Car Finance Loan Calculator
Find Out How Much You Can Borrow
Representative Example 19.4% APR
Representative example of a Conditional Sale (HP) Agreement: Borrowing £7,000 over 5 years with a representative APR of 19.4%, annual interest rate of 19.4% (Fixed) and a deposit of £0.00, the monthly payment would be £177.30 per month x 60, with a total cost of credit of £3,638.00 and a total amount payable of £10,638.00. This is an example only. Lender fees may apply, finance is subject to status.
Car Finance R Us is a credit broker, not a lender.
We compare finance products from a panel of trusted lenders to help find a suitable option for you based on your individual credit profile and circumstances.
We may receive a commission from the lender for introducing you to them. This commission may either be a fixed fee per finance agreement or a percentage of the total amount financed. The commission received does not affect the interest rate offered to you or the total amount repayable under your agreement.
No need to waste your time, we'll compare from our panel of lenders for you and ensure you get the best rate possible from our panel — First time around.
We work with our panel of trusted lenders to help secure you the best approvals!
We want getting your car or van finance to be as simple, straightforward and stress-free as possible.
Frequently Asked Questions
Will I be offered the best APR finance rate available?
We compare your details across our panel of trusted lenders, all of whom may offer different rates based on your individual circumstances. As a broker, our aim is to help you secure the best available vehicle finance rates without the need to apply elsewhere.
What Deposit Do I Need To Give For Car Finance?
In many cases you will not need a deposit at all however some lenders might ask you to put down a small payment with varying minimums usually between £400-£500. This is not a percentage of your overall loan and only applies to some lenders.
Can I buy a car from any dealership?
You can purchase a vehicle from any dealership we consider reputable. We carry out checks on both the vehicle and dealership to help ensure you are dealing with a trusted and reputable dealer.
Our team can also help you source and find suitable vehicles from reputable dealerships across the UK based on your preferences and budget.
Is there a hard search on my credit file if I search with you?
Applying for vehicle finance through Car Finance R Us will not initially leave a hard search on your credit file.
Many of the lenders on our panel use soft search technology to provide an initial decision when you apply. These quotation searches may appear on your credit file as a secondary search, however they are only visible to you and will not affect your credit score or be seen by other lenders.
If you choose to proceed with a finance agreement, a hard credit search may then be carried out by the lender and recorded on your credit file. Making repayments on time may help improve your credit profile over time.
Is there an Age Limit for Car Finance?
Although you can legally drive at 17, you must be at least 18 years old to apply for vehicle finance. Age requirements may vary across our panel of lenders, and in some cases applicants may need to be over 21 and under 70 at the time of application.
If I have bad credit, can you still help me?
Yes you can get car finance with bad credit or even a previous default. It will, however, be more difficult to find a lender, but certainly possible. Car Finance R US could help you get car finance with a default by looking at the lenders in our panel that specialise in helping those who have bad credit, CCJs and IVAs.
