Car Finance Calculator

Are you looking for Car Finance but the numbers are confusing you? Are you trying to wrap your head around deposits, repayment terms, APR rates and repayment costs? Look no further! Our car finance calculator can answer all your numeric enquiries and help get your head around what your next step may be.

Credit profile
Repayment term (yrs)

Rates from 6.9% APR; the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6500 over 5 years with a representative APR of 19.2%, an annual interest rate of 11.3% (Fixed) and a deposit of £0.00, the amount payable would be £169.54 per month, with a total cost of credit of £3672.40 and a total amount payable of £10,172.40.

We act as a broker, not a lender.

6.9% APR
Total cost of finance
Total repayment
60 monthly payments of
Apply now

Rates from 6.9% APR Representative APR 19.2%


Wishes Granted


Cars in Stock


Value of Loans Funded

How does the car finance calculator work?

Never wonder again whether you could have afforded that car after all. Use our simple car finance calculator to quickly work out how much car finance may cost you.

It’s as straightforward as entering how much you would like to borrow, the period of time over which you intend to pay it back, and a few other key details.

Then we’ll show your likely repayments based on a low, moderate and high APR.

This should give you a good idea of the finance options available to you. And hopefully there’ll be fewer surprises when you actually get a finance deal.

The calculator will then estimate what your repayments may be if you seek car finance through CarFinanceGenie. This will largely depend on your credit rating; the better your credit score, the more competitive the deal you are likely to be able to get.

How It Works

Please enter a few details below to see how much you could borrow.



Ready for a new car? Get a no-obligation finance quote. We consider most credit situations and have access to a wide panel of lenders, so we could find a car finance option which suits you


Get approved

We compare our panel of lenders and our experts will be able to outline the best options available to you


Choose a car

With hundreds of trusted quality used cars available from our carefully selected dealers, your dedicated Genie will be on-hand to help find the right car for your needs and budget


Drive away

Wish granted. Complete all of the required documents and get the keys to your new car.

Providing the best car finance deal today

The principle behind car finance is simple: instead of paying the entire sum for a car upfront, you can divide the cost into manageable monthly installments.

There are various car finance products available. At CarFinanceGenie our main focus is on two finance products; hire-purchase deal and personal contract purchase. Don’t worry – if you’re already lost. We break down the jargon and will always explain everything to you in straightforward and honest terms.

There are various factors which can impact the cost of your monthly payments, including; the length of the term, whether you choose to pay a deposit and the strength of your credit rating. There are a lot of possibilities when it comes to car finance, and we’ll delve into some of them in more detail below.

Please note, the three APRs shown by our calculator will only be representative examples. To get an exact APR, you’ll need to get a car finance quote by filling out our application form. Don’t worry – it’s only a short one.

We have an excellent reputation at CarFinanceGenie for our ability to provide the best possible deals for customers’ particular circumstances, preferences and requirements.

You might have an excellent, good, fair or bad credit profile, and you may wish to spread your repayments over a term as short as one year, or as long as seven years.

Whatever you require or expect from car finance, we could help you to clinch the right deal. We consider your credit rating and such factors as the amount you wish to borrow and whether you wish to pay a deposit, before coming to a decision.

We’re a broker with a broad panel of lenders, which helps us to bring applicants deals that work for them, for the car that they want. In fact, once you’ve got approved for a loan, you can pick from hundreds of quality used cars from the dealers in our network.

You could then soon be driving away a car that appeals to both your head and your heart. It all begins by inputting a few numbers into our convenient car finance calculator.

Need help using the car finance calculator?

For the easiest-to-use car finance calculator online, look no further than CarFinanceGenie. Begin by entering the amount you’d like to borrow, followed by your credit profile and the desired length of the repayment term in years.

The choices that you make here will make a big difference to the numbers the car finance calculator gives you. So, don’t forget to check that the information you enter is accurate.

Be sure to carefully scrutinise the loan rate, the total finance cost, the total repayment cost and the monthly payment figure that the calculator produces in response to your inputs. This will help you to determine whether you would be able to afford this car finance deal.

Please note that the figures the car finance calculator produces are only an estimate of how much you might pay for a loan, based on your circumstances, requirements and budget.

To determine the actual amount you will be expected to pay for car finance through CarFinanceGenie, you will need to complete our formal car finance application form. It’ll take you just a few minutes, and you’ll receive a decision on the same day – perhaps even instantly.

The car finance deal that you may ultimately receive, including any particular rates and prices, will also depend on the specific lender that approves you.

Even if you already know your budget for a car finance deal, our car finance calculator is easy to use. All that you have to do is alter the loan amount and repayment period, to figure out what kind of deal you might be able to afford when you apply through us.

Don’t consider any other broker when you’re in need of the most convenient, informative and accurate car finance calculator online!

Find the car you want, even with bad credit


CarFinanceGenie is the broker to trust when you #WishUponACar. We provide a straightforward and honest service for people of all backgrounds, circumstances and requirements who seek a competitive car finance deal.

Why Choose Car Finance Genie?

Our Incredible Service

We offer fantastic customer service, based in Brentwood, Essex, throughout your application process and beyond. With over 100 independent five star reviews, don’t take our word for it. Find out what our customers have to say!

Trusted Dealer Network

We’d never send you to the wrong place! Our fantastic network of carefully picked, trusted dealers mean you can get the car you want with complete piece of mind. As we hand pick our dealers, we trust them to provide you with the vehicle you want in exactly the condition you want it at a great price!

SAF Approved

SAF Approved provides recognition for companies like Car Finance Genie where all of our staff involved in your finance application have passed the SAF Expert test. This makes us ready to assist and give you the best advice on any queries you may have.

CFG Quality Assured

Here at Car Finance Genie, every vehicle is quality assured to our highest quality assurance standards. Our rigorous checks and trusted dealers mean you can drive away without having any worries on your new vehicle’s quality.

No Deposit Finance Available

Want to get a great car finance deal but haven’t been able to build up a deposit to put towards it? No problem! We offer various flexible options within our finance options including bad credit finance and car finance without a deposit. Whatever your situation, we’ll try our best to help!

Years of Experience

Our experts have many years of experience combined- whatever your situation is, we’ve probably seen it before! There’s no question our car finance specialists won’t try and answer. Put it to the test and get in touch today!

We have an excellent track record of achieving acceptance even for applicants who may have previously been rejected by lenders. Indeed, some of our lenders specialise in helping people with bad credit. We could also provide deals for car finance requiring no deposit or guarantor.

It’s a simple process to apply for car finance through us online. We’ll provide a no-obligation quote on the same day, and will only perform a ‘soft search’ that has no impact on your credit score. We will never perform any ‘hard searches’ without asking for your permission first.

Apply today, and we’ll consider your credit situation and request for a car loan, drawing upon our wide panel of lenders. This will maximise the chances of us finding a deal that suits you.

Having compared the products of our lenders, we will then outline your options for car finance. Accept a loan at this stage, and you could soon be choosing your desired car, completing the necessary documents and getting the keys to your new set of wheels.

It all begins, though, with the best online car finance calculator in the UK. Enter some key details, and you can quickly ascertain whether you will be able to afford the car you want.

There are so many reasons why you may desire a car. You might require it for the workday commute, the weekly shop or dropping off and picking up the kids at school… or you may just want to show off behind the wheel of the car of your dreams.

We really do cater to all kinds of customers at CarFinanceGenie, providing a professional and honest service.

Apply today for a quote

Everyone is different when it comes to car finance, and at CarFinanceGenie, we’re accustomed to bringing our applicants the deals that suit them, on a customer-by-customer basis.

We can offer a number of types of car finance deal, including hire-purchase (HP), conditional sale and personal contract purchase (PCP) arrangements. Click through to find out more about your options for car finance.

Determine how much you could be paying for a car finance deal with the help of our simple online car finance calculator, before applying now for a competitive quote. You could be behind the wheel of a car that you love, so much sooner than you think!

We are extremely proud of every single one of our independent customer reviews

Car Finance With No Deposit FAQs

Although car finance calculator can give you a fantastic understanding of your budget, there are certain aspects of your application that the calculator can on occasion not predict. The car finance calculator will give you the best possible answers based on the information you provided. Apply today to get a specific quote tailored to you to be 100% accurate.

The car finance deal that you can obtain – as well as the one that best suits your requirements – will naturally depend on a range of factors and we are on hand to help when you are choosing a product that fits your needs. Obtaining the best car finance deals available to you will depend on factors such as your personal and financial circumstances, your age, employment, and credit rating. We work with several different lenders and will always ensure that we have found you the best deal possible. Whether you have CCJs on your file, are in an IVA or have been previously declared bankrupt (now discharged) we are here to try to help.

At CarFinanceGenie we promise to make the process of finding and financing the perfect car stress free. For far too many people securing car finance is an arduous and long-winded task. In 2018, our co-founders set out on a mission to simplify a process that can be daunting and confusing, and we take great pride in our exceptional track record in achieving acceptance for customers who may have struggled to get car finance in the past. CarFinanceGenie provide a stress-free and honest service for those who simply want to find the right car for the right price. We break down all the technical jargon and we supply all the information so you’re able to make an informed decision. It is our mission to be straightforward and honest with 100% of the people we deal with. We operate with complete transparency and ensure that you are communicated with every step of the way.