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A bad credit score doesn’t mean a bad deal. As long as you can afford the monthly repayments, you could still be approved for car finance and drive away in the car of your dreams. Let our expert team find the car credit agreement that works for you so you can get on the road. Use our simple car finance calculator to decide how much you should borrow.  

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Find out how much you could borrow

Here is an example finance plan

Rates from 6.9% APR: the exact rate you will be offered will be based on your circumstances

Representative example: borrowing £6,500 over 5 years with a representative APR of 27.4%, an annual interest rate of 27.4% (Fixed) and a deposit of £0.00, the amount payable would be £188.74 per month, with a total cost of credit of £4,824.37 and a total amount payable of £11,324.37

Rates may differ as they are dependent on individual circumstances. Subject to status.

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Find out how much you could borrow

How does our car finance calculator work?

Our simple calculator acts as a guide to give you an idea of how much you’d have to pay each month and in total. 

How to use the car finance calculator

Select the amount you want to borrow and for how long to see at a glance what your monthly repayments could be.

Apply and get your car finance quote

Complete our quick and easy online application, get pre-approved for car finance and choose your new car.

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Find the right finance option for you

Ready to start?

Our simple application only takes a couple of minutes and you could be approved for finance in less than 24 hours.

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No impact on your credit score

We've got rates from 2.9% flat.

Frequently asked questions

Completing our simple application form won’t affect your credit score. Once we’ve confirmed a few details with you, we’ll start searching for the best deal. In many cases, we can complete checks using only soft searches which don’t impact your credit score. However, if your circumstances are a little more complicated, then we may have to use hard searches which will be visible on your credit report. If you do not want us to carry out any hard searches, just let us now.

How much interest will I have to pay?

Your car finance quote will be based on the information you submit and the amount you want to borrow. Interest rates are calculated on different criteria, so until you apply, we can’t guarantee your rate. However, if you aren’t happy with the terms you are offered, you don’t have to take out the agreement.

Why doesn’t my quote match the rate shown on the car credit calculator?

Our car finance calculator is only a guide to give you an idea of how much you can borrow and what the monthly repayments would be. Once you complete the application, we can provide a more accurate quote based on your financial circumstances.

Is my quote guaranteed?

In most cases, the pre-approved agreement will be available to you once you select your car, but there may be some further checks required, and the pre-approval is not a guarantee that you will be accepted.

What if I already have a finance agreement but want to upgrade?

If you already have a finance agreement, our experts can help you switch or terminate your existing agreement and find a new credit agreement that meets your needs. Contact us to find out more.

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