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Car finance calculator

Car finance calculator

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Stoneacre car finance

Whether you're looking for your first car, family car or even your dream car, buying with Stoneacre couldn't be easier. Our award-winning car finance team pulls out all the stops to provide a great deal and a great experience.

Working with a panel of specialist lenders, we're able to offer market-leading rates and deals, including interest free and no deposit options. Applying is fast and simple, thanks to our quick-to-complete form.

First, what is car finance?

Car finance can often seem like a minefield, yet in reality it's a fairly hassle-free process and ideal for those who are unable - or who'd rather not - pay for a vehicle outright.

Instead, you enter into a legally binding finance agreement giving you the freedom to pay off the balance in manageable monthly instalments. A non-refundable deposit is sometimes also payable, but this can often be as little as a single month's payment.

Your options and how they vary?

Car finance comes in various forms, each offering varying degrees of flexibility. These includes traditional ownership and an option that won't necessarily see you own the car at the end of the contract.

Personal Contract Purchase (PCP) - Great if you have a reasonable credit rating, want the freedom to drive a new car every two-to-three years and want cheaper monthly payments.

Personal Contract Hire (PCH) - Essentially long-term rental and ideal if you want low monthly payments, you're not interested in ownership and you'd like servicing or replacement tyres included in the deal.

Hire Purchase (HP) - If you want to own your car at the end of the agreement and you're not eligible for or don't want a personal loan, choose Hire Purchase.

Motor Loan - Ideal if you don't have a deposit, want to own the car outright and you don't want the restrictions of a mileage allowance.

Financing your car with Stoneacre?

1. Apply for finance - Use our online application form to get an initial decision in minutes. Shortly after, a member of our in-house team will get in touch to complete the process.

2. Find your car - Finance is only available to purchase a car from one of our 46 dealerships. However, with 18 new car manufacturers and over 3,000 high-quality used cars to choose from, you're sure to find the perfect car.

3. Agree the deal - Once you've secured the car, established the cost of finance, and agreed the repayments and deposit, the paperwork can be drafted.

4. Sign the agreement - This is also when any deposit must be paid, or your old car given in part-exchange. Once the official handover is completed, you can drive away in your new car.

Are you eligible for car finance with Stoneacre?

Although each lender from our panel has its own criteria, there are several requirements you must meet to be eligible.

Applicants must:

Have resided in the UK for at least three years - You must live in the UK and have done so for at least three years.

Be at least 18 years of age - By UK law, you must be at least 18 years old to enter into a finance agreement.

Earn £600+ per month after tax - This can come from full or part-time employment, self-employment, benefits or a combination.

Not be bankrupt - You must not be involved in bankruptcy proceedings. Ex-bankrupts may be considered - find out more about this at: financing a car with bad credit. Apply Now

Finance Disclosure

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0800 111 6768.

Representative example
Cash Price£11,500
47 Monthly Payments£219.24
Amount to Finance£11,500
Total Interest Payable£2,459.28
Total Amount Payable£14,358.28
Option Fee (Included in TAP)£399
Term48 Months
Rate of Interest (Fixed)4.25%
Miles per Annum6,000
Excess Mileage Charge6.0ppm