Car finance calculator

Must be between £3,000 to £50,000
Your monthly payment
Total charge of credit£0
Total amount payable£0
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Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.

Our customers who have already got car finance!

  • High Acceptance Rate
  • Representative APR 21.9%
  • Rated excellent on Trustpilot

What is low APR car finance?

Low APR car finance ensures you get the best possible deals on the latest vehicles available today. APR stands for Annual Percentage Rate, which is the interest that is added to your finance loan and included in the monthly repayments each month. Low APR car finance can lower the amount of interest you need to pay across the year and make it much more affordable.

How do I get low APR car finance?

Applying for car finance with Carplus gives you a much better chance of securing a car finance deal rather than going direct to a lender. If your direct application is rejected by a lender you will have to start the process again elsewhere, and receiving more than one refusal could negatively impact your credit score.

The advantage of using Carplus is we pass your application on to a panel of approved and regulated lenders and if there is a suitable match you can then choose the best one to suit you. We do not carry out any credit checks, so using Carplus will not affect your credit score at all.

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How can I get low monthly repayments?

There are some things you can do to increase your chances of getting the best possible deal from a car finance lender.

  • Provide proof of income: Whether a tax return, pay slip or bank statement showing proof of income can help you get low APR car finance.
  • Credit score check: Request a free copy of your credit report from Equifax, Experian or TransUnion to see your current score and take necessary steps to improve it.
  • Shorter-terms: Short-term deals (36 months) can lead to high APR. Give yourself more options when looking at deals, including the car and repayment period.
  • Use a guarantor: A guarantor with a good credit score could help you get a good deal with low APR car finance.

Why our customers rate us 5 stars

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No impact to your credit

Getting a finance quote with Carplus will not affect your credit rating and you can do it for free

No deposit deals

No deposit options are available on all deals. Check if you are eligible today and get approved risk-free with soft search.

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