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How much can you afford?Finance calculator

Your guide to car finance and our services

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  • Use our finance calculator to get an estimate of how much you can borrow. Exactly how much you borrow depends on your personal circumstances and credit rating. Our finance partners, Zuto, can give you a free, no-obligation quote to help you weigh up your options.

  • APR stands for Annual Percentage Rate. It’s the amount of interest you’ll pay yearly on the money you’ve borrowed, including the various fees that apply, so that you can accurately determine and compare the overall annual cost of your agreement.

    APR will be shown on personal contract purchase (PCP), hire purchase (HP) and conditional sale (CS) quotes. It does not apply to personal contract hire (PCH) car leases.

  • This is a pre-agreed mileage limit imposed for the duration of the finance agreement, designed to protect the car’s value. The size of your deposit, monthly payments and (if applicable) final payment will then be calculated based on this.

  • On some adverts on Auto Trader, the finance information is provided by the dealer selling the car or lease provider. Where a dealer doesn’t advertise finance on Auto Trader, we use information and a finance example from our partner, Zuto. We do this so that no matter who is selling the car, you have the option to look at a monthly finance option.

  • The prices we show are not guaranteed but are indicative of what is available to the majority of customers who apply. Whether you’re approved, and on what terms, is subject to your status.

    Finance is available to UK residents over 18, and terms and conditions apply. If you have any questions about the finance advertised, it’s best to check with the dealer or with Zuto before you apply. Similarly, check with car leasing providers as to whether you are eligible.

  • Dealers pay us a monthly fee to advertise their own finance offers. For adverts where we’ve included our partner Zuto’s finance information, they pay us a commission each time a customer uses a loan approved by them to purchase a vehicle.

    With our leasing offering, we get paid a commission each time a customer takes a lease agreement from one of our leasing providers.