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Car finance calculator

Used car finance calculator

Quickly see what your monthly payments would be on a used car.

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Find a used car finance option to suit your needs

No deposit required

An affordable solution

Get a fast decision on used car finance

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Won't affect your credit rating

Finance a used car

At Stoneacre we keep used car finance simple.

Our refined application process ensures that our team of award-winning experts work for you to find the best possible deal.

It couldn't be more convenient to get your hands on a second-hand car. Financing a vehicle through Stoneacre ensures that it has never been written off, stolen or have outstanding finance.

Every day we try to get our customers the best deals through our versatile panel of lenders.

Why should you choose Stoneacre?

  • Huge selection: We always stock over 3,000 used cars.
  • Tailored finance: Our expert team will find your perfect used car deal.
  • No dodgy deals: All our used vehicles have a full history & mechanical check.
  • Did you know that more than 80% of UK used car buyers choose finance to help fund their purchase of a used vehicle?

    Find Your Car

    Best used car finance deals

    There are three easy ways to finance your next used car, offering simplicity, flexibility and great APR.

    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.

    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 for any used cars on finance. Our guide to HP gives you more information about this option.

    Nil Deposit

    In addition, many of our used car finance deals are also available with nil deposit options too. So, you don’t necessarily need a large lump sum or part exchange to get behind the wheel of your perfect used car.

    Check Eligibility

    0% APR used car finance

    We believe motoring should be more affordable, so we try keep money in the pockets of our motorists by offering the best financing offers possible for our used cars. This includes our incredible 0% finance options.

    Our used car finance 0% deals ensure you only pay for the cost of the car, so you save a considerable sum in interest payments.

    Learn More

    Used car financing calculator

    Our commitment to finding you the best possible deal for your budget inspired us to offer our online used car finance calculator. This fantastic tool gives you an estimated monthly cost for your chosen car (based on Hire Purchase).

    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 checking your eligibility for second hand car finance using our hassle-free form.

    Try It Out

    Why trust our used cars?

    Before a used car that enters any of our dealerships, it undergoes a rigorous 125-point vehicle check by our highly-trained technicians. But before it even reaches our technicians, the car undergoes a thorough Experian history check to ensure the vehicle has a trusted background.

    Full mechanical and electrical check.

    Comprehensive inspections are carried out throughout the vehicle, from tyres to fuel injectors - our qualified technicians don’t overlook anything.

    Quality control

    We carry out a full background check of every used car including service history, mileage and fraud. We are 100% confident none of our second-hand cars have ever been written off, stolen, or have outstanding finance.

    Paint and bodywork

    Following a full inspection of paint, wheels, glass and bodywork, our technicians ensure everything is showroom-perfect. Any imperfections are professionally repaired using the highest-quality methods.


    We ensure the entire car is spotless inside and out; even air vents, engine bays and petrol caps are not safe from our team of professional car detailers. Their keen eye for detail also helps get the interior looking as close to its brand-new state as possible.

    All Used Cars

    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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