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Use Our Car Finance Calculator to Find the Best Deal For You

Choose how much you want to borrow and how long for and get an instant quote today.

Rates from 8.9%: the rate you will be offered will be based on your circumstances

Representative example: borrowing £7,000 over 5 years with a representative APR of 19.56% , the annual interest
rate of 19.56% (Fixed) and a deposit of £0.00, the monthly installment would be £183.75, with a total cost of credit
of £4,025
and a total amount payable of £11,025.

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

How To Use Our Car Finance Calculator

Our car finance calculator is free to use and will not impact your credit score. You may already have your dream car in mind and this allows you to enter how much you need to borrow towards it, how long you would like the agreement to run for and what you think your credit score might be.

The calculator will automatically give you an indication of:

  • Best rates
  • Total repayments
  • Total cost of credit

Next, select ‘Get a Quote’ and Quick Car Finance will instantly list a number of competitive quotes from the car finance companies that we have partnered with.

Offering a full market price comparison, you can select the deal that suits your requirements and subject to some further checks, we can help you process your application for funding within 24 to 48 hours. Once fully accepted, we help transfer the money to the dealership so that you can purchase your dream car. Simple.

Select Your Budget

Start by selecting your budget and how much you need to borrow. We can arrange car finance from £3,000 to £150,000 – so you might want to enter the ‘on the road’ value of your desired vehicle, whether it is a BMW, Mercedes, Range Rover or any other favourite car brand.

Select how many months you would like to borrow for, ranging from 12 months to 84 months. Our most popular products such as Hire Purchase (HP) and Personal Contract Purchase (PCP) will typically last for 3 to 4 years (36 to 48 months), but if you are looking for a personal loan, this may extend to as long as 7 years (or 84 months).

Select your credit history which gives an indication of how risky you are to lend to. Naturally, having a perfect or excellent credit score will maximise your chances of approval, but we are proud to have a number of options available and specialist lenders who are able to offer car finance for bad credit.

We offer a tiered pricing structure for different credit histories - so that you can get the lowest rate possible and will not pay more due to market rates or commission from dealers.

Get an Instant Decision

We can provide an instance decision from over 48 tiers of car finance. You can choose the offer that is most suited to your requirements – and then we will carry out to some final checks to complete your application as quickly as possible.

Once approved, the selected lender will transfer funds to the car dealership of your choice (or one that we recommend) and you can purchase your new vehicle within 24 to 48 hours.

What Types of Finance Are Available?

Personal Contract Purchase (PCP) – Make a deposit (minimum 10%) and make fixed monthly payments for 3 to 4 years depending on the term of agreement. You have the option to make a balloon payment at the end of the term if you wish to own the car outright. The larger your deposit, the smaller your monthly payments will be.

Hire Purchase (HP) – Make an initial deposit (minimum 10%) and then make monthly payments until you eventually own the car outright. This type of loan is ideal for making fixed monthly repayments, or if you want to own the vehicle outright at the end of the agreement.

Personal Loan – This is an unsecured loan between you and a lender and once it is approved, the money is transferred to the car dealer. Your eligibility is based on your income, credit status and affordability. This is typically the cheapest form of borrowing and the loan is not secured against the vehicle so you can continue to own it, but you may pay penalties if your payments are overdue.

No Deposit – We have a no deposit car finance options available and this may require a part exchange of your existing vehicle or committing to higher monthly payments.

Why Use The Car Finance Calculator from Quick Car Finance?

Quick Car Finance was set up in 2017 to provide greater transparency in the car finance industry. A lot of UK motorists are continuously being overcharged for car loans without realising it and we wanted to create a broker platform that puts you in the driver’s seat.

Our car finance calculator is a key starting point to determine your budget. This allows us to provide pricing tiers based on credit status and affordability - and offer the best rates to the customer, no matter what the commission is.

We offer a quick car check on all vehicles purchased through our website, checking the dealer, the car’s history and everything in between.

We ensure that you can get the lowest prices possible and are not oversold any products or inflated prices along the way.

Our website is completely free to use and applying will not impact your credit score. Simply use our calculator provided or click on ‘get a quote’ below.


Secure SSL Site

Your privacy is our top concern, so we also encrypt your personal details and only send to lenders via secure API.


No Upfront Fees

We never charge upfront fees. In fact, it’s our belief that you should never pay an upfront fee to any reputable company just for access to a loan.


Fast Decisions

Submit a loan request in minutes - not hours. So you can get on with your day while our team handles the rest. Our application form just take a few minutes.