Used car finance calculator

Estimate repayments for a used car you can actually buy

Select a listed car, enter your deposit and choose a term. The calculator shows the monthly repayment, interest and total amount payable using 8.9% representative APR. The displayed cash price includes the £499 administration fee. Your personal quote may differ; this calculation is not an approval or credit check.

Compare the same car with different deposits and terms. A longer term may reduce the monthly payment but increase interest overall. Keep room in your budget for insurance, fuel, tax and maintenance as well as the repayment.

Not sure which car to choose? Find used cars by your monthly budget. Enter a deposit and term to see current stock with illustrations within that amount, then select a car for the full cost breakdown and a callback. This is not an affordability assessment or confirmation that the term is available for that vehicle.

• Choose the car first so the illustration uses its advertised total cash price.
• Check the deposit, number of payments and total payable together, not just the monthly figure.
• Use the callback form below the result to discuss that car. No lender application is sent by the callback form.

Still choosing? Browse used cars on finance or shop by monthly budget. If your car is advertised elsewhere, ask about finance at another dealership; the lender must accept both the vehicle and supplying dealer.

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.