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Happy Motor Finance

Calculate Your Finance

Use our calculator to get an estimate of your monthly payments. See rates for all credit profiles.

Calculate Your Finance

£6,500
£200

Estimated monthly payments

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With no impact to your credit score*

How Our Calculator Works

Our finance calculator uses standard amortization formulas to estimate your monthly payments based on the amount you want to borrow and the finance term you choose.

We show estimates for four credit profiles — Excellent (9.9% APR), Good (15.9% APR), Fair (20.9% APR), and Poor (34.9% APR) — to give you a realistic range of what to expect.

You can also switch to "Monthly Budget" mode to see how much you could borrow based on what you can afford to pay each month.

Please note: These are estimates only. The actual rate you're offered will depend on your individual circumstances, credit history, and the lender's assessment. To get a personalised quote with no effect on your credit score, apply online today.

Frequently Asked Questions

Our calculator provides estimated monthly payments based on typical APR rates for different credit profiles. The actual rate you receive may differ based on your individual circumstances, credit history, and the lender's assessment.
The APR you're offered depends on your credit score, employment status, and other factors. Our calculator shows estimates for Excellent (9.9%), Good (15.9%), Fair (20.9%), and Poor (34.9%) credit profiles to give you a range of what to expect.
Yes! You can choose from 24, 36, 48, or 60 month terms. A longer term means lower monthly payments but you will pay more in total interest. A shorter term means higher monthly payments but less interest overall.

Ready to Get Behind the Wheel?

Apply for car finance today. Our quick application takes just minutes and won't affect your credit score.

Apply Now

With no impact to your credit score*

We act as a credit broker, not a lender

Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.

*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document

Our Lending Partners

Representative Example

Borrowing

£6,500

Term

60 months

Monthly Payment

£161.19

APR

16.9%

Total Amount Payable: £9,671.55

This is a representative example. The rate you are offered may differ depending on your personal circumstances.