Car Finance Payment Calculator (Hire Purchase)

Set Your Budget

Please enter a Deposit
Please enter a Vehicle Cost

What You'd Pay

Your monthly payment:

£0

Best Rate Available:
0%
Total Repayment:
£0
Total Cost of Credit:
£0
Free Finance Check
The car finance calculator does not constitute an offer, it is an indication of cost. Your chosen Stoneacre dealership will clarify final deal details. Total Repayment and Total Cost of Credit include £399.00 Option Fee.

Car Finance Calculator Online

We’ve created this handy car finance HP calculator, so it’s easy and straightforward for you to calculate your monthly payments, total repayments, interest rates, and other accompanying costs. You can easily compare car finance in the UK with us and get the best possible quote.


Additionally, we're partners with lenders who are specialists in bad credit finance, meaning you can easily calculate your finance payments with poor or even bad credit.

  • Estimate monthly payments

    Fill out all the fields in our car finance quote calculator and instantly get an estimate on your monthly payment costs.

  • Best available interest rate

    Based on the information you provide, including your credit score, our HP finance calculator online can help display the best rates available to you based on your specific circumstances.

  • Cost of credit

    Our car finance cost calculator will also highlight total cost of credit, so you can consider every finance expense.

  • Total car finance repayment

    Our Hire Purchase finance calculator works out the total car finance repayment by combining your interest rates with the car's monthly payments. This shows how much you can expect to pay overall.

How does your Hire Purchase car finance calculator work?

Our useful UK Hire Purchase (HP) calculator works on the basis of HP Finance. In 4 simple steps, you can compare several different factors, including varying deposit amounts and term lengths. If you’d like to receive an exact price on our cars, contact our friendly finance team today. Work out how much you could pay on a car with Hire Purchase, check your costs with our Hire Purchase cars calculator, and enquire for an exact quote today!


Decide on how much you want to finance and fill out the following fields:


Credit Rating


We cater for all circumstances, so don’t be too concerned if you think you have a poor credit rating. Our finance experts could still find a deal which suits you.



Your Deposit


Remember, a larger deposit means there’s a smaller amount left to finance. This could help keep your monthly repayments low and affordable.



Vehicle Price


With thousands of new and used cars always available you’ll have a great choice of top-quality vehicles, whatever your price range.



Payment Term


Spread the cost between 12-60 months. Shorter agreements will have larger monthly payments and less interest. The opposite applies to longer contracts.



Credit Rating


We cater for all circumstances, so don’t be too concerned if you think you have a poor credit rating. Our finance experts could still find a deal which suits you.



Your Deposit


Remember, a larger deposit means there’s a smaller amount left to finance. This could help keep your monthly repayments low and affordable.



Vehicle Price


With thousands of new and used cars always available you’ll have a great choice of top-quality vehicles, whatever your price range.



Payment Term


Spread the cost between 12-60 months. Shorter agreements will have larger monthly payments and less interest. The opposite applies to longer contracts.


What happens after I apply for HP finance?

After your initial application for car finance, you can browse through Stoneacre’s large choice of cars online. Alternatively, you can head to one of our dealerships, with the types of cars you want to buy in mind. Equipped with the knowledge of approximate monthly payments, you're sure to find the best monthly finance deal. We also offer flexible deals on used cars.


Wondering about what kind of deposit you can put down? Use our free valuation tool to gives you a solid idea of how much your current car is worth.



A Dedicated, Award-winning Finance Team

As soon as you’ve found your ideal car at Stoneacre and have identified which finance deal best suits your needs, you can then apply online.

It’s a fast and simple process, and you’ll quickly know if you’re eligible.

Even if you have bad credit, or have had in the past, our car repayment calculator can help work out the costs. We also have low APR car finance for those that have excellent credit scores. Whatever your situation – we’ve got you covered.


Related Information

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£14,757.28
Option fee (Included in TAP)£399
Term48 Months
Rate of Interest (Fixed)4.25%
APR9.3%
Miles per Annum6000
Excess Mileage Charge6.0p per mile

We are a credit broker and a lender. We can introduce you to a limited number of lenders and their finance products. We will provide details of products available, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Lenders may pay commission to us (either a fixed fee or a fixed percentage of the amount you borrow) for introducing you to them, this may be calculated in reference to a variable factor such as (but not limited to) the vehicle age, your credit score and the amount you are borrowing. Different lenders may pay different commissions for such introductions.

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