Car Finance Calculator

See an instant estimate of the car finance you could qualify for. Our car finance calculator provides a rough estimate of monthly payments for Hire Purchase (HP) and Personal Contract Purchase (PCP) options. This estimate is based on your monthly budget, your estimated credit score, and how long you need it for.

Rates start from 9.9% APR. Representative Example: borrowing £7,500 over 48 months with a REPRESENTATIVE APR of 23.9%, an annual interest rate of 23.9% (Fixed) and a deposit of £0.00, the amount payable would be £234.76 per calendar month, with a total cost of credit of £3,768.48 and a total amount payable of £11,268.48. Rates may differ depending on individual circumstances. Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. No initial impact to your credit score, but a hard search will be added to your credit profile if you decide to proceed with finance.

See Your Car Finance Options in Detail

Your car finance estimate is a great starting point, but getting a personalised quote gives you a clearer picture of your actual borrowing options. By requesting a quote, you can see the finance plans, interest rates, and monthly payments that suit your circumstances.

Why get a personalised car finance quote?

  • Tailored to you: Quotes reflect your credit profile, chosen loan amount, and deposit.
  • Transparent costs: See interest rates, fees, and monthly payments upfront.
  • Plan your car finance with certainty: Know what car finance you could be approved for before committing.

Requesting a quote is free, secure, and will not affect your credit score until you formally apply. Our network of trusted providers ensures you get competitive options without surprises.

Get My Personalised Quote


Please note that not all applicants will qualify for a loan, and not all lenders offer the full range of loan amounts or terms shown. We provide a free loan comparison service and act as a credit broker, not a lender. We may receive commission or other fees from providers if you take out a product through our service.

We search a panel of lenders and specialist motor finance providers. Depending on your circumstances and eligibility, you may be offered HP, PCP or a personal loan that could be used towards the purchase of a vehicle. Not all finance options are available to everyone, and some may only be available to homeowners.

You can check your eligibility with no impact to your score. Only once you decide to proceed with a specific finance option will a hard credit check be conducted, which may affect your credit score.

Please ensure that you can afford the repayments before taking out any form of credit. 

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk