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 customers understand how PCP payments are structured with no inflated commissions. All guidance is clear, transparent and tailored to your credit profile.
This PCP calculator lets you explore payment estimates without pressure or obligation. Once you’re happy with your figures, you can request a personalised quote from our team and we’ll confirm the options available.
Use our PCP calculator to estimate monthly payments based on vehicle price, deposit, term and annual mileage. Adjust the figures to see how different choices affect your payment illustration.
This PCP payment calculator helps you model a typical payment structure, including the estimated monthly instalment and an illustrative optional final payment based on your inputs.
PCP payments are influenced by the vehicle price, deposit amount, contract length and agreed mileage. Small changes to mileage or term can meaningfully change the monthly estimate.
Enter your vehicle price and deposit, then choose your preferred term and mileage. Review the estimated figures, then refine your inputs until the illustration matches your budget.
PCP calculator results are an illustration to help you estimate costs before you request a personalised quote.
If you increase the deposit, monthly payments typically reduce. Higher mileage allowances may increase the estimate.
Comparing different terms in a PCP payment calculator is a simple way to balance monthly affordability with overall cost.
For the most accurate figures, use the calculator as a starting point, then request a tailored quote once you are happy with the deposit, mileage and term.
build your quote in just 30 seconds!
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!
