01
Hire Purchase (HP)
You spread the cost over fixed monthly payments and own the car outright once the final payment is made. Payments are usually higher than PCP because you repay the whole balance.
Your next car, your options
Car finance.
A clearer picture.
Explore ways to fund your next car and see what your monthly payments could look like.
Explore estimates, not a finance offer. Fast Cars Dealer is a marketplace, not a lender. Nothing here is financial advice.
Understand your options
Find the right route for you
02
Personal Contract Purchase (PCP)
Lower monthly payments with a larger optional final payment. At the end you can pay that balloon figure to keep the car, part exchange it, or hand it back subject to the agreement terms.
03
Car loan
An unsecured personal loan from a bank or lender. You buy the car as a cash buyer, so the vehicle is yours from day one and the loan is separate from it.
04
Leasing (PCH)
A long-term rental with fixed monthly payments, an agreed mileage limit and a contract length. You return the car at the end rather than owning it.
Illustrative calculator
Car Finance Calculator
Find out what your next car could cost each month. Adjust the vehicle price, deposit and repayment period to explore different payment estimates.
Car finance calculator
The price of the car you're considering.
£
10% of price
How much would you like to pay upfront?
£
The assumed annual cost of borrowing used for this example.
Your estimated monthly payment
£339.02 / month
48 payments at an assumed 9.9% effective annual rate.
- Deposit £1,500.00
- Amount borrowed £13,500.00
- Estimated interest £2,772.77
Your finance breakdown
- Vehicle price
- £15,000.00
- Deposit
- £1,500.00
- Amount financed
- £13,500.00
- Repayment period
- 48 months
- Assumed effective annual rate
- 9.9%
- Estimated monthly payment
- £339.02
- Estimated total interest
- £2,772.77
- Estimated total payable incl. deposit
- £17,772.77
Hypothetical 48-month example with equal monthly payments and no additional fees.
Finance calculations are for illustration only and are not a quotation or offer of credit. Actual finance terms, interest rates, fees and eligibility may differ. Finance availability is subject to status and the lender's own assessment. Fast Cars Dealer is a marketplace, not a lender.
Who provides the finance?
Independent dealers may offer finance through their own finance providers. Fast Cars Dealer does not arrange finance for independent dealer vehicles unless expressly stated otherwise.
Where Fast Cars Dealer Ltd is identified as the seller, finance may be available on eligible vehicles through an approved third-party finance arrangement. Finance is subject to status, eligibility and the provider's terms.
Read the Marketplace Payment & Finance Notice →