Car Finance Calculator

    Calculate your monthly payments and compare finance options from UK lenders

    Free car finance calculator. Compare HP, PCP, and personal loan options. No credit check, instant results.

    Updated:November 2025
    Calculations:250,000+ completed

    Car Finance Calculator

    Calculate representative monthly payments and compare finance options

    Representative Rates

    Example APRs from finance providers

    Hire Purchase (HP)
    7.5% APR
    Personal Contract Purchase (PCP)
    8.5% APR
    Personal Loan
    9.5% APR
    Representative examples only. Actual rates vary based on credit score, loan amount, and lender. Rates reflect November 2025 market conditions.

    Calculator Features

    No impact on credit score
    Instant estimates
    Compare all finance types
    Current market rates
    Free to use

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    Calculator Stats

    250,000+
    Calculations completed
    4.8/5
    User rating
    100%
    Free to use

    How the Finance Calculator Works

    1. Enter Details

    Input your vehicle price, deposit, and preferred term length

    2. Compare Options

    See HP, PCP, and personal loan estimates using current market rates

    3. Contact Lenders

    Compare deals from FCA-regulated finance providers

    Important Information

    CarDash is a marketplace connecting buyers with sellers. We do not provide finance directly. This calculator shows representative examples based on typical rates from FCA-regulated lenders. Your actual rate will depend on your personal circumstances and chosen finance provider.

    Important Financial Information

    Representative APR Examples: All rates shown are representative examples for illustration purposes only, based on typical UK market rates as of November 2025. Your actual rate will depend on your personal circumstances, credit history, loan amount, and chosen finance provider.

    Marketplace Notice: CarDash operates as a marketplace platform connecting buyers and sellers. We do not provide finance, credit, or lending services. For finance options, you should approach FCA-regulated lenders, banks, building societies, or specialist car finance companies directly.

    Credit Checks: This calculator does not perform credit checks. When applying for finance with a lender, they will conduct credit checks which may affect your credit score.

    Financial Advice: This calculator is for informational purposes only and does not constitute financial advice. Consider seeking independent financial advice before entering into any finance agreement.

    Regulated Finance Providers: Always ensure your finance provider is authorised and regulated by the Financial Conduct Authority (FCA). Check the FCA register at www.fca.org.uk/register