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Car finance calculator

Used car finance calculator

Quickly see what your monthly payments would be on your new car.

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Find a used car finance option to suit your needs

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Finance a used car

Financing a used car can be more convenient than paying cash or using a traditional high street loan. In fact, now more than 80% of UK used car buyers choose finance to help fund their purchase of a used vehicle.


At Stoneacre we find the best deals by comparing a comprehensive list of lenders, including major high street names and alternative providers. 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.


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. This guarantees the car you plan to finance hasn't been written off, isn't flagged as stolen and doesn't have outstanding finance, so you get added peace of mind.

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Best used car finance deals

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.

Used car finance 0% APR

At Stoneacre, we strive to make motoring more affordable. As a result we are committed to finding you the best financing for used cars, this includes incredible 0% finance options. Our used car finance 0% deals ensures you only pay for the cost of the car and mean you save a considerable sum in interest payments. This helps to make buying a used car more affordable and means you may be able to afford a better specification than you first thought.

In addition, many of our deals are also available with nil deposit options too. So you no longer have to save up a large lump sum to get behind the wheel of your dream used car.

Used car financing calculator

At Stoneacre, we are committed to finding you the best deal for your budget, which is why we have an online used car financing calculator. It is a fantastic tool to give you a rough estimate of the monthly cost of your preferred car.

Simply select your credit rating from poor, fair, good or excellent, your preferred deposit, the vehicle price and your desired payment term and it will give a rough estimation of your monthly repayments. If you’re happy with the result, you can even begin applying for used car finance using our hassle-free form.

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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
DepositNil
47 Monthly Payments£280.51
Amount to Finance£13,00
Total Interest Payable£2,743.97
GMFV£2,950
Total Amount Payable£16,133.97
Option Fee (Included in TAP)£399
Term48 Months
Rate of Interest (Fixed)8.83%
APR9.9%
Miles per Annum8,000
Excess Mileage Charge6.0ppm

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