Car finance calculator

Amount to borrow

Must be between £3,000 to £40,000

Choose length of contract









Assuming your credit profile is

Estimated payments

These estimates are subject to credit checks and may change when you apply for finance.

Hire Purchase (HP)
APR 6.9%

60 monthly payments of


Total charge of credit
Total amount payable
Personal Contract Purchase (PCP)
APR 6.9%

60 monthly payments of


Optional final payment
Total charge of credit
Total amount payable

What is instant decision car finance?

Instant decision car finance ensures you are not left waiting around for a decision about your car finance application. You will know within 60 seconds whether or not you have been approved or rejected by the lender.

The lender will look at things such as your income, previous credit history, location and other factors before reaching a decision. Instant decision car finance means you get the answer right away so you can plan your next move.

Can I get instant decision car finance?

Everyone is eligible for instant decision car finance. With Carplus, the majority of our authorised lenders will be able to provide an instant answer with 60 seconds. However, it may take longer depending on the details submitted with your application.

Even if you have bad credit you can make an application for instant decision car finance through Carplus. We connect you with a panel of regulated lenders and will match you with the company most likely to approve your application. This stage of the process will not have any impact on your credit rating.

How does instant decision car finance work?

The application process is simple with Carplus:

Step 1

Complete the online application form which only takes a few minutes.

Step 2

We will process your application and match you with a selection of suitable lenders.

Step 3

If you wish to proceed with the car finance application you will then complete the process directly with the lender.

Step 4

Where a loan is approved they will send the agreement to you to read, sign and return.

Step 5

You can arrange to collect the keys to your brand new vehicle and look forward to getting behind the wheel!

We compare car finance deals for you

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