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PCP Finance Calculator

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PCP/HP FINANCE
PART EXCHANGE

How our PCP Car Finance Calculator Works

To find out what you could pay each month, enter the full price of the new car, the deposit, and how long you want to borrow for. Remember, this is an estimate based on the information you provide. Please verify the ‘Final Payment’ details with a Motorfinity expert.

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Enter the price of the vehicle.
Enter your total deposit amount.
Enter the term length in months.
Enter the annual percentage rate.
Enter the final payment amount.

Personal Contract Purchase

Monthly repayments, term, APR, and other financial details will be displayed here.

PCP Representative Example:

You could borrow £13,000 over 48 months with 48 monthly repayments of £305.49. Total amount repayable will be £14,673.52 (including £10.00 purchase fee). Representative 6.2% APR, annual interest rate (fixed) 6.00%.


What is PCP Car Finance?

PCP (Personal Contract Purchase) is a flexible car finance option where you pay an initial deposit, followed by monthly payments covering the car's depreciation. At the end of the term, you can either pay a final sum to own the car, return it, or trade it in for a new model.

Read more about car finance? Read more about PCP vs HP car finance? Read more about buying vs leasing a car? Read more about electric car finance?
How is PCP car finance calculated?
PCP is calculated based on an initial deposit, monthly payments covering the car’s depreciation, and an optional final payment (balloon payment) to own the car.
What is the difference between PCP and HP Car Finance?
PCP offers lower monthly payments and flexibility at the end but does not guarantee ownership. HP payments are higher, but you own the car outright at the end
What credit score do you need for PCP finance?
A good to excellent credit score is ideal, but those with lower scores may still qualify with higher interest rates or a larger deposit.
Can you end your PCP finance Early?
Yes, you can end it early by returning the car if you’ve paid 50% of the total amount, or by settling the remaining balance.

PCP Car Finance for NHS and Key Workers

At Motorfinity, we provide exclusive PCP car finance deals for NHS, Military, Police, and other key workers. Enjoy tailored finance solutions with competitive rates and excellent service.

NHS Car Finance Key Workers Car Finance
172.71.222.205

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