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Car finance calculator

I would like to borrow
To pay back over
3.5 years

Zuto is a credit broker, not a lender. Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £9,000 over 60 months with a representative APR of 20.9% the amount payable would be £234 a month, with a total cost of credit of £5,047 and a total amount payable of £14,047.

Zuto Limited. Registered in England under number 05722976. Registered office: Winterton House, Winterton Way, Macclesfield, Cheshire SK11 0LP. Zuto Limited is acting as a broker and not as a lender. Authorised and regulated by the Financial Conduct Authority, registration number 452589. Zuto can introduce you to a limited number of finance providers, based on your credit rating, Zuto won't charge you anything for this service, but do get a fee from the lender which varies based on the product or amount borrowed.

How to check if you can get car finance

You’ve found the vehicle you want to buy and you’ve decided that some kind of car finance is required to make your purchase. It’s simple enough to see that there’s a variety of different forms of finance available, but do you know how to check if you can get car finance?

The easiest way to find out if you are eligible is getting expert help from specialists in all aspects of car finance. Here at, you can make use of innovative tools like our affordability calculators and check not only whether you can get finance for a specific make and model, but also get an idea of how much you might be able to borrow.

Fast and fuss-free, you can find out the answers you seek in less than a minute. If you’re looking for more information or would like to discuss your individual circumstances with a member of a team, you can arrange a call back. We’ll be in touch for a discreet one-to-one conversation and can find a solution to your needs, matching you with an exceptional finance deal to fit your means. We work with a select group of lenders who offer different finance products for a variety of circumstances.

Affordability calculators

Online affordability calculators allow you to check in less than a minute the likelihood of you getting a car finance agreement.

These calculators are great timesaving services that can get you the information you need in a quick and stress-free way. They will help you to determine if you are likely to be offered finance on a specific vehicle before actually making an application.

When you’re checking if you can get finance, you can also work out how much you’re likely to be able to borrow. All you’ll need is an understanding of your credit history, being able to rate it roughly on a scale of bad to excellent, how much your monthly budget is for payments, and how many years you would like to repay the total sum of your loan over.

Benefits of online calculators

Knowing in advance the likelihood that you will be accepted for a car finance agreement, and gauging what you might be able to afford, has multiple benefits. It gives you peace of mind if you know there’s a strong possibility that you will be successful. It also saves you time and energy you would’ve spent in the application process if the chances are you would’ve been rejected. Thirdly, using affordability calculators online to find out if you can secure car finance doesn’t negatively impact your credit score and won’t decrease your chances of securing an agreement.

Avoid guaranteed finance offers

Until all your personal information has been given, the details of the car you wish to purchase has been noted and your credit history has been checked, no lender or car dealership can guarantee that your application for car finance will be successful.

If you see the words “guaranteed finance”, it’s a sign that you should be wary of any deals being offered to you.

All of the aforementioned personal and vehicle details are a deciding factor on whether you will be accepted for car finance and must be taken into account before you will be offered a deal.

Expert advice at your fingertips

It’s our ongoing goal to provide an invaluable resource for those seeking car finance. As experts in the automotive industry, we’re perfectly placed to discover the very best deals on offer for your unique set of circumstances.

If you have any questions on this topic, don’t hesitate to contact our friendly and helpful team.

Other related FAQs

Looking for more related content to this? We’ve picked a selection of related topics that you may find helpful

Whether or not you can return a financed car depends on the type of agreement you have. If you’ve got a hire purchase (HP) or personal contract purchase (PCP) plan, you’re allowed to hand it back – as long as you have paid off at least 50% of the loan, including any fees and interest.

When determining interest rates on car loans, lenders take a range of factors into account, including the size of the loan and your credit rating.

Settling a car finance agreement is usually just a case of paying back the amount you borrowed, plus any additional fees. If you want to settle early, you may face extra charges.

Dealerships and banks have access to some slightly different finance products. Banks can offer personal loans – and dealers can sometimes offer special promotions like 0% APR. Since you’re free to choose – you should compare all options available to you.

Car finance is calculated according to a number of factors, including the type of agreement you take out, your credit rating, the term of the loan and the size of deposit you pay.

In many cases, yes, changing or part-exchanging a car with outstanding finance is possible. Since car finance can’t be moved from one car to another, you (or a dealership you’re getting your next car from) will have to settle the current loan and begin another on your next vehicle.

No, you cannot transfer your car finance to another car. However, depending on your circumstances, you may be able to settle your current finance agreement and begin a new one on a different vehicle.

Car loans are calculated according to a number of factors, including the type of loan you take out, the term of the loan and your credit rating.

You can approach lenders directly to get a car loan for a used car. However, it’s often best to use an online broker instead. This approach can save you time and help you to find the most competitive deals.

Applying for a car loan in someone else’s name is referred to as ‘accommodation finance’. This is likely to be against the finance company’s terms and conditions – and, in some cases, it could be considered to be fraud.