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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.
