Finance calculator
Work the numbers
before you visit.
Estimate monthly repayments, or start with a monthly budget and see what you could borrow. APR tracks the current UK used-car finance market.
What do you want to check?
£
£1,000£50,000
£
£010% of price
years
1 yearsLonger terms = lower monthly, more interest overall.
Hire Purchase — pay it off in equal monthlies, own the car at the end.
8.9%
Live average UK used-car finance rate. Updated centrally — your own quote may vary.
Your estimate
Monthly repayment
£268/mo
Loan amount
£10,800
Interest
£2,076
Total payable
£14,076
Compare different loan terms
Same price (£12,000), deposit (£1,200) and APR (8.9%).
| Term | Monthly | Total payable |
|---|---|---|
| 1 years | £944 | £12,528 |
| 2 years | £493 | £13,030 |
| 3 years | £343 | £13,546 |
| 4 years· selected | £268 | £14,076 |
| 5 years | £224 | £14,620 |
Important: Based on average UK used-car finance APR. Illustrative only — not a quote. Figures are illustrative only and do not constitute a quote. The actual rate, term and amount you're offered depends on your credit profile and the lender. Calculation uses a standard amortising personal-loan formula (representative APR).
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