HP car finance calculator for listed used cars
Select the car, deposit and term you want to compare. The calculator shows an estimated repayment and total cost using its stated assumptions, without checking your credit history. It does not tell you how much a lender will let you borrow, compare lender rates or decide what you can afford.
For a useful comparison, change one input at a time and note the total payable as well as the monthly amount. Read how hire purchase works if you want to understand the type of illustration, then use the written quote checklist when a provider supplies actual terms.
Compare the payment and the total
Enter the cash price, choose a deposit and select a term. Review the amount borrowed, monthly estimate, total charge for credit and total payable together. Reducing the monthly figure by extending the term may increase the overall cost.
The website currently uses 8.9% representative APR for its illustrations. Actual rates and terms may differ. The available term, deposit and vehicle eligibility depend on the lender and applicant.
Read the calculation assumptions · Browse cars by monthly payment
Leave room for running costs
Insurance, fuel or charging, servicing and unexpected repairs are separate considerations. Use the affordability checklist to look beyond a single monthly payment.
