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Car Finance Calculator

What finance options does the Q Finance calculator offer?

Our finance calculator is designed to give you quick and easy access to a range of popular finance products. Your quote will depend on key details such as the vehicle's age, price, mileage, and the information you provide - and it works for both new and used vehicles.

Here's what's available:

Hire Purchase (HP)

HP allows you to spread the cost of your vehicle over a set period. You'll usually pay a deposit, followed by fixed monthly repayments. Once the agreement is complete and all payments have been made (including any fees or interest), you own the vehicle outright. It's straightforward, with no balloon payment at the end and no option to return the vehicle - just clear ownership once the balance is paid.

Personal Contract Purchase (PCP)

PCP is a flexible option with lower monthly payments. A Guaranteed Future Value (GFV) is set at the start - this is what the car is expected to be worth at the end of the term. You pay a deposit and make monthly payments based on the difference between the purchase price and the GFV. At the end, you can either:

  • Make the final payment (balloon) to keep the vehicle
  • Hand it back (subject to condition and mileage)
  • Trade it in and use any equity towards a new finance deal

It's ideal if you like to upgrade your vehicle regularly or want to keep your options open.

Lease Purchase (LP)

Lease Purchase works similarly to HP but includes a larger final payment (balloon) at the end. This allows for lower monthly payments throughout the agreement. There's no option to return the vehicle, but once the balloon is paid, the vehicle is yours. LP is a great option for those looking to reduce their monthly outgoings while still working towards ownership.

How does the Q Finance calculator work?

We've made it as smooth and simple as possible.

Start by choosing the type of vehicle you're interested in - whether it's a car, van, motorhome, or something else. Select whether the vehicle is new or used, then enter a few key details like:

  • Vehicle price
  • Your deposit amount
  • Finance term (in months)
  • Estimated annual mileage

Hit 'Get Quote' to see your tailored options. To give you the most accurate results, we'll ask for a few quick contact details (name, phone, email), and then move on to the vehicle information. If you know the registration number, great - pop it in. If not, no worries - you can continue without it. Just add the current mileage and double-check your finance inputs.

In just a few clicks, you'll receive a personalised quote that matches your budget and lifestyle - no pressure, no obligation, and no need to leave your sofa.