Car finance calculator

Use our car finance calculator to get an idea of how much a car finance agreement with us costs, with no commitment to apply.

Representative 29.9% APR

Car finance calculator

Car finance calculator

Borrowing

Credit rating

Select the option that best describes your credit rating.

There are no additional fees

Representative

28.9% APR
24 monthly payments of
£376
Total Payable: 
£9,022
48 monthly payments of
£235
Total Payable: 
£11,264
60 monthly payments of
£208
Total Payable: 
£12,490
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Average Customer Rating

4.9/5Feefo logo
Independent Service Rating Based on 2,091 verified reviews. 
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Our car finance calculator is best used honestly. This means if you don't have the best credit, you should rate your credit rating as "average" or "poor" to get a truer representation of how much a Hire Purchase car finance agreement costs. The APR that you see is representative of the APR for those factors (lend amount, term, and credit file rating).

Just so you know... our car finance calculator is only for Hire Purchase, not personal loan or PCP (we do not offer PCP finance).

Credit ratings explained

Poor
  • You've had frequent address changes and may not be on the electoral roll at your current address.

  • You've had a patchy employment history, possibly with periods of unemployment.

  • You have a high level of indebtedness and make frequent applications for credit.

  • You have defaults or County Court Judgements (CCJs) and have made late payments.

Average
  • You've been a resident at your address (whether owned or rented) for at least three years and are on the electoral roll at that address.

  • You have a stable employment history and you're in current full-time employment, or have been self-employed for a long period of time.

  • You have a history of credit (mortgages, credit cards, loans etc.) with very few missed payments.

  • You've made infrequent credit applications and have no defaults or County Court Judgements (CCJs).

Good
  • You've been a resident at your address (whether owned or rented) for at least three years and are on the electoral roll at that address.

  • You've been with the same employer (or self-employed) for at least three years.

  • You have a long history of credit (mortgages, credit cards, loans, etc.) with no missed payments.

  • You've made infrequent credit applications and have no defaults or County Court Judgements (CCJs).

Just so you know... our car finance calculator is for illustration purposes only.

First Response Finance is a responsible vehicle finance lender, and all decisions are made in the best interests of the customer; based on credit scores, status, and income at the time of application. We'll never approve an application if we believe you might struggle with repayments.

Get independent advice on money, finance products, debt management, and budgeting through Citizens Advice and MoneyHelper.