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Used car finance calculator

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Used car finance from Stoneacre

More than 80% of UK used car buyers choose finance to help fund their purchase. For many, this is more convenient than paying cash or using a traditional high street loan.


We find the best deals by comparing a comprehensive list of lenders, including major high street names, alternative providers and our own in-house underwriters. This enables us to provide a range of finance options, each aimed at helping you spread the cost across affordable monthly payments - usually between 12-60 equal instalments. There's often no deposit to pay either, and rates can be as low as 0%.


To make finding your next car easier, we stock in excess of 3,000 high-quality used cars. Every Stoneacre car comes with a free Experian vehicle check, guaranteeing the car you plan to finance hasn't been written off, isn't flagged as stolen and doesn't have outstanding finance - giving you added peace of mind.

Which finance options are available on used cars and how do they differ?

At Stoneacre, we provide three ways to finance a used car, each offering varying degrees of flexibility. These are:

Personal Contract Purchase (PCP) – PCP is a great option if you have a reasonable credit rating, want to upgrade to a new car every 2-3 years and you’re looking for cheaper monthly payments. For many customers, this is the most flexible and affordable Stoneacre finance option. To find out more, read our comprehensive guide here.


Hire Purchase (HP) - HP is essentially a long-term lease that gives you full vehicle ownership once all payments have been made. HP is ideal if you've been refused finance for a used car in the past and is also a great alternative to a personal loan. Our guide to HP gives you more information about this option.


Motor Loan – A motor loan is a great choice if you don't have a deposit and you want to own the car from day one, but don't want to be restricted by a pre-agreed mileage allowance. It’s identical to a personal loan, but can only be used to buy a car.

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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
DepositNil
47 Monthly Payments£219.24
Amount to Finance£11,500
Total Interest Payable£2,459.28
GMFV£4,054
Total Amount Payable£14,358.28
Option Fee (Included in TAP)£399
Term48 Months
Rate of Interest (Fixed)4.25%
APR9.3%
Miles per Annum6,000
Excess Mileage Charge6.0ppm