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Car Finance Calculator

We know that finance can be a concern to some customers, which is why we've built this section with a range of tools that are easy to use and can help you get the answers you need.

Most customers today choose to fund their purchase, spreading the cost over up to five years. We offer a hassle-free way to fund your next car. Our representative rates are below, and our handy finance calculator can help you work out which cars fit your budget.

Can I get finance?

Use our simple finance calculator to work out how far your budget will go.

Cash Deposit

Part-ex

Finance Settlement

Monthly Budget

Repayment Time

Average mileage per year

Total Deposit:
£
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Sorry, there was a problem retrieving finance details. Please try again later.

Representative Hire Purchase Example


Initial payment of:
payments of:
Final payment of:
Period of the agreement:
On the road cash price:
Deposit:
Total amount of credit:
Total cost of credit:
Total amount payable:

Representative APR:

This quotation is in relation to a regulated Hire Purchase and Fixed Sum Credit Loan agreement. It is not an Offer of credit & is valid for 14 days from the date of creation. Credit is only available to persons 18 years or over. The Car People Offer Credit from a number of finance providers & may receive a payment from them regarding finance agreements written with them.

For Hire Purchase (HP) & Personal Contract Purchase (PCP) loans you will not own the vehicle until the loan has been paid in full.

BE SURE YOU CAN AFFORD THE REPAYMENTS & CONSIDER ANY POTENTIAL CHANGE OF CIRCUMSTANCES THAT MAY AFFECT YOUR ABILITY TO REPAY THE LOAN BEFORE YOU ENTER INTO A CREDIT AGREEMENT.

Do you want to know if you can get finance without affecting your credit score? Our quick and easy credit check tool can give you an answer in just 60 seconds.

Find out more about our APR representative

We also offer options for customers who owe more on their current car than its market value, and for those who have had credit issues previously. We work with a selection of lenders and our team will try to secure you the best acceptance terms we can offer, subject to status.

8.9% APR Representative 10.9% APR Representative 12.9% APR Representative
Load Values £9,999 and above £6,999 - £9,998 £6,998 and below
Cash Price / Amount of Loan £9,999 £6,999 £5,999
Deposit £0.00 £0.00 £0.00
Total Amount Payable £12,325.20 £9003.60 £8042.40
Monthly Payments £205.42 £150.06 £134.04
Duration of Agreement 60 month 60 month 60 month
Interest Rate (fixed) 8.53% 10.35% 12.15%

Final monthly payment includes optional £10 Purchase fee. You will not own the vehicle until all payments and fees have been paid. The Car People Ltd are a credit broker working with a range of lenders. We may receive income from them for finance business placed with them. Finance is available to people aged 18 years and over, subject to status. Please ensure you consider whether you can make all the repayments on the loan before you enter into a credit agreement.

Finance options

Hire Purchase or Personal Contract Purchase - which is right for me?

Hire Purchase

I want to own my car

  • Simple to apply
  • Available on all cars
  • Flexible deposits & terms, including negative equity

More about Hire Purchase

Representative Personal Contract Purchase

I want to keep my options open

  • Guaranteed vehicle value at the end of the agreement
  • Lower monthly payments
  • Keep it, upgrade it or give it back

More about Representative Personal Contract Purchase


Car Finance FAQs

Below we list some frequently asked questions that give you an insight into your options when buying from us. If you can’t find the answer to your question here contact us here or call in at one of our showrooms for a chat, there’s no obligation to buy!


We offer a range of finance packages from a list of lenders. We work with Blackhorse Motor Finance, Santander Consumer Finance and a specialist broker, who helps with customers who have specific requirements or issues with their credit history.

We may be paid an income from one of these lenders if you choose to take out finance with them. For more details see our important information sheet on site.

Whilst our main finance products are hire purchase and personal loan, we also offer PCP and lease purchase. For simplicity, we quote our hire purchase/personal loan rates on this site, which are available to all customers subject to status.
Our people are trained to give you the best advice. They can talk you through the various options available and demonstrate which ones offer you the best value.
Because our cars offer excellent value we can, subject to status, accommodate customers who wish to pay no deposit, owe more than their car is worth, or require cash back to settle a personal loan on their vehicle.

We can settle the outstanding finance on your current car as part of the overall package & then re-finance this amount (subject to status) as part of the new finance agreement on your new car.

Letting us settle your current agreement also avoids the 7-10 day delay that finance companies enforce if you settle the car yourself.
We have agreements in place with major national finance companies that make the process of funding your new car as hassle-free as possible.

We require only limited information and, in most circumstances, one or two key proofs of identity. Your finance proposal can be processed, and accepted, the same day. You don’t even have to wait for funds to clear in your account before collecting your new car, simply bring your proofs on the day of collection, check through and sign your finance document and you can drive your car away there and then.

You could be in your new car in a couple of days, a lot quicker than the 5-10 days it could take with a direct lender.

We have a service available where you can check your credit worthiness without affecting your credit score. Alternatively if you've already chosen a car you can apply for finance for it online from the finace calculator on the vehicle details page.

Our team of finance specialists will then contact you regarding the finance company's decision & the best acceptance we can get for you.

In certain circumstances there may also be a requirement to pre-sign your documents prior to delivery. But don’t worry: if this is the case, our finance team will keep you informed throughout the process.


Get a credit decision in just 60 seconds

Please complete the form below and we'll have a decision back to you in seconds.

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You must be over the age of 18 to submit an application

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If you have lived at your current address for less than three years, we will also require your previous address to complete our checks.

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Your previous and current addresses cannot be the same. Please update your details.

If you would like to be contacted by our partners with relevant information and promotions in the future, then please tick the contact methods you would be happy for them to use.

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We're sorry but the service cannot be reached right now. Please try again later.

More information required

Our finance lenders have requested further information to be able to complete their checks. Please answer the following addional questions to proceed.

What is your current employment status?

Please select the size of the fitted alloy wheels, otherwise select 'None fitted'

What type of driver's license do you have?

What is your approximate monthly income?

If required, are you able to provide payslips to verify your income?

Error, please ensure all inputs are filled out.

Our service has encountered a problem

Unfortunately, our application check service has been unable to match your details, preventing us from providing an accurate estimate of your eligibility.

Please check your details on the form carefully, however, if you are still receiving this message after reviewing them, please call our contact centre on 0333 222 6599 to discuss your credit check application.

Great News : We think we can source finance for you It looks as though we can source finance for you

We’re Sorry : It looks as though we can't source finance for you

Will I be accepted?

YES VERY LIKELY LIKELY POTENTIALLY UNLIKELY

What will my costs be like?

VERY LOW LOW AVERAGE HIGH VERY HIGH

Our application check service thinks we can source you finance from one of our main finance companies, at our great low rates starting from 8.9% APR. The next step is to find a suitable car for you and source an acceptance for that vehicle. You can start searching now and our finance team will be in touch shortly to discuss the next steps.

Our application check service thinks we can source a finance acceptance for you. The next step is to find a suitable car for you and source an acceptance for that vehicle. You can start searching now and our finance team will be in touch shortly to discuss the next steps.

Our application check service thinks we can source a finance acceptance for you. The next step is to understand a bit more about how much you're looking to borrow and what type of car you’re looking for. Our finance team will be in touch shortly to discuss this with you.

It looks as though it is unlikely that we can source a finance acceptance for you. However if you think our system has misunderstood your credit history then please get in touch to talk this through with us.


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