Car Finance Calculator

3 easy steps to use the finance calculator

Our car finance calculator is easy to use and helps you get a clear idea of what your monthly payments could be. Just follow these simple steps:

Your finance

choice between car price and monthly budget

Your options compared

comparison of PCP and HP

Find a local dealer

dealer search

Finance calculator

Price of car

Total deposit (including part exchange)

For how long?

12month
24month
36month
42month
48month
60month

Estimated credit score

This helps you get a more accurate finance estimate

Not sure about being approved?

Check finance eligibility

Won't affect your credit score

We are a credit broker not a lender

Your estimated examples

These estimates are subject to credit checks, and may change if you do apply for finance.

PCP	£0/pm
Loan amount	£9,900.00
Length of Loan	60 months
Monthly payment	£0
Interest rate	9.9% APR
Optional final payment	£0
Amount of interest	£0
Total payment	£0

HP	£0/pm
Length of Loan	60 months
Monthly payment	£0
Interest rate	9.9% APR
Optional final payment	£0
Amount of interest	£0
Total payment	£0

Your finance options explained

Personal Contract Purchase (PCP)

Lower monthly payments with a large optional final payment. At the end, you have 3 choices: part-exchange for a new car, pay the final amount to keep the car, or return the car with nothing more to pay.

Hire Purchase (HP)

Fixed monthly payments over the agreed term. Once you've made all payments, the car is yours - no final payment required.

Our car finance calculator helps you work out your monthly repayments and total interest costs before you apply for a loan. It gives you a quick estimate, so you know what to expect and can plan your budget with confidence. While it doesn’t cover Personal Contract Purchase (PCP) or Hire Purchase (HP), it’s a handy way to compare costs and explore your options. Use it to get a clearer picture of how much your car finance might cost.

The results give you a rough idea of what you might pay, but the actual offer will depend on your personal circumstances, the car you choose, and the lender’s terms. Use this calculator to explore your options and get a better understanding before applying for finance.

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FAQ

How much will my monthly car loan repayments be?

Your monthly payments depend on the loan amount, interest rate, and loan term. Use the car finance calculator to get an estimate based on your details.

Do I have to put down a deposit with a car loan?

Not always. Some lenders offer no-deposit car finance, but a deposit can reduce your monthly payments and total interest costs.

How much does car finance cost?

The cost depends on the loan amount, interest rate (APR), and loan term. A longer loan reduces monthly payments but increases total interest paid. Use the car finance calculator for an estimate.