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Currency
£
$
€
PCP
Personal Contract Purchase
HP
Hire Purchase
PCH
Personal Contract Hire
Vehicle Price
?
The total on-the-road price of the vehicle including VAT.
Deposit
?
Initial payment to reduce the amount financed. Typically 10-20% of vehicle price.
%
£
Term (months)
?
Length of the finance agreement. Longer terms have lower payments but higher total cost.
24 months (2 years)
36 months (3 years)
48 months (4 years)
60 months (5 years)
APR (%)
?
Annual Percentage Rate including all fees. Representative APR shown, actual rate depends on credit score.
Balloon Payment (GMFV)
?
Guaranteed Minimum Future Value - the optional final payment to purchase the vehicle at end of contract.
%
£
Annual Mileage
?
Agreed annual mileage limit. UK average is 8,000-12,000 miles/year.
5,000 miles
8,000 miles
10,000 miles
12,000 miles
15,000 miles
20,000 miles
Custom
Custom Annual Mileage
Excess Mileage (p/mile)
?
Pence per mile charged if you exceed the agreed mileage. Typically 5-15p/mile.
Initial Rental (months)
?
Upfront payment expressed as number of monthly rentals.
1 month
3 months
6 months
9 months
12 months
Annual Mileage
?
Agreed annual mileage for the lease contract.
5,000 miles
8,000 miles
10,000 miles
12,000 miles
15,000 miles
Part Exchange & Extras
+ More Options
Part Exchange Value
?
Trade-in value of your current car. Reduces the amount to finance.
Outstanding Finance
?
Settlement figure for any existing finance on your trade-in vehicle.
Include GAP Insurance
?
Guaranteed Asset Protection covers the gap between insurance payout and finance owed if car is written off.
GAP Insurance Cost
Include Maintenance Package
?
Monthly maintenance package covers servicing, tyres, and repairs.
Monthly Maintenance
Running Costs Analysis
+ Show Options
Annual Insurance
?
Estimated annual motor insurance cost. UK average: £400-£800.
Annual Road Tax (VED)
?
Vehicle Excise Duty. Depends on CO2 emissions and fuel type.
Monthly Fuel/Charging
?
Estimated monthly fuel or electricity costs for your driving.
Annual Servicing/MOT
?
Annual service and MOT costs. MOT required after 3 years.
Compare Finance Options
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Compare different finance scenarios side by side.
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Finance Calculation Results
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PCP
Personal Contract Purchase
£0
Monthly Payment
Description
Amount
Payment Breakdown
Finance Summary
Balance Over Time
Total Cost of Ownership
Payment Schedule
Annual
Monthly
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Card
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Table
End of Contract Options
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