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Calculate car finance

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 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 approved standards.

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


Our application is very straightforward, and once complete you'll receive an instant decision. We simply require a few details to check you eligibility, but dont worry - this won't affect your credit score.

What you'll need for your application:

How much you want to borrow
Your contact details
3 years' address history
3 years' employment details

Why choose Creditplus


We exist to help you get the best car finance deal for your budget and requirements.

Reasons you can buy with confidence:

Our customers rate us excellent on Trustpilot
A dedicated car finance specialist will guide you through the entire process
We can help find your car and deliver it at no extra cost
Every car we supply receives a full HPI check and RAC approved inspection

Ready to get your finance started?

Get a decision within 2 minutes, without affecting your credit score.

Get a quote
Our top picks for you
Photo of a grey Nissan Juke car crossover SUV

Nissan Juke
1.6 Visia 5dr
from £169 per month
See latest deals Quote based on personal contract purchase (PCP) based on cash price £7,695.

Photo of a grey BMW 3 series estate

BMW 3 Series
318i Step Auto
from £288 per month
See latest deals Quote based on personal contact purchase (PCP) based on cash price £13,995.

Photo of a grey Audi A1 hatchback

Audi A1
1.0 TFSI Sport Nav 3dr
from £239 per month
See latest deals Quote based on personal contact purchase (PCP) based on cash price £12,495.

Rates start from 9.9% APR. Representative example: borrowing £7,500 over 48 months with a REPRESENTATIVE APR of 24.9%, an annual interest rate of 24.9% (Fixed) and a deposit of £0.00, the amount payable would be £238.10 per calendar month, with a total cost of credit of £3,928.80 and a total amount payable of £11,428.80. Rates may differ as they are dependent on individual circumstances. Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. No initial impact to your creditscore but a hard search will be added to your credit profile if you decide to proceed with finance.

Why Creditplus?
Compare & Save
We compare dozens of car finance options from HP, PCP to Leasing, so you're sure to find the best deal, even if your credit score isn't perfect.
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Hassle-Free Search
Find the perfect car, with exclusive access to thousands of quality-checked vehicles, priced competitively.
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Expert Support
You've got a dedicated consultant to answer your questions - from securing the finance, to getting the car to your door.
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Stay Protected
Each car and dealer is fully vetted to ensure it’s a good deal. We investigate the MOT, service history, warranty protection and quality of the dealership.
A1 Approved Warranty
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