Car finance calculator

Find out how much you could borrow with our car finance calculator. Whatever your credit history, our calculator will give you a guide of how much you could borrow in a couple of clicks.

How to use our car finance calculator

Our calculator tells you how much you might be able to spend on a car. We only need to know three things:

  1. How much you’re able to repay each month.
  2. How long you’d like to repay the loan.
  3. Your overall credit rating.

That’s it. We don’t need specifics and you can tweak it as much as you like. We’ll then show you an example of how much you might be able to borrow, based on customer profiles who are similar to you.

What can I do next?

Now that you know how much you might able to borrow, the next steps are up to you. You can:

  • Get some personal car finance quotesapply for car finance now or click Get your quote You can find out more below in our section, How to get a personal car finance quote.
  • Find out more about car finance – we have loads of information about car finance options, as well as details on the most popular types, hire purchase (HP) and personal contract purchase (PCP).
  • Increase your credit score – if you have a bad credit score, lenders are often still able to help you. Read our advice on how to increase your score – it can be as simple as registering on the electoral roll.
  • Search for a car to buy – we work with an approved list of trusted dealerships across the UK so you can search for over 30,000 vehicles in your MyZuto account area after you’ve applied. We’re also AutoTrader’s official car finance partner, so if you see a car there with Zuto finance on, we can finance it, subject to your status and income.
  • Talk to an expert – we have a team dedicated to helping our customers, from finding the right car finance product for you, to helping you pick a car. Call us on 01625 619 944, or use our contact form to request a call-back.

What costs should I think about?

The most important thing when buying a car is to know what you can afford – how much do you have left at the end of each month to put towards a car loan? It’s useful to think about things like:

How much will the car cost to run?

  • Fuel – what type of fuel does the car use and how efficient is it?
  • Servicing and maintenance – is it under warranty, how much is servicing at your garage, how much are spare parts?
  • MOT – cars older than three years need an annual MOT.
  • Tax – tax is based on emissions and fuel type. New cars are charged differently to those registered between 1 March 2001 and 31 March 2017, and those before.
  • Insurance – insurance will depend on factors like your driving history, where you live, how you’ll use your car and the car you buy.

What length of loan is right for you?

How long your loan should last, and how much you’d like to repay each month, depends on your personal budget.

Paying the loan off over a shorter period – like two years – will mean larger monthly repayments, but will reduce the total sum you pay back. Paying less each month over a longer period – like four years – may make it easier to get the car you need, but the total amount you pay (see our APR example at the top of the page) will increase.

You can tweak the options in our car finance calculator to find a balance that works for you.

How to get a personal car finance quote

To get a quote, click on the ‘get your quote’ button and follow the questions – it’s really easy and doesn’t affect your credit score.

We’ll need to know:

  1. The type of vehicle you’re looking to finance – car, taxi, van, caravan or motorbike.
  2. How much you want to borrow – this is the total you’d like to borrow, don’t worry if you haven’t found a vehicle yet.
  3. Some personal details – we’ll need the basics, like your name, date of birth and marital status, as well as things like your monthly income after tax, your employment status and contact details.

We’ll then run your details past our panel of lenders and if approved, we’ll be in touch to discuss your quote. Quotes are valid for 30 days.

Want more information about car finance?

Our team of experts are happy to answer your car finance queries, so get in touch.

You can also find more information on:

Arrange a call back

Opening Hours:
Monday to Thursday 9am - 8pm
Friday 9am - 7pm
Saturday 9am - 6pm
Sunday 10am - 6pm