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Car finance calculator

Looking for car finance and want to know how much you could borrow? With Zuto, it's quick and easy thanks to our handy car finance calculator.

How does our car finance calculator work?

To help you get started and have a budget in mind, we only need to know three things. The first is how much you can afford to pay in car finance payments each month. You’ll need to have reviewed your own incomes and outgoings to settle on a figure that you can comfortably afford, and don’t forget to factor in the potential running costs of the car you buy. If you need help with understanding these costs, you can find some information below.

Next, you simply need to tell us the period you’d like to repay over. This is entirely up to you, but you’re likely to be able to borrow more if you agree to a longer term. Lastly, we need to know roughly how your credit score is doing. Don’t worry if you don’t have a great credit score right now – while your score could affect the amount you’re able to borrow, we help customers with all types of credit histories and will do our best to find you the right finance deal from our panel of lenders.

Once you’ve completed this information, you’ll be provided with an estimate of how much you could borrow. It’s important to note that this is only an estimate, and you’ll need to complete our online application form for us to find out if you’re eligible, and exactly how much for. Don’t worry, our initial searches won’t show up on any of your credit records.

We can help with different finance arrangements, whether that’s PCP car finance, hire purchase car finance, or a personal loan.

Want more information about car finance?

If you need a hand getting your head around car finance, you’ve come to the right place. Whether it’s bad credit car finance you have questions about, or want to discuss applying for used car finance, our team of experts are here to help.

Guide to car running costs

There are many factors to take into consideration when buying a car. One of the most important factors to account for is the costs associated with running a car. Our helpful guide below gives a sense of the costs involved in keeping a car on the road.

Average running costs of a mid size car over a single year

Annual vehicle tax (VED)£120
Annual car insurance£876
Annual Fuel cost£2,400
Maintenance costs£306
MOT£40
Total monthly cost£250

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