Car Finance Loan Calculator

Find Out How Much You Can Borrow

Representative Example 22.9% APR

Representative example: Borrowing £8,000 over 5 years with a representative APR of 22.9%, annual interest rate of 22.9% APR (Fixed) and a deposit of £0.00, the monthly payment would be £215.52 per month, with a total cost of credit of £4,931.20 and a total amount payable of £12,931.29. This is an example only. Lender fees may apply, finance is subject to status.

Car Finance R Us is a broker, not a lender
We are a creditbroker, not a lender. We compare multiple lenders to help you find the best rate available from our panel based upon your individual credit profile. We do receive a commission. That commission is either a fixed fee per finance agreement, or a commission based on a percentage of the total amount of finance taken. This, however, will not affect the interest rate offered or the total amount repayable.

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No need to waste your time, we compare our panel of lenders for you.

We work with the top lenders to ensure you get the best car finance rate - first time

We want getting your car or van finance to be as simple and straightforward as possible.

Frequently Asked Questions

Will I be offered the best APR finance rate available?

We compare your details with our lending panel who offer different rates. Our job as a broker is to offer you the very best rates available on the market, so you do not need to go anywhere else.

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 buy a car from any car dealership we deem reputable. We will conduct background checks on the dealership to ensure you are dealing with a reputable dealer.

Is there a hard search on my credit file if I search with you?

Applying will not leave a hard search on your credit file. The lenders we work with use soft search technology to pre-approve our customers when making an application. These are known as quotation searches and will appear on your credit file under secondary searches. Only you can see this information and cannot be seen by companies you apply for credit with. Only if you proceed with the finance you have been offered will a hard search then be recorded to show you have an active credit agreement on your file. If you keep up with your repayments, this could also improve your credit worthiness when you next apply for credit.

Is there an Age Limit for Car Finance?

Although you can legally drive at 17 you must be 18 or older to get vehicle finance.This age does vary with our panel of lenders and in some cases you must be older than 21 and younger than 70 at the point 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.

Still need help?

Get in touch with us if you need to talk it through.

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