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Car Finance Calculator

Our car finance calculator makes it simple to find cars in your price range based on factors like your monthly budget, the length of the deal and the cash deposit you’re able to put down.

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How it works

Follow these steps to use our car finance calculator:

  • Enter the cash deposit you’re able to put down, along with the part-exchange value of your current car (if known) and the finance settlement remaining on your current car (if known).
  • Your deposit and part-exchange value are added together, and the remaining finance subtracted to give your total deposit. This might affect the deals available to you.
  • Select the terms of the deal you’d be happy with, including:
    • your monthly budget
    • the total repayment time (this is the length of the deal, in months)
    • your average mileage per year.
  • Once all the fields are complete, click “show finance example” to view details of your expected monthly payments and the total amount and cost of credit.
  • Click “find cars in my price range” to see deals available based on the information you have entered.

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:
£

Find cars in my price range
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.

What are APRs?

APRs (Annual Percentage Rates), are a mechanism for lenders to let you know how much interest you are paying on a yearly basis for your loan. It allows a direct comparison to be made between loans such as credit cards and mortgages as well as hire purchase and personal loans.

However, a 10% APR on a loan of £1,000 repayable over 1 year doesn’t necessarily mean you’ll pay a total of £100 in interest. It will be lower than this, because the 10% is usually calculated monthly on the amount still outstanding. In this example, paying monthly, you would actually repay c. £55 in interest.

You don’t have to crunch the numbers for yourself, though: any loan offer you get will always show clearly how much you will actually repay on top of the amount you borrow.

“Representative APR” is a legal term that means it’s the rate that at least 51% of applicants are offered. The actual rate you’re offered may be higher or lower, depending on the lender and your financial situation.

We offer a variety of options for all our customers, whether your credit history is good or if you have problems in the past. Our team will always try to secure you the best acceptance terms available, subject to status.

Get a credit decision in just 60 seconds

Please fill out the form below and we’ll get a decision back to you in seconds. Please note this is a not a full credit application and will not leave a search on your credit profile. It will however provide an indication as to whether we are likely to be able to find you a finance deal from our panel of finance lenders we operate with.

Title

Please enter your title

Forename

Please enter your name

Surname

Please enter your surname

Date of birth

Please enter a valid date of birth (dd/mm/yyyy)
You must be over the age of 18 to submit an application

Email Address

Please enter your email
Please enter a valid email

Contact Number

Please enter your contact number
Please enter a valid contact number

House number or name

Please enter your house number/name

Street name

Please enter your street name

Town/City

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Postcode

Please enter your post code.

Postcode

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Look up postcode

Please enter a valid UK postcode

Please select your address from the list below

How long have you lived at this address?

Years

Enter your total number of years at this address

Months

Enter your total number of months at this address (Max 11)

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

Postcode

Please enter your post code.
Look up postcode

Please enter a valid UK postcode

Please select your address from the list below

House number or name

Please enter your house number/name

Street name

Please enter your street name

Town/City

Please enter your town

Postcode

Please enter your post code.

Years

Enter your total number of years at this address

Months

Enter your total number of months at this address (Max 11)
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.

Email SMS Telephone

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

We might be able to get you accepted for finance. To find out, make a full application by clicking the button below. If we speak to you and you are happy to provide us with further information we may, with your consent, carry out a full credit check. This may include searches with credit reference agencies.

Complete a full application form

Will I be accepted?

YES VERY LIKELY LIKELY

What will my costs be like?

VERY LOW LOW AVERAGE

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. If we speak to you and you are happy to provide us with further information we may, with your consent, carry out a full credit check. This may include searches with credit reference agencies.

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. If we speak to you and you are happy to provide us with further information we may, with your consent, carry out a full credit check. This may include searches with credit reference agencies.

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. If we speak to you and you are happy to provide us with further information we may, with your consent, carry out a full credit check. This may include searches with credit reference agencies.


Search for cars in your budget

Finance options

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

Benefits of Hire Purchase

I want to own my car

  • Easy application
  • Available on all makes and models
  • Flexible deposits and terms

More about Benefits of 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, upgrade or give back at the end – it’s up to you

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.