Car finance calculator

To get started, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

How our finance works

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 30.5% APR

Car finance calculator

To get started, you’ll need:
  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

How our finance works

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 30.5% APR

How to use our car finance calculator

To use our car finance calculator, fill in each box and it will show you what your finance could look like. This includes how much your monthly payments might be and the total you’d repay over the course of your agreement.

Top tip: if your first quote isn’t right, try playing around with the amount you want to borrow and the repayment term.

If you’re ready, then get a quote now. It takes less than 5 minutes, and gives you an immediate decision as to whether we could help.

To get started, you’ll need:

How to use our car finance calculator

To use our car finance calculator, fill in each box and it will show you what your finance could look like. This includes how much your monthly payments might be and the total you’d repay over the course of your agreement.

Top tip: if your first quote isn’t right, try playing around with the amount you want to borrow and the repayment term.

If you’re ready, then get a quote now. It takes less than 5 minutes, and gives you an immediate decision as to whether we could help.

To get started, you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

We can finance cars that meet our lending criteria:

  • Priced between £4,000-£35,000
  • The car can have a mileage up to 120,000 at the start of the agreement (depending on your loan offer)
  • No more than 15 years old by the end of the agreement (depending on your loan offer)
  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

We can finance cars that meet our lending criteria:

  • Priced between £4,000-£35,000
  • The car can have a mileage up to 120,000 at the start of the agreement (depending on your loan offer)
  • No more than 15 years old by the end of the agreement (depending on your loan offer)

How does financing a car work?

How does financing a car work?

One

Get a quote using our online application form. This should take less than 5 minutes.

Two

We run an initial soft check to check your eligibility. This will not impact your credit score.

Three

If you’re approved, browse vehicles within your budget with our vehicle finder tool.

Four

A member of our team will help you with any paperwork and search for your new car.

Five

Once your agreement is signed, we’ll pay the dealer and you can collect your new car!

One

Get a quote using our online application form. This should take less than 5 minutes.

Two

We run an initial soft check to check your eligibility. This will not impact your credit score.

Three

If you’re approved, browse vehicles within your budget with our vehicle finder tool.

Four

A member of our team will help you with any paperwork and search for your new car.

Five

Once your agreement is signed, we’ll pay the dealer and you can collect your new car!

My experience with Moneybarn was wonderful. It was professional, smooth, and easy. Within 6 hours of the initial phone call, we secured a vehicle, and within a week, everything was sorted. I can’t express enough how easy it was! – Jazz.

Customer-Stories-Jazz-Social
Customer-Stories-Jazz-Social

My experience with Moneybarn was wonderful. It was professional, smooth, and easy. Within 6 hours of the initial phone call, we secured a vehicle, and within a week, everything was sorted. I can’t express enough how easy it was! – Jazz.

How do the monthly payments work?

How do the monthly payments work?

We use a Conditional Sale agreement. This means you will have full access to the car, but won’t legally own it until your make your final monthly payment.

You won’t pay a large sum up front, or at the end of the agreement, unlike some other types of car finance. However, like many other finance types, the agreement is secured against your car. This means that your car could be repossessed if you don’t meet your monthly payments.

If you’d like to read more about the different finance then check out our guide on the types of car finance.

It’s important to fully understand the terms and conditions and all of the costs involved before you sign any car finance agreement. That’s why we suggest playing around with our calculator, and once you’re ready, get a quote.

Conditional Sale car finance diagram

We use a Conditional Sale agreement. This means you will have full access to the car, but won’t legally own it until your make your final monthly payment.

You won’t pay a large sum up front, or at the end of the agreement, unlike some other types of car finance. However, like many other finance types, the agreement is secured against your car. This means that your car could be repossessed if you don’t meet your monthly payments.

Conditional Sale car finance diagram

If you’d like to read more about the different finance then check out our guide on the types of car finance.

It’s important to fully understand the terms and conditions and all of the costs involved before you sign any car finance agreement. That’s why we suggest playing around with our calculator, and once you’re ready, get a quote.

Bad credit car finance calculator

We are specialists in bad credit car finance, so you don’t need to worry if you have a low credit score. We understand that sometimes a low credit score can often be out of your hands and can be knocked down for many reasons.

Our aim is to help people get into a car and onto a better road ahead. If you have a CCJ or an IVA, then you could be joining the thousands of customers we help each month.

Get a quote today and find out if we could help. We only make a soft search at the point of application, which doesn’t affect your credit file, and gives you an instant decision. We only use a hard search when you’ve found the right car and contracts are drawn up for you to sign

FAQs about our car financing calculator

APR stands for ‘annual percentage rate’. It is the total cost you pay to borrow money for a given year.

Our car financing calculator is for illustrative purposes. Your personal APR will depend on several factors, such as your credit file and whether you’ve missed any payments in the past.

When you get a quote, if you’re approved we’ll show you a personal APR and how much you could borrow.

Read our handy guide if you want to learn more about what APR means.

A deposit is the amount of money you pay up front when you start a car finance agreement. Whether you could get no deposit car finance depends on your circumstances. Some of our agreements may require a deposit based on certain individual factors such as affordability and credit history.

When you get a quote, we’ll ask for the following information:

  • Personal information: this includes your name, date of birth, and marital status
  • Employment: your employment status, employer, and job title. We will never contact your employer
  • Income: your net monthly income (what you make each month after tax) helps us understand your affordability
  • Address history: your current address and 3 years of UK address history
  • Contact details: your mobile number and email address so we can get in touch with you if you’re approved.

If you’re approved in principle, it’s because we need a few more details to support your application. If that’s the case, a member of our team will guide you through that process.

Getting a quote with us only takes 5 minutes. We’ll just need to know a little bit about you, your address and your job. This with us will not affect your credit score, as we use a soft credit search to give you an initial decision.

We only use a hard search when you’ve chosen to enter into an agreement with us, and contracts are drawn up for you to sign.

There’s a lot of factors to consider when applying for car finance. The amount of car finance you can get depends on a variety of factors, such as affordability and credit history.

We can provide finance from £4,000 to £35,000. To get an idea of what your agreement might look like, try our car finance calculator at the top of the page, or if you’re ready, get a quote today.

Our customers on average pay £250-£400 a month on their car finance.

It’s important to know that everyone’s car finance is different, and so your monthly payments might be lower or higher, subject to status and affordability.

There are several factors that affect how much your monthly payments could be. These include:

  • How much you’re looking to borrow
  • How long your agreement lasts
  • What your personal APR is

You can try out our finance calculator and it will show you examples of what your monthly payments could look like.

When you’re ready, get a quote. It takes less than 5 minutes and gives you an instant decision, and if you’re approved, it’ll show you what your agreement might look like.

Bad credit car finance calculator

We are specialists in bad credit car finance, so you don’t need to worry if you have a low credit score. We understand that sometimes a low credit score can often be out of your hands and can be knocked down for many reasons.

Our aim is to help people get into a car and onto a better road ahead. If you have a CCJ or an IVA, then you could be joining the thousands of customers we help each month.

Get a quote today and find out if we could help. We only make a soft search at the point of application, which doesn’t affect your credit file, and gives you an instant decision. We only use a hard search when you’ve found the right car and contracts are drawn up for you to sign

FAQs about our car financing calculator

APR stands for ‘annual percentage rate’. It is the total cost you pay to borrow money for a given year.

Our car financing calculator is for illustrative purposes. Your personal APR will depend on several factors, such as your credit file and whether you’ve missed any payments in the past.

When you get a quote, if you’re approved we’ll show you a personal APR and how much you could borrow.

Read our handy guide if you want to learn more about what APR means.

A deposit is the amount of money you pay up front when you start a car finance agreement. Whether you could get no deposit car finance depends on your circumstances. Some of our agreements may require a deposit based on certain individual factors such as affordability and credit history.

When you get a quote, we’ll ask for the following information:

  • Personal information: this includes your name, date of birth, and marital status
  • Employment: your employment status, employer, and job title. We will never contact your employer
  • Income: your net monthly income (what you make each month after tax) helps us understand your affordability
  • Address history: your current address and 3 years of UK address history
  • Contact details: your mobile number and email address so we can get in touch with you if you’re approved.

If you’re approved in principle, it’s because we need a few more details to support your application. If that’s the case, a member of our team will guide you through that process.

Getting a quote with us only takes 5 minutes. We’ll just need to know a little bit about you, your address and your job. This with us will not affect your credit score, as we use a soft credit search to give you an initial decision.

We only use a hard search when you’ve chosen to enter into an agreement with us, and contracts are drawn up for you to sign.

There’s a lot of factors to consider when applying for car finance. The amount of car finance you can get depends on a variety of factors, such as affordability and credit history.

We can provide finance from £4,000 to £35,000. To get an idea of what your agreement might look like, try our car finance calculator at the top of the page, or if you’re ready, get a quote today.

Our customers on average pay £250-£400 a month on their car finance.

It’s important to know that everyone’s car finance is different, and so your monthly payments might be lower or higher, subject to status and affordability.

There are several factors that affect how much your monthly payments could be. These include:

  • How much you’re looking to borrow
  • How long your agreement lasts
  • What your personal APR is

You can try out our finance calculator and it will show you examples of what your monthly payments could look like.

When you’re ready, get a quote. It takes less than 5 minutes and gives you an instant decision, and if you’re approved, it’ll show you what your agreement might look like.

Car finance

Car finance can be a great option for many, as it gives you access to a car without having to pay any lump sums up front. Find out how we could help you.

The application process

Wondering if we will lend to you? Find out more about our process and how we choose who to approve for car, van, and motorbike finance.

Self-employed car finance

People who are self-employed can find it difficult to get approved by mainstream lenders. Click the button below to see how we could help you.