Finance calculator
Get a feel for the numbers before you apply. Everything here is illustrative — your actual rate and payment come from the lender after a soft-search eligibility check.
These figures are illustrative only and not an offer of finance. Your rate and payment depend on your circumstances and the lender's decision. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.
How to read these figures
The calculator uses our current representative APR of 19.9% to estimate a monthly payment on a hire-purchase-style agreement. In practice, the rate a lender offers depends on your circumstances — some customers will be offered more, some less. That's why the honest description for every figure on this page is illustrative.
Three levers you control
- Deposit — even a few hundred pounds reduces both the monthly payment and the total interest. A part-exchange counts.
- Term — longer terms lower the monthly payment but increase the total you repay. We'll help you find the sensible middle.
- Car price — the biggest lever of all. A lender is far more likely to approve an amount that sits comfortably inside your budget.
Representative example: cash price £8,995, deposit £500; amount of credit £8,495; term 48 months; 48 monthly repayments of £253.62; total amount payable £12,673.76; Representative 19.9% APR. Finance subject to status. Your vehicle may be repossessed if you do not keep up repayments on your finance agreement. Missed payments will affect your credit file.
Numbers look workable?
Check your real eligibility with a soft search — two minutes, no impact on your credit score.
Check my eligibility Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.