UK car finance calculator

Model monthly payments and total interest using standard repayment maths. Tabs set illustrative APRs for PCP, hire purchase, and unsecured loans — replace them with any rate you have been quoted. Not a quotation. See our disclaimer.

How car finance works · PCP vs HP

£3k£80k
£0£20k
12mo24mo36mo48mo60mo72mo84mo
2%30%
Monthly Payment
£328
for 48 months
Loan Amount
£15,000
Total Repayable
£15,744
Total Interest
£744
Interest / Price
4.1%
Payment Breakdown
Principal
Interest
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