PCP Finance Calculator

Used Suzuki Vitara for Sale

Our PCP finance calculator is the perfect tool for calculating the cost of used cars. You can pick a used car that you like and our handy calculator will do the rest. Simply input your credit rating, preferred deposit, and term (typically between 20 and 49 months) followed by your vehicle's mileage.

Based on the information you have given, our used car PCP finance calculator can show you the estimated monthly payments for your car, as well as the annual mileage restrictions and Guaranteed Minimum Future Value (GMFV). The GMFV acts as an optional final payment if you want to own the car at the end of your agreement.

NB: actual costs will vary based on personal circumstances and don't constitute an offer. 


Representative Example

Cash Price£16,551.73
Deposit£1,578.78
Term49 months
Payment£367.83
Amount of credit£14,972.95
Fixed Interest4.99%
Representative APR10.62%
Total Charge for credit£3,449.86
Option fee (included in total charge for credit)£399.00
Total Amount Payable (Incl. Deposit)£20,001.59

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.

What our PCP Finance Calculator does

Our car finance PCP calculator (UK) allows you to easily check the potential costs for financing a used car. You will see it with the majority of the second-hand vehicles on sale here at Stoneacre, as there is so much flexibility when you are set on a PCP finance deal.

PCP Monthly Payments
PCP Monthly Payments

Monthly Payments


Find out your approximate monthly payments and enquire about your quote with our team online.


PCP Deposit
PCP Deposit

Deposit


With a larger deposit, your monthly payments will be cheaper and you will have less payable interest.

PCP Mileage Costs
PCP Mileage Costs

Annual Mileage


Based on what you choose, the calculator will display annual mileage and extra charges if you go over it.

PCP Total Cost
PCP Total Cost

Total Amount Payable


This is how much you can expect to pay in total, so it's easy to budget and decide whether the deal is right for you.

PCP Monthly Payments

Monthly Payments


Find out your approximate monthly payments and enquire about your quote with our team online.


PCP Deposit

Deposit


With a larger deposit, your monthly payments will be cheaper and you will have less payable interest.

PCP Mileage Costs

Annual Mileage


Based on what you choose, the calculator will display annual mileage and extra charges if you go over it.

PCP Total Cost

Total Amount Payable


This is how much you can expect to pay in total, so it's easy to budget and decide whether the deal is right for you.

Common PCP Calculator Questions

Does your PCP calculator include a balloon payment?


Yes, our PCP finance deal calculator includes a GMFV which is also known as a balloon payment. It is calculated by how much the car is projected to be worth at the end of your agreement.


How much deposit do I need on PCP?


When you've agreed on the deal with your finance company, you'll need to pay a deposit upfront, followed by your monthly payments plus interest. With Stoneacre, you can choose how much of a deposit you want to pay, with a maximum deposit of £2198.


Browse our best PCP finance deals and find out your estimated monthly costs


Learn More About PCP Finance

If you need a quick recap on PCP finance, we have a quick video here that will cover it all. PCP finance, or Personal Contract Purchase, is one of the most popular ways to finance a car and is suited to many people due to its financial flexibility. It is a great finance option because you won't have to pay the full value of the car. Instead, you will have smaller monthly payments and a balloon payment to handle at the end.

From PCP finance applications to the end of agreement options, we can inform you about everything you need to know. If you have questions, contact our in-house finance team and we can help to explain the whole process - or drop us a question online.


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