Work out your repayments

  • GMCF is a Vehicle Supplier and a Lender
  • Deposits from 0%
  • Employed, Self Employed or on Benefits
  • UK Car Finance Provider

    Set your budget

    Cash Price


    To pay back over:

    4 years



    Annual Mileage


    Model Year


    Your estimated credit score is:

    A.P.R. Representative %

    Duration 48 Months

    46 Monthly Payments £123.42

    Cash Price £6,000.00

    Cash Deposit £1,000.00

    Total Funded £6,000

    Total Charge for Credit £934.16

    Total Amount Payable £6,934.16

    Best available rate 6.9 %

    Total repayment 15,028.36

    Total cost of credit 1,028.36

    Total Funded 6,000

    24 monthly

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    Best available rate 6.9 %

    Total repayment 230,765.06

    Total cost of credit 28,765.06

    See full

    Representative Example

    Cash Price



    Loan Term

    48 Months
    Total Charge For Credit

    Total Amount Repayable

    48 Monthly Repayments

      Arrangement Fee


    If you are looking for bad credit car finance calculator then take a look at the Get Me Car Finance calculator, giving you results from some of the UKs top car finance funders GMCF can get you car finance from prime lender all the way down to a poor credit car finance lender. 

    It allows our clients to work out based on their current credit situation what the estimated monthly repayments maybe if they enter their desired amount (the amount they want to borrow)  and also an indication as to what credit situation they think they are in. It will then work out what the payments maybe from a car funder.

    Bearing in mind car finance brokers use different lenders for different clients, and here is where a calc may come in handy. We have worked out the rates which can be used from funders from a A1 Credit record down to a poor credit record.  The amounts per month vary quite alot so maybe its best to find out your credit record status before you attempt to apply for car finance. 

    Finding out your credit score may allow you to see items on your record which could be fixed quite quickly and therefore allow you to get better terms with car finance lenders. An example of this would be for people have have been divorced. They can disassociate their credit record from their previous partner which to be honest in a lot of cases has proved to be an absolute winner when it comes to to advice.  Not many people know they can do this :-)

    Why would you use a finance calculator

    Its a valid question and is easy to answer.  Knowing roughly what you may have to pay when it come to car finance, gives you an advantage.  With Prime credit your monthly payments will be alot less than if your credit is poorer.  So if you are setting budgets for yourself, then its good to know what limits you can set for yourself.  And if you know what your credit history is like, Good , Medium or Poor, then you can easily work out what your affordable repayments will be when it comes to finding a car. There is nothing worse than people looking for cars and then finding out they are simply out of their budget and have to settle for a lesser value car and maybe sometimes a larger monthly repayment. 

    Its really important for you to know your credit history and apps like Credit Karma are great tools which allow people to look at and sometimes change their credit records for free.  Its important to know where you stand when it comes to credit, and these tools are free to use for you guys to work out what your budget will be for you new car.

    Buying a car is a significant financial decision for many individuals. For most people, financing is a popular option to make car ownership more affordable. However, navigating the complexities of car financing can be challenging. That's where car finance calculators come into play. In this article, we will explore what a car finance calculator is, how it works, and how it can help you make informed decisions when purchasing a vehicle.

    What is a Car Finance Calculator?
    A car finance calculator is an online tool that helps you estimate the cost of financing a car, including the monthly payments, interest rates, and total repayment amount over a given period. It takes into account various factors such as the purchase price, down payment, loan term, interest rate, and any additional fees or charges associated with the loan.

    How Does a Car Finance Calculator Work?
    A car finance calculator uses a set of mathematical formulas to provide you with accurate estimates based on the input values you provide. The key variables required for calculation are the loan amount, interest rate, and loan term. By adjusting these variables, you can see how they impact your monthly payments and the overall cost of the loan.

    Benefits of Using a Car Finance Calculator:
  • Affordability Assessment: A car finance calculator helps you determine how much you can afford to borrow based on your income and expenses. By adjusting the loan amount and loan term, you can find a balance that suits your budget and financial goals.
  • Comparison Shopping: When buying a car, it's essential to explore different financing options. A car finance calculator allows you to compare various loan offers by inputting the interest rates and terms offered by different lenders. This empowers you to make an informed decision and choose the most favorable financing option.
  • Financial Planning: By using a car finance calculator, you can plan your budget effectively. You can analyze the impact of different down payment amounts or loan terms on your monthly payments. This helps you align your finances and make a well-informed decision that suits your financial situation.
  • Understanding the Total Cost: Car finance calculators not only provide you with monthly payment estimates but also calculate the total repayment amount over the loan term. This enables you to see the long-term cost implications of the loan, including the interest paid, and make comparisons between different financing options.

    Early Repayment Analysis: Some car finance calculators allow you to analyze the effects of making extra payments or paying off the loan early. This feature helps you assess the potential savings and decide if early repayment is financially beneficial for you.

    Car finance calculators are invaluable tools when it comes to making informed decisions about financing a vehicle. They provide a convenient way to estimate the costs associated with car loans, enabling you to compare different financing options, plan your budget, and understand the long-term financial implications. By utilizing these calculators, you can enter the car buying process with confidence, knowing that you have a clear understanding of the financial commitments involved. So, before making a car purchase, take advantage of car finance calculators to empower yourself with knowledge and make a well-informed decision.