Our car loan calculator helps you work out how much you can borrow for your budget on HP and PCP car finance.
Simply use the sliders to set your monthly budget, length of repayment and select your credit score. The amount you can borrow and how much the loan will cost is calculated for you. To give you a rough estimate of your total car credit.
Ready to get started? Find out your exact APR without affecting your credit score with our quick, no-obligation Application Form.
When you apply for car finance, we search our vast panel of lenders to find you the best possible deal, based on your budget and individual circumstances.
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, when you apply it doesn’t affect your credit score, and once you’re approved, you’ll be assigned your own dedicated car finance specialist to discuss your options in more detail.
If you haven’t found your car yet, 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 perfect car and deliver it to your door – at no extra cost.
Prior to delivery, the vehicle is thoroughly checked and prepped at our Pre-Delivery Inspection centre by our very own team of professionally trained mechanics - so you can be confident that your vehicle meets RAC approved standards.
For more details regarding our vehicle preparation checks, visit Find, Fund and Deliver
HP and PCP are the most popular types of car finance but choosing the right option for yourself isn’t always easy. Here’s a summary to help you figure out the best option for you.
*If you choose to pay the balloon payment
Want to know more? Find out more about HP and PCP, or explore more Vehicle Finance Options
*If you choose to pay the balloon payment
Want to know more? Find out more about HP and PCP, or explore more Vehicle Finance Options
Our application is very straightforward, and once complete you'll receive an instant decision. We simply require a few details to check your eligibility, but dont worry - your credit score won't be affected.
What you'll need for the application:
We’re here to help you get the very best car finance deal for your budget and requirements.
Reasons you can buy with confidence:
To find out your credit score, you’ll need to access a copy of your statutory credit report from one of the three main credit reference agencies; Experian, Transunion or Equifax. Your report will include a full breakdown of your credit history, including your credit rating.
When you apply for a car loan with Creditplus, we run a Soft Credit Search on your profile to check your affordability. Soft searches won’t leave a trace on your credit profile and do not affect your credit score. However, it’s worth noting that some car finance companies may run a hard credit search, which will leave a footprint on your credit report and could cause your credit score to drop slightly. While one hard search is unlikely to impact your credit score significantly, multiple applications over a short period can be more damaging. And may lead some lenders to assume that you are over-extending your credit.
No. If you haven’t yet found your car, you can still check your eligibility and receive an instant decision with our quick and easy Online Application. Just tell us roughly how much you’re looking to borrow, and we’ll provide you with a quote. Once you’ve found the car, we simply transfer the funds to the dealer or private seller and you can drive away. Alternatively, you can use our Find, Fund and Deliver service if you need help finding the perfect vehicle.
Yes. Whether you’re looking to buy a car on finance through a dealer or a private seller, we can help. All we need is the vehicle registration to ensure your car meets the lender’s requirements. Once the finance is in place, we can transfer the funds and it’s yours to collect.
If you need help finding your perfect car, why not take advantage of our Find, Fund and Deliver service?
A deposit can often strengthen your application, but if you don’t have the cash available, we offer a no-deposit option subject to approval. Alternatively, if you have an existing vehicle you’re looking to sell, we can accept this as a Part-exchange towards your next car.
Find out how much your car is worth with our handy Car Valuation Tool.
Yes. Used car finance is extremely popular, and with such a wide choice of flexible loan options including PCP, HP and Car Leasing to choose from, you can tailor your finance package to suit you. Browse our Used Car Search for the best second hand car finance deals available, or simply Apply Online today.
Yes. We understand not everyone has a perfect credit score and that’s why a number of our lenders offer finance packages specifically tailored to individuals with Bad Credit. Find out if you’re eligible with our Car Finance Checker and receive an instant decision, without affecting your credit score.
A Balloon Payment is a lump sum owed to the lender at the end of the agreement. With PCP the balloon payment is optional, depending on which option you take at the end of your agreement. If you want to keep your car the balloon payment must be paid, but if you choose to return the car to the lender or part-exchange it for another vehicle, you simply hand the car back.
Your mileage allowance is agreed at the start of your contract and is used to determine the cost of your monthly repayments. Should you exceed your mileage allowance, you’ll normally be faced with an excess mileage charge (typically around 1 pence per mile). But don’t worry – you can discuss your mileage options with your car finance to specialist.
If a rate is displayed as a representative APR, it means at least 51% of applicants who are approved for the loan will be offered the advertised rate. The remaining 49% will be accepted, but usually at a higher APR.
An exact APR takes into account your personal details and your credit score to provide the actual rate you’re eligible for. With an exact APR you know exactly how much your loan will cost, making budgeting easier. Get an exact APR with our 2-minute Eligibility Checker, without affecting your credit score.
To find out your credit score, you’ll need to access a copy of your statutory credit report from one of the three main credit reference agencies; Experian, Transunion or Equifax. Your report will include a full breakdown of your credit history, including your credit rating.
When you apply for a car loan with Creditplus, we run a Soft Credit Search on your profile to check your affordability. Soft searches won’t leave a trace on your credit profile and do not affect your credit score. However, it’s worth noting that some car finance companies may run a hard credit search, which will leave a footprint on your credit report and could cause your credit score to drop slightly. While one hard search is unlikely to impact your credit score significantly, multiple applications over a short period can be more damaging. And may lead some lenders to assume that you are over-extending your credit.
No. If you haven’t yet found your car, you can still check your eligibility and receive an instant decision with our quick and easy Online Application. Just tell us roughly how much you’re looking to borrow, and we’ll provide you with a quote. Once you’ve found the car, we simply transfer the funds to the dealer or private seller and you can drive away. Alternatively, you can use our Find, Fund and Deliver service if you need help finding the perfect vehicle.
Yes. Whether you’re looking to buy a car on finance through a dealer or a private seller, we can help. All we need is the vehicle registration to ensure your car meets the lender’s requirements. Once the finance is in place, we can transfer the funds and it’s yours to collect.
If you need help finding your perfect car, why not take advantage of our Find, Fund and Deliver service?
A deposit can often strengthen your application, but if you don’t have the cash available, we offer a no-deposit option subject to approval. Alternatively, if you have an existing vehicle you’re looking to sell, we can accept this as a Part-exchange towards your next car.
Find out how much your car is worth with our handy Car Valuation Tool.
Yes. Used car finance is extremely popular, and with such a wide choice of flexible loan options including PCP, HP and Car Leasing to choose from, you can tailor your finance package to suit you. Browse our Used Car Search for the best second hand car finance deals available, or simply Apply Online today.
Yes. We understand not everyone has a perfect credit score and that’s why a number of our lenders offer finance packages specifically tailored to individuals with Bad Credit. Find out if you’re eligible with our Car Finance Checker and receive an instant decision, without affecting your credit score.
A Balloon Payment is a lump sum owed to the lender at the end of the agreement. With PCP the balloon payment is optional, depending on which option you take at the end of your agreement. If you want to keep your car the balloon payment must be paid, but if you choose to return the car to the lender or part-exchange it for another vehicle, you simply hand the car back.
Your mileage allowance is agreed at the start of your contract and is used to determine the cost of your monthly repayments. Should you exceed your mileage allowance, you’ll normally be faced with an excess mileage charge (typically around 1 pence per mile). But don’t worry – you can discuss your mileage options with your car finance to specialist.
If a rate is displayed as a representative APR, it means at least 51% of applicants who are approved for the loan will be offered the advertised rate. The remaining 49% will be accepted, but usually at a higher APR.
An exact APR takes into account your personal details and your credit score to provide the actual rate you’re eligible for. With an exact APR you know exactly how much your loan will cost, making budgeting easier. Get an exact APR with our 2-minute Eligibility Checker, without affecting your credit score.
Get a decision within 2 minutes, without affecting your credit score.
