Car Finance Calculator

APR Representative:8.9%
Duration:0 months
Monthly Payments of:£0.00
Cash Price:£0.00
Cash Deposit:£0.00
Balance to Finance:£0.00
Total Cost of Credit:£0.00
Total Repayment:£0.00
payments of £0.00

Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender.

*When a finance application is being considered we will perform a hard credit search.

How does our car finance calculator work?

Our auto loan estimator is designed to give you a clearer idea of your potential monthly car loan payments.

Simply input the desired loan amount and the repayment duration. The estimator will then generate an approximate monthly payment based on your UK credit rating – be it excellent, good, fair, or poor.

How can I use the calculator?

Using the calculator is a breeze. Just stick to these easy steps:

  • If you’re certain about the amount you want to borrow, move the slider until you reach that amount.
  • Choose how much you would like to pay as a deposit.  Make sure you choose whatever is affordable to you.
  • Select your preferred repayment duration – commonly referred to as the ‘loan term’.
  • Select the credit score profile that matches your financial circumstances best. Options available are Excellent, Good, Fair, or Poor.
  • Adjust the values until the monthly payment estimate matches your budget. If you have a set budget, no worries! Adjust the borrowing amount and loan term to pinpoint a figure you’re at ease with.

It’s crucial to understand that this calculator offers an estimate of your monthly payments. Actual amounts may differ based on specific factors, the car you opt for, your credit score, and the lender that approves your application.

Bad Credit Car Finance Calculator

Utilizing the car finance calculator allows you to gauge an approximation of your monthly repayments, even when faced with bad credit. Though these figures aren’t set in stone, the calculator serves as a tool to gauge your borrowing capacity for a used car under a poor credit rating.

Start by choosing the bad credit banding, then input the sum you’re considering borrowing along with your preferred loan term duration.

This process aids you in determining:

  • Is the monthly repayment for the desired car within your financial reach?
  • Is it feasible for you to contribute more towards monthly payments and thus settle the finance earlier?
  • Are you equipped to consistently manage your repayments throughout the entire agreement term?

Representative Example of Credit

Based on a Hire Purchase (HP) agreement. We expect more than 51% of our customers to achieve this rate.

Loan amount




60 monthly payments


Deposit amount


Loan term

60 months

Flat rate


Total cost of credit


Total amount payable


All pictures and/or photos and car descriptions on this site are for illustration and reference purposes only and are not necessarily the vehicle on offer. All offers are subject to change at any time and are subject to finance approval and vehicle availability. All prices correct at time of publication. E & OE.

Hippo Vehicle Solutions Limited t/a Hippo Finance is authorised and regulated by the Financial Conduct Authority. FRN 658076. Company number 06215364, registered company address – Unit 26, Trident Park, Trident Way, Blackburn, BB13NU. We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. Subject to status and to UK residents only (excl. the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a fixed commission calculated by reference to the vehicle model, product or amount you borrow, for introducing you to a lender but this does not affect the interest charged on the agreement, all of which are set by the lender. Images for illustrative purposes only. Hippo Vehicle Solutions Limited t/a Hippo Finance is an Appointed Representative of AutoProtect (MBI) Limited for insurance distribution purposes. AutoProtect (MBI) Limited is authorised and regulated by the Financial Conduct Authority. Its firm reference number is 312143. You can check this at

We endeavour to ensure that all information including the specifications and finance availability are accurate. Whilst we make every effort to display correct information we are aware that errors may occur occasionally. We are not able, therefore, to guarantee the accuracy of all information especially when given to us by third parties. If you do require clarification of some information you have seen on our website, please email us at [email protected]. This does not affect your statutory rights.

Our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB1 3NU.

When completing an application on this site we will automatically check your eligibility across a range of finance & leasing products to provide you with the best selection of options that we can. Below is a Representative Examples of our HP finance options for comparison, we expect more than 51% of customers to achieve the rates shown.

Representative Example Of Credit (Hire Purchase)
Hire Purchase (HP) Finance Example: Cash Price £12,480.00 Total Deposit £1,140.00. Total Amount of Credit £11,340.00. 60 monthly repayments of £284.50. Interest Charges of £5,730.00 Total Amount Payable £18,309.00. Annual Fixed Interest Rate of 11.1%. Representative APR 18.9%.