Car finance calculator

How does the calculator work?

Our car loan calculator is here to help you determine your budget for both PCP and HP, with no tricky calculations required. Simply set your monthly budget, your credit score and the length of your repayment period.

Your estimated APR will be calculated based on the details provided, to give you an accurate idea of how much your loan will cost.

To find out your exact APR without affecting your credit score, Apply Today.

How Creditplus car finance works

When you apply for car finance, we’ll search our vast panel of lenders to find you the best possible car finance deal, based on your budget and requirements.

With our wide range of finance options, you have maximum choice. And with lending options available across all credit backgrounds, we can help you get behind the wheel of your dream car - even if you have bad credit or have been refused elsewhere.

Most importantly, applying won’t affect your credit score, and once you’re approved you’ll be assigned your own dedicated car finance specialist to talk through your options.

If you haven’t yet found your car, you can also take advantage of our unique Find, Fund and Deliver service. Simply tell us your vehicle requirements, and we’ll search our network of trusted dealers to find your dream car and deliver it to your door – at no extra cost.

Prior to delivery, the vehicle is thoroughly checked and prepped at our PDI centre by our very own team of mechanics to ensure your vehicle meets RAC approved standards. For more details regarding our vehicle preparation checks visit Find, Fund and Deliver.

Hire purchase (HP) vs personal contract purchase (PCP)

HP and PCP are the most popular types of car finance but choosing the right option for yourself isn’t always easy. To help you understand which finance option is best for you, take a look at the table below.

Everything you need for Creditplus car finance

Why choose Creditplus