Online Car Finance Calculator

Calculate Your Car Loan Monthly Repayments‎

This car finance calculator is for illustration purposes. All figures given on the calculator are estimates only. The interest rate that you receive from your loan provider can vary significantly depending on your personal circumstances. All rates are correct as of August 2016.

Representative Example - Excellent Credit

Loan Amount


48 Monthly Repayments


Representative APR


Loan Term

48 Months

Total Cost of Credit


Total Amount Repayable


What we can do:

  • Fast decision
  • No obligation Quote
  • No Fees or Hidden Charges
  • Your Own Personal Advisor

We could help if:

  • You're 18 or over
  • You've been a UK Resident for the past 12 months
  • You hold a bank or building society account
  • You have good or bad credit

Car Finance

Have you found the car of your dreams? we want to get you into it as soon as possible – and that means finding the best finance deal for your personal needs. That’s why Automotos UK has partnered with 15 lenders who all work off a single application form. Feel free to contact us if you have an questions before submitting you application.

Car finance options explained:


Hire Purchace (HP)

You pay an optional deposit and pay back regular instalments monthly. A fixed monthly cost over a fixed term makes budgeting easier, you can also settle earlier if personal finances allow. At the end of the agreement you own the vehicle.

This could be the option for you if: - you have a poor credit history, you plan to keep the vehicle past the term, or other finance options with restrictions on mileage or eventual ownership are not desirable.

Personal Contract Purchase (PCP)

You pay a deposit and then pay regular monthly instalments usually over a 36 or 48 month period. Instalments are generally lower than HP as you are borrowing the difference between what the car is worth now and what the car is worth in the future, the ‘Guaranteed Minimum Future Value’ (GMFV). At the end of the term you have 3 options, hand the vehicle back and walk away, pay the final ‘balloon’ payment, or trade the vehicle in and start again on a new vehicle. Be mindful that mileage is taken into account to calculate the GMFV, if you exceed the final mileage figure there will be an excess mileage charge.

This could be the option for you if: - you have a deposit and low monthly costs are appealing, ownership of the vehicle is of less importance, or you plan to get a new vehicle every 3 to 4 years.

Personal Loans

The difference between this and HP or PCP is that the loan is not secured against the vehicle, so the vehicle belongs solely to you, generally this puts you in a better bargaining position. This also means you can sell the vehicle on at any time (you will still need to keep up with your repayments). Typically interest rates are more favourable and you won’t need to stump up an initial deposit.

This could be the option for you if: - ownership of the vehicle is important, you have a decent credit rating, or if restrictions on mileage are off-putting. Other types of finance to consider are: - credit such as credit cards, or you may wish to dip into your personal savings. Whichever form of finance you choose ensure it is the right choice for you now and in the future.