Bad Credit Car Finance Calculator

Loan Amount
Loan Amount



29 months


Representative example – Total amount of credit £4750, annual interest rate 25% (fixed), charge for credit £3572.48 (£3562.48 interest charged and £10 option to purchase fee), total amount payable £8322.48, 36 monthly instalments of £231.18. 49.6% APR Representative. – Subject to status & affordability.


Car Loan Calculator

Here at Go Car Credit we are specialists in bad credit car finance. We aim to help you find an affordable car that suits your needs, even if you have had bad credit in the past.

Our Car Finance Calculator is easy to use. Simply use the online sliders to select the amount you need (up to £10,000) and for how long (up to 48 months), and our loan calculator will provide you with the approximate monthly repayment amount.
There are no hidden fees or additional extras. If you’re not comfortable with the amounts shown, you can simply alter the sliders to find a monthly payment amount that you are happy with and can afford.


• The tool is for illustrative purposes only. It is not a quote or an offer of finance.

• The finance offers available will depend upon factors such as the vehicle being financed, your personal circumstances and our lending policies.

• Our finance products are only available via selected dealers.

• To obtain an exact finance quote, please make an application for finance with us.

• All lending is subject to status checks and an affordability assessment.


Want more information about car finance?

Visit our Bad Credit Car Finance page for more information on how we could help you secure the finance you need for you next car purchase or our How Our Finance Works page to understand more about our car finance process.


Hire Purchase Car Finance

Hire Purchase (HP) is a way to pay for a vehicle without paying the full amount up front. You hire the vehicle and make fixed monthly repayments until you have paid off all of the agreed finance. The entire car price is spread across your agreement term and once all monthly payments have been made the car becomes yours.

You would be the ‘registered keeper’ of the car and would be responsible for insuring and maintaining it but Go Car Credit would remain the legal owner until all payments have been repaid in full.

What’s next?

Now you have a good idea of your budget the next step is to make an application for finance with us. Apply today in less than 2 minutes!

We would suggest you think about the costs associated with your choice of car such as fuel, insurance, tax, MOT, servicing and maintenance costs, as these will all have an influence on the affordability of the vehicle. The finance is secured on the vehicle, so if you don’t keep up with the monthly repayments, Go Car Credit can repossess the car. Failure to make payments can also affect your credit report.