Car finance calculator

Work out an estimated monthly payment for a car finance deal — Hire Purchase (HP) or PCP — based on the price, deposit, APR and term.

Your finance details

Cash price of the car

Deposit

Representative APR (%)

Term

Optional final (balloon) payment — PCP only

Leave as 0 for a standard Hire Purchase (HP) loan you'll fully own at the end. Set a balloon amount to estimate a PCP-style deal with a final optional payment.

Estimated monthly payment

Monthly payment

£266.31

Amount financed

£10,500

Total interest

£2,283

Total amount payable (deposit + all payments)

£14,283

This is an illustrative estimate only, using the figures you've entered — it is not a loan offer, a quote, or a guarantee of finance approval. Your actual APR depends on your credit profile and the finance provider; always get a personalised quote before agreeing to any finance deal.

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