Free calculator
Car finance calculator
Compare PCP and HP monthly payments side by side.
PCP monthly
£671
HP monthly
£987
PCP total payable (inc. balloon & deposit)
£55,217
HP total payable (inc. deposit)
£52,376
Estimates only. Your actual APR depends on your credit profile and the lender.
To calculate car finance payments, take the car price minus your deposit, then spread it over the term at the APR. PCP defers a balloon payment to the end, which lowers the monthly cost. HP spreads the whole amount, so you own the car outright at the end.
Get a real valuation for your car
Calculators give estimates. Specialist buyers give real offers.
Frequently asked questions
Is PCP or HP cheaper?
PCP has lower monthly payments because a large final balloon payment is deferred, but HP usually costs less in total interest and you own the car at the end.
What APR should I expect on car finance?
Rates vary with your credit profile and the lender. Compare real quotes from several lenders through Car Finance Match.
Does this calculator affect my credit score?
No. It's an estimate run in your browser, so no credit check is made.
Official partner
Sold your car? Find the right finance for your next one.
Car Finance Match helps UK drivers compare PCP, HP and lease options from a panel of lenders — so the money from your sale goes further on the car you buy next.
Compare car finance dealsCompare PCP, HP & leasing
See options side by side before you commit.
Soft-search eligibility
Check your chances without affecting your credit score.
Built for premium cars
Finance for the £20k–£200k+ cars our sellers trade into.
Some cars deserve more than a generic offer.
Enter your reg and see what specialist buyers would pay — before the open market.
Get my private offer