Car finance calculator

Representative example: borrowing £7,500 over 48 months with a representative APR of 18.9%, an annual interest rate of 18.9% (Fixed) and a deposit of £0.00, the amount payable would be £223.86 per calendar month, with a total cost of credit of £3,245.06 and a total amount payable of £10,745.06.
You could borrow up to £10,169

With monthly payments of £250

Over a period of 4 years

You could borrow up to £13,918

With monthly payments of £250

Over a period of 4 years

How does the car finance calculator work?


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.

How Creditplus car finance works


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.

Need help finding a vehicle?


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

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. Here’s a summary to help you figure out the best option for you.

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 your eligibility, but dont worry - your credit score won't be affected.

What you'll need for the application:

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

Why choose Creditplus


We’re here to help you get the very 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