Free Car Finance Calculator

Use our Free Finance Calculators. You might want to check what the monthly payment could be or see what effect putting in more or less deposit makes to monthly payments? We Finance Any Car helps estimate monthly costs & we’re also here to supply a detailed quote. 

Hire Purchase gives you the clarity of knowing what set amount you have to pay monthly till the end of the agreement. If you do high mileage or need flexibility in the mileage you and do any don't want to incur expensive excess mileage changes then HP is ideal. Using HP also means that you don't have to come up with a large balloon payment at the end of the contract and...best of all, you own the car outright at the end of the agreement.

Between 24 and 60 months.

Yes! All Finance companies must give the option for you to settle payment during the course of the agreement. You simply need to contact the finance company and ask for a "settlement figure" (sometimes known as a redemption statement). When this is paid, the car is yours and the finance company will transfer full ownership to you.

Conditional Sale (CS) is very similar to HP, the main difference is that at the end of the agreement you need to make a purchase payment (generally very small) in order to take ownership, whereas with Conditional Sale, on the final monthly payment the car automatically becomes your property.

Yes. Voluntary Termination (VT) is typically applied when more than half of what is owed on the car at the start of the agreement has been paid off. You may want to VT for a number of reasons but provided you are past the half way point, or you "make good" on paying half of the total amount (incl. any fees) then under the Credit Consumer Act 1974 you have the right to VT using the "rule of half".

Using the PCP Calculator is Easy :

 

Cash Price:

Put in the Cash Price of the car

Mileage:

The Current Mileage of the car

Select Year:

The Year the car was first Registered

Manufacturer & Model:

The cars Manufacturer and Model

Select Variant:

There are often many variants to a particular car. The dealer should be able to provide you with a full specification but if you don't know then put in best assumption and let us know once you have applied and we will do a Reg number lookup to help make sure.

 

LET US HELP YOU:

Once you have competed these few fields then the quote will appear and you can adjust things like your deposit, your annual expected mileage and the term of the loan to get an accurate feel for your monthly payment on the car. Fill in the application and we will do the heavy lifting from there plus we will help you with the dealer if you like and we can get that car with low PCP payment on your drive in no time.

The main advantage of using PCP to finance your vehicle is that by having a final "baloon payment" you are able to reduce the monthly payment amounts on the car. PCP Finance normally requires a good credit record but once approved, this means that monthly payments are reduced and more affordable or customers can aspire to owning a newer or more expensive vehicle.

Between 24 and 48 months.

The way that PCP works is that when you set up the agreement you estimate your annual milage for the car. The reason for this is that the finance company wants to predict what the value of the car will be in case you choose to hand it back at the end of the agreed term ( normally 36 or 48 months). If you do more mileage than you predicted then you will need to make an excess milage payment which is calculated on a pence per mile rate - normally about 12 pence/mile but can he higher or lower so make sure you allow for this when estimating your annual mileage.

A balloon payment is simply the final payment that needs to be made on a PCP deal if and when you elect to keep the car. It is normally a sizeable amount so some people who want to keep the car at that point look to refinance the outstanding balloon payment amount. Of course, you dont have to make the final "balloon payment" - provided the car only has fair wear any tear and is within the mileage allownace you can elect to just hand the car back - and get another one!

This is a question we hear often and ultimatly this very much depends on your credit score. PCP car finance companies are more conservative with their approach than HP finance companies. This is because they are effectively taking more risk where they need to balance a good APR rate for customers with the the residual value of the car if you choose to hand it back. The good news is that We Finance Any Car have a very large panel with a number of PCP lenders on it so we can get those with Excellent and Good credit ratings into a PCP car. Rather unusually, we also have access to Lease vehicles for sub prime customers so if you dont have great credit we can still get you into a lease car.

Hire Purchase gives you the clarity of knowing what set amount you have to pay monthly till the end of the agreement. If you do high mileage or need flexibility in the mileage you and do any don't want to incur expensive excess mileage changes then HP is ideal. Using HP also means that you don't have to come up with a large balloon payment at the end of the contract and...best of all, you own the car outright at the end of the agreement.

Between 24 and 60 months.

Yes! All Finance companies must give the option for you to settle payment during the course of the agreement. You simply need to contact the finance company and ask for a "settlement figure" (sometimes known as a redemption statement). When this is paid, the car is yours and the finance company will transfer full ownership to you.

Conditional Sale (CS) is very similar to HP, the main difference is that at the end of the agreement you need to make a purchase payment (generally very small) in order to take ownership, whereas with Conditional Sale, on the final monthly payment the car automatically becomes your property.

Yes. Voluntary Termination (VT) is typically applied when more than half of what is owed on the car at the start of the agreement has been paid off. You may want to VT for a number of reasons but provided you are past the half way point, or you "make good" on paying half of the total amount (incl. any fees) then under the Credit Consumer Act 1974 you have the right to VT using the "rule of half".

Using the PCP Calculator is Easy :

 

Cash Price:

Put in the Cash Price of the car

Mileage:

The Current Mileage of the car

Select Year:

The Year the car was first Registered

Manufacturer & Model:

The cars Manufacturer and Model

Select Variant:

There are often many variants to a particular car. The dealer should be able to provide you with a full specification but if you don't know then put in best assumption and let us know once you have applied and we will do a Reg number lookup to help make sure.

 

LET US HELP YOU:

Once you have competed these few fields then the quote will appear and you can adjust things like your deposit, your annual expected mileage and the term of the loan to get an accurate feel for your monthly payment on the car. Fill in the application and we will do the heavy lifting from there plus we will help you with the dealer if you like and we can get that car with low PCP payment on your drive in no time.

The main advantage of using PCP to finance your vehicle is that by having a final "baloon payment" you are able to reduce the monthly payment amounts on the car. PCP Finance normally requires a good credit record but once approved, this means that monthly payments are reduced and more affordable or customers can aspire to owning a newer or more expensive vehicle.

Between 24 and 48 months.

The way that PCP works is that when you set up the agreement you estimate your annual milage for the car. The reason for this is that the finance company wants to predict what the value of the car will be in case you choose to hand it back at the end of the agreed term ( normally 36 or 48 months). If you do more mileage than you predicted then you will need to make an excess milage payment which is calculated on a pence per mile rate - normally about 12 pence/mile but can he higher or lower so make sure you allow for this when estimating your annual mileage.

A balloon payment is simply the final payment that needs to be made on a PCP deal if and when you elect to keep the car. It is normally a sizeable amount so some people who want to keep the car at that point look to refinance the outstanding balloon payment amount. Of course, you dont have to make the final "balloon payment" - provided the car only has fair wear any tear and is within the mileage allownace you can elect to just hand the car back - and get another one!

This is a question we hear often and ultimatly this very much depends on your credit score. PCP car finance companies are more conservative with their approach than HP finance companies. This is because they are effectively taking more risk where they need to balance a good APR rate for customers with the the residual value of the car if you choose to hand it back. The good news is that We Finance Any Car have a very large panel with a number of PCP lenders on it so we can get those with Excellent and Good credit ratings into a PCP car. Rather unusually, we also have access to Lease vehicles for sub prime customers so if you dont have great credit we can still get you into a lease car.

HP:

Using the Calculator is really easy. On the Hire Purchase (HP) calculator...simply put in the below

Cost:

The price of the car

Term:

Period of time you want to pay the car back over in months

Deposit:

How much deposit you would like to put down on the car

Credit Score:

Ballpark, how would you describe your credit score?

 

LET US HELP YOU:

Once you have a ballpark calculation, the We Finance Any Car team are ready to help - Simply Apply using our 2 min application and we will help you get that car at a monthly payment that works for you.

No, however it is reasonable accurate. The rate is an estimation based on the inputs you provide but does not use your specific, actual credit rating. The calculator is intended as a guide to help you estimate your monthly PCP payments.

Hire Purchase gives you the clarity of knowing what set amount you have to pay monthly till the end of the agreement. If you do high mileage or need flexibility in the mileage you do and don't want to incur expensive excess mileage changes then HP is ideal. Using HP also means that you don't have to come up with a large balloon payment at the end of the contract and...best of all, you own the car outright at the end of the agreement.

We understand that some customers only want a PCP quote. If this is the case, please apply with the 2 minute application and once approved please advise your friendly account manager that you specifically want a PCP quote. We Finance Any Car will then get you the best PCP Quote possible. Please remember that PCP lenders are more restrictive on the credit scores they will consider (Excellent and Very Good credit ratings) as well as cars in terms of things like age of vehicle.

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