Car Finance Calculator

How to use our car finance calculator

Simply set your monthly budget or the total loan amount you require, the repayment term you would like and your credit score rating. The result will change as you set each value with the default loan option set to PCP (Personal Contract Purchase); click on the toggle if you would like to choose HP (Hire Purchase) instead. The APR used for the calculation will be estimated based on the values you have set. To find out the exact APR for your loan please complete an online application form.

The representative example below the calculator gives you a typical example based on an APR that most of our customers would qualify for.

Get your finance with Creditplus in 3 easy steps

Step 1:

Complete an online application form (does not affect your credit score or put you under any obligation), and receive an instant online decision. If successful, a car finance consultant will be assigned to you – they will then make contact with you to discuss your options and talk you through the process.

Step 2:

Your dedicated consultant will search through our lending panel to find the best possible lending options based on your budget and other requirements. Our lending panel cover all credit backgrounds, so even if you have a bad credit profile or have been refused elsewhere, we may still be able to help.

Step 3:

Once you have decided on your preferred lending option and terms you can then select your car. If you have not already found the car you want, we can help you get the best deal with our extensive range of ready to buy cars from our approved UK dealer network

Hire Purchase (HP) vs Personal Contract Purchase (PCP)

HP and PCP are the most popular lending options available. To help you decide which is most suitable for you, see the comparison table below detailing the main elements of each.

What information you need to apply for car finance

Our application form is very straightforward, and we only ask for essential information in order to process your application and to access whether you are eligible for a loan from one of our lenders.

As an FCA approved broker we process all your information securely and will not disclose anything to any third parties for marketing purposes. Furthermore, we will only use your information to check your credit profile and this process does not impact your profile in any way.

Information needed to apply:

Your contact details
3 years' address history
3 years' employment details

Why get car finance with Creditplus

We have been successfully helping our customers to secure car finance since 2004. In fact, we were one of the first to offer this service and we have been at the forefront ever since. We pride ourselves on our excellent customer service with many customers returning again and again.

Reasons to choose Creditplus:

Our customers rate us 5* on Google and excellent on Trustpilot
Dedicated car finance consultant assigned to you
Comprehensive panel of lenders to choose from
One of the UKs longest established and highest rated vehicle broker
Car sourcing, full vehicle and dealership vetting at no extra cost

Ready to get your finance started?

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

Get a quote
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