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Our PCP calculator provides a fast and reliable way to estimate Personal Contract Purchase monthly payments using trusted lender data. Adjust term, mileage and deposit to generate personalised results based on your chosen vehicle price.
As an FCA regulated, family-run car finance broker with over 18 years of experience, we help super-prime customers secure market-leading PCP rates with no inflated commissions. All guidance is clear, transparent and tailored to your credit profile.
This pcp calculator allows you to explore PCP finance options without pressure or obligation. Once you’re happy with your configuration, you can request a personalised quote from our team to continue the application process confidently.
Using a vehicle price of £25,000 and a deposit of £2,500, the balance to finance would be £22,500, giving monthly payments of £346.31 over 48 months. The final payment based on 5k per annum would be £12,250 with a total amount payable of £31,026.57.
Capital Car Finance Limited is a credit broker and not a lender. Our rates start from 7.9% APR. The rate you are offered will depend on your individual circumstances. 8.9% APR Representative. This is an example only, lender fees may apply. By requesting a quote you agree to our Privacy Policy| Terms of Service
We'll search for PCP offers from our panel of lenders
Your payments could be as low as.
Based on your credit score
This car finance quote is for illustration purposes only and does not constitute a firm & final offer. Rates are set by our lender based on your credit profile. All finance applications are subject are to approval.
We'll search for LP offers from our panel of lenders
Your payments could be as low as.
Based on your credit score
This car finance quote is for illustration purposes only and does not constitute a firm & final offer. Rates are set by our lender based on your credit profile. All finance applications are subject are to approval.
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Apply for credit approval, then go shopping...No effect on your credit scoreIt takes less than 60 secondsFinding your next car shouldn’t be a daunting task, at Capital Car Finance, we do our best to make it an enjoyable journey. Our straightforward 5-step approach takes the stress out of car buying, whilst guiding you every step of the way.
Start your adventure with a risk-free quote that won’t impact your credit score. Our panel of lenders will assess your application to provide you with tailored finance options that suit your individual needs.
With your car finance secured, embark on your car search with confidence! You’ll be paired with a dedicated account manager who will offer you the best quote available. This clarity allows you to budget effectively as you explore your options.
Select your car from any reputable dealer across the country! Should you need assistance in narrowing down choices, just share your preferences with your account manager, and they will promptly send over tailored suggestions to match your taste.
Once you've shortlisted potential cars, we take over by conducting dealer checks and confirming availability. This ensures you're equipped with all necessary information to make an informed decision without hassle.
It’s time for the exciting part – signing the finance documents and hitting the road! With our process it’s easy, convenient, and hassle-free, you'll be driving off in no time!
Start your adventure with a risk-free quote that won’t impact your credit score. Our panel of lenders will assess your application to provide you with tailored finance options that suit your individual needs.
With your car finance secured, embark on your car search with confidence! You’ll be paired with a dedicated account manager who will offer you the best quote available. This clarity allows you to budget effectively as you explore your options.
Select your car from any reputable dealer across the country! Should you need assistance in narrowing down choices, just share your preferences with your account manager, and they will promptly send over tailored suggestions to match your taste.
Once you've shortlisted potential cars, we take over by conducting dealer checks and confirming availability. This ensures you're equipped with all necessary information to make an informed decision without hassle.
It’s time for the exciting part – signing the finance documents and hitting the road! With our process it’s easy, convenient, and hassle-free, you'll be driving off in no time!
This PCP calculator uses the core elements that lenders rely on when assessing Personal Contract Purchase affordability. Vehicle price, deposit, term length and mileage all contribute to the Guaranteed Future Value and overall finance structure.
Higher annual mileage reduces the predicted future value of the car, which makes the balloon payment lower and monthly payments higher. This calculator reflects those changes dynamically so you can compare different mileage selections.
All results shown through this tool are for guidance only and have no effect on your credit score. Once you complete the short quote request form, our team will prepare a personalised illustration based on lender criteria and your credit profile.
This PCP finance calculator helps you work out accurate monthly payments based on the vehicle price, deposit, mileage and term. It provides a clear Personal Contract Purchase illustration so you can understand how PCP works before you apply.
The PCP monthly payment calculation is based on the finance amount, interest rate and the Guaranteed Future Value, sometimes called the balloon payment. Our calculator shows an example of the cost of credit so you can compare different PCP terms instantly.
The balloon payment is the optional final payment at the end of a PCP agreement. This calculator uses mileage and term data to estimate how the future value of the vehicle changes, helping you understand how your predicted final payment is worked out.
This Personal Contract Purchase calculator is designed for customers who want a quick, simple way to estimate PCP costs and explore finance options without a credit check. Results shown are for illustration only and do not impact your credit score.
This PCP calculator helps you estimate Personal Contract Purchase monthly payments quickly and accurately. By entering the vehicle price, deposit, annual mileage and term length, you can compare different PCP loan structures side-by-side before applying.
Personal Contract Purchase finance is based on the difference between the vehicle price and its future value. This calculator uses core PCP variables such as mileage, term and balloon payment estimates to illustrate how your monthly loan payments are worked out.
You can adjust car price, deposit, mileage and contract length to check how PCP loan payments change. The tool gives you instant results so you can compare several cars or budgets before requesting a personalised quote from our team.
This PCP calculator shows how your vehicle price, deposit and balloon value affect your finance amount. It highlights the optional final payment and total payable, helping you understand the full structure of a Personal Contract Purchase agreement.
Higher vehicle prices increase the finance balance and the balloon payment. This calculator updates instantly so you can explore different PCP deals or budgets on new and used cars.
Each estimate is an illustration only, based on lender criteria and typical future value data. It gives you a clear and realistic picture of what your PCP monthly payments might look like before completing a soft search eligibility check.
Many customers use this PCP calculator to compare dealer PCP offers with independent broker options. It provides a neutral way to check monthly payments, interest and overall affordability based on your own data.
Whether you’re buying a new or used car, the calculator adjusts the finance amount, balloon value and PCP payment structure to show realistic and transparent figures.
You can experiment with different vehicle prices and deposits to find a payment that suits your budget. Once you’ve found the right setup, you can submit your details for a personalised quotation.
This PCP calculator helps you plan your monthly budget by providing a clear illustration of expected PCP payments and finance terms. It’s ideal for customers comparing PCP with Lease Purchase or other car finance options.
The calculator estimates your finance amount, final optional payment and total cost of credit. These figures help you understand how PCP loans work across 24, 36 and 48 month terms.
Personal Contract Purchase works differently from leasing because you can own the car by paying the optional final payment. This calculator illustrates how the lease-style lower monthly payment is achieved through a deferred balloon amount.
