Car finance calculator

Find out what your monthly repayments could be

 

Helpful tip

The options you've selected will result in the interest being higher than the amount you're able to borrow.

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Whether you know your monthly budget, or how much you want to borrow, our car finance calculator can help. Plus, see how APR affects your overall costs. Use the tabs to begin.

Over how long?
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What is APR?

Annual Percentage Rate (APR) measures the amount of interest you'll pay each year on your borrowing. It's calculated by your lender. Typically, the better your credit rating the lower the APR you'll get.

To see how APR will affect your finance, use the slider or enter an amount.

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Your Results:

Disclaimer: Your real APR is worked out by the lender based on your circumstances - this is purely for illustrative purposes.

Monthly repayments You could pay 36 monthly
repayments of £200
You could borrow Total amount you could borrow: £6,199.81
Total amount repayable Total amount repayable: £7,200
Including loan interest at 9% APR: £1,000.19
Over how long?
More information
close
What is APR?

Annual Percentage Rate (APR) measures the amount of interest you'll pay each year on your borrowing. It's calculated by your lender. Typically, the better your credit rating the lower the APR you'll get.

To see how APR will affect your finance, use the slider or enter an amount.

Low High

Your results:

Disclaimer: Your real APR is worked out by the lender based on your circumstances - this is purely for illustrative purposes.

You could borrow Total amount you could borrow: £10,000
Monthly repayments You could pay 36 monthly repayments of £316.37
Total amount repayable Total amount repayable: £11,389.15
Including loan interest at 9% APR: £1,389.15

Request a car finance quote

We've partnered with CarFinance 247 to offer car finance. Their service is free to use and getting a quote won't impact your credit score.

Get a car finance quote

Representative example: Borrowing £6,500 over 60 months with a representative APR of 19.9%, an annual interest rate of 19.9% (fixed) and a deposit of £0. The amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount repayable of £9,964.37. This is representative of CarFinance 247 Limited customers.

How does the car finance calculator work?

Our car finance calculator shows you what your monthly payments are likely to be based on your loan amount.

  • Choose your monthly budget or the amount you want to borrow
  • Select how many years you want to borrow this amount for
  • We'll show you what your repayments could be based on low, moderate and high APR

This can help you understand how much you could pay for your car loan, depending on the APR you get.

Please note, the APR rates shown by our calculator are illustrations only.

Find out more about the different types of finance available on our car finance page or our guide to car finance. Or if you want to know more in general, our car finance guides hub may be able to help.

Why get a car finance quote?

We’re partnered with CarFinance247 who search their panel of trusted lenders to find you a quote with the best overall value. Whether you’re looking for HP, PCP finance or a personal car loan, they'll look to help you find a finance solution that meets your circumstances. CarFinance 247 is a credit broker not a lender.

If you’ve already found a car you can get a stand-alone car finance quote. If you’re still looking for one,  CarFinance 247 also offers a free car search via their trusted car dealer network. This means you can get your finance deal and your car in one place.

CarFinance 247 customers rate them as ‘Excellent’ on Trustpilot with a rating of 4.7/5*.

*Correct as of November 2022

Will getting a car finance quote affect my credit rating?

No. Once you’ve used our car finance calculator and proceeded to get a quote, your credit rating won’t be affected. You’ll only see a hard search on your credit history when you apply for a deal.

How accurate is the car finance calculator?

Our car finance calculator should be used for illustrative purposes only. It can give you an indication of how the APR affects overall cost of a loan. To get a more exact figures based on your personal circumstances including the deposit needed, you should request a car finance quote.

What do I need to get a quote for car finance?

Once you’ve used the car finance calculator, if you decide to get a quote you’ll need:

  • Your current address
  • Your occupation and monthly income
  • How much you'd like to borrow
  • A contact phone number and email address

Can the car finance calculator give me a PCP or HP finance quote?

Our car loan calculator will give you amounts and figures based on what you select, it’s not based on a particular type of finance. After requesting a quote, you can discuss specific HP and PCP options when discussing your quote with an account manager from our partner Carfinance 247.

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Confused.com’s car finance journey is provided by CarFinance 247. Car Finance 247 is a trading name of CarFinance247 Limited. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. (Registration Number 06035525). CarFinance247 Limited is authorised and regulated by the Financial Conduct Authority. Car Finance 247 Limited is a credit broker, not a lender and looks to find the best rate from their panel of lenders offering you the best deal that you’re eligible for. Car Finance 247 Limited don’t charge a fee for their service, but do earn a commission. This does not influence the interest rate you’re offered in any way.