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PCP Finance Calculator

About our PCP Finance Calculator

Looking to figure out your monthly payments if you take out a PCP agreement? Use our PCP finance calculator to see how much you’ll pay.

This is based on the amount you want to borrow and an estimate of your credit score.

PCP generally results in monthly lower payments than HP finance. That’s because you pay only the depreciation of the value of the vehicle rather than the full value. At the end of the agreement, if you would like to own the vehicle, you’ll have to pay a lump sum.

However, if you want to change you car often – every two to three years – PCP could be the right choice for you.

The lender can repossess the car if you miss payments.

Enter the amount of the final lump sum into the PCP finance calculator for a more accurate look at your monthly payments.

These calculations are based on representative APR rates. If you want an exact APR/repayment figure then you should apply for PCP finance and a CarMoney finance ninja will get in touch with you to help guide you through the process.

Personal Contract Purchase (PCP) example

Example costs for buying a vehicle through Personal Contract Purchase. These examples are based on CarMoney rates as of June 2021.

Representative example:
Monthly Payment £283
Annual Mileage 8000
Deposit £1098
Final Payment £6,424
Term (Months) 48
Total Amount Payable £21,104
Balance to Finance £16,000
APR 8.9%
Representative example image

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CarMoney LIMITED is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activity and our registration number is 674094. Representative 17.9% APR. Over 18’s only. CarMoney IS A BROKER NOT A LENDER.

REGISTERED ADDRESS: Pioneer House, 2 Renshaw PL, Motherwell, ML1 4UF, Scotland.Company Number: SC467274.

All finance is subject to status and income. Written Quotation on request. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions.