Car finance calculator

 If you're looking for car finance, our quick calculator helps you work out your monthly payments. To get a personalised quote with no impact on your credit score, sign in to Online Banking.

How our car finance calculator works

To find out what you could pay each month, enter the full price of the new car, the deposit and how long you want to borrow for. The calculator also shows what your APR could be. The APR is how much it will cost for your total borrowed amount as a percentage.

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Important information: This calculator is for illustration purposes only. Your actual repayments could be lower or higher depending on your personal circumstances. The make, model and age of the car you’d like to purchase will also impact the final figure quoted.

Try our car finance calculator


What's this?

This is the total price of the car you want to buy or the price you’ve negotiated with your dealer. If you haven’t chosen a car, enter the amount you plan to spend.

What's this?

Your deposit is the amount of money you pay upfront to secure the car. Include any part exchange paid for your existing car, if you’re trading it in.

What's this?

You can choose how many months (between 12 and 60) you want to repay your car finance over. The longer the term the lower the monthly repayments, but the more you’ll pay in interest.

Please enter a term between 12 and 60 months


To apply for car finance with us, you’ll need to:

  • hold a current account (min 3 months)
  • be aged 18 or over and a UK resident
  • be registered for Online Banking.


Personal Contract Purchase (PCP)

Personal Contract Purchase

Optional lump sum

This is the final payment due if you want to keep the car. It's our predicted future value of the car at the end of the finance agreement and only applies to Flex Car Plan (PCP). You can either pay the optional lump sum to own the car, or hand the car back – return conditions apply. To find out more, view our product comparison page.

Total repayments

The Total Repayment shown for Flex Car Plan (PCP) includes the optional lump sum.

Personal Contract Purchase (PCP) final payment will be the optional lump sum.

Hire Purchase (HP)

Hire Purchase


Hire Purchase Representative example:

You could borrow £13,000 over 48 months with 48 monthly repayments of £305.49. Total amount repayable will be £14,673.52(including £10.00purchase fee). Representative 6.2%APR, annual interest rate (fixed)6.00%.

Lending is subject to status and additional affordability checks.

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We also offer personal loans from £1,000 to £25,000 with repayment terms from 1 to 5 years. Take a closer look at our personal loans. 

Compare your car finance options

If you're not sure which type of car finance is right for you, why not use our handy comparison tool? Sign in to get started.

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