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Bad credit car finance calculator

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Car Finance Deals

So, you’ve found your dream car but you’re feeling just a little unsure about which car finance deal is best for you?

With Stoneacre, you’ll find a selection of the best car finance deals, but it’s still worth pausing to consider your options and how they work before rushing headlong into a barrage of numbers and percentages.

To help you compare the car finance options and work out what’s best, here are three of the most popular deals explained.

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Personal Contract Purchase

Perhaps one of the most popular types of car finance deals Personal Contract Purchase is also the most flexible, giving you several options come the end of the contract.

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Hire Purchase

Of the main choices of car finance deals available, Hire Purchase is the traditional option. Although not as flexible as a PCP deal, Hire Purchase does guarantee ownership of the car at the end of the finance agreement.

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Personal Contract Hire

If you’ve no interest in owning your next car, then Personal Contract Hire might be the best car finance option for you. It’s also a suitable car finance deal if you don’t want to worry about depreciation or interest costs. This is a rental agreement and not a purchase agreement.

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No deposit

Our panel of lenders are able to offer no deposit car finance deals for customers who don’t want, or are unable to put down a large deposit on their car. These deals are available across a range of finance packages, including HP, PCP and PCH.

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0% APR

Our stock always includes a selection of both new and used cars available on 0% car finance.

Getting started is quick and simple, just complete our online application form and a member of our specialist team will be in touch to help guide you through the rest of the process.

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Bad credit

We specialise in helping customers looking for bad credit car finance solutions and have a 2/3 approval rate. At Stoneacre, we consider all circumstances and care more about your financial situation today and whether or not you can afford your monthly payments. Not just your credit score.

There’s no harm in making an application as we use a soft search during the early stage, meaning you get an idea of your eligibility without it negatively impacting your credit profile.

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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£13,000
47 Monthly Payments£280.51
Amount to Finance£13,00
Total Interest Payable£2,743.97
Total Amount Payable£16,133.97
Option Fee (Included in TAP)£399
Term48 Months
Rate of Interest (Fixed)8.83%
Miles per Annum8,000
Excess Mileage Charge6.0ppm

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