Repayments and APR
See how the amount borrowed, interest rate and term affect estimated repayments and total cost.
Read about payments and APR →Tools & resources
Resources that make the numbers clearer
Use these focused explanations to understand the inputs, limits and questions behind common car finance calculations.
Affordability
Build a fuller view of a car budget alongside household commitments and vehicle running costs.
Understand affordability →Settlement figures
Compare a current settlement figure with a realistic vehicle valuation and identify possible equity or a shortfall.
Read about early settlement →Depreciation and negative equity
Understand why changing vehicle value can matter when changing or settling an agreement.
Understand negative equity →PCP end-of-term choices
Review the return, keep and change options before a PCP agreement ends.
Review PCP end options →Choose your next step
Use the guides before moving to finance options
Take time to understand the agreement before moving into the separate finance-options journey.