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Car finance calculator

Looking for Hire Purchase (HP) car finance? Try our handy car finance calculator before you apply.

Estimate your monthly finance payments

Find the right HP finance deal for you with fixed, monthly payments to suit your budget.

Estimates are based on a representative APR of 11.9%. To get a personalised APR, use our car finance checker.

If you're planning to part exchange your car, consider its value in your deposit.

Choose length of contract

We work with Black Horse who are a lender and Evolution Funding who are a broker to find you competitive finance all online.

Estimated payments

These estimates are subject to credit checks and may change when you apply for finance.

Hire Purchase (HP)
APR 11.9%

48 monthly payments of


Total charge of credit
Total amount payable
Personal Contract Purchase (PCP)

This calculator is for HP finance only. To estimate your monthly payments for PCP finance, simply find a Cazoo car and scroll down the car’s details page. You’ll see the calculator under ‘Flexible finance options’.

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Delivery charges, optional extras and our admin fee are not included in your finance agreement and must be paid separately at the time of purchase.

Check your eligibility before you apply

See your likelihood of being accepted before applying with our car finance checker. You can also browse cars suited to your monthly budget and likely personal APR.

How financing a Cazoo car works

  1. Find your Cazoo car

    Browse our wide range of great value used cars that are available to buy or finance.

  2. Choose your deal

    Apply for finance online. You can also part exchange your old car and lower your monthly payments.

  3. Get approved

    Pay a deposit and sign all documents online. Then choose to collect your car or have it delivered.

Car finance made simple

Apply for finance, pay your deposit and sign your agreement entirely online. Then choose home delivery or collection from a Customer Centre at a time that suits you, any day of the week.

You can also choose to part exchange your current car to lower your monthly costs. If your car is on finance, we’ll still take it off your hands. 

Part exchange your car before your finance ends

HP or PCP - which is right for you?

Both Hire Purchase (HP) and Personal Contract Purchase (PCP) allow you to pay for your car in monthly payments over an agreed period, with a fixed rate of interest. Watch our video to learn about the key differences.

Why choose Cazoo?

  1. Competitive rates

    APR from as low as 11.9% representative.

  2. Quick & easy

    Fully online and a decision within minutes.

  3. Spread the cost

    Monthly payments that fit your budget.

  4. Finance options

    HP or PCP finance deals available.

Our partners

We work with finance lenders, including Black Horse, to find you competitive finance all online. We also work with Evolution Funding, who are a broker.

  • Black Horse

    Black Horse, part of Lloyds Banking Group, is one of the UK’s leading providers of car finance and has helped over 200,000 customers find motor finance.

  • Evolution

    Evolution Funding has been named ‘Best Broker’ at the Car Finance Awards for seven years running and works with a panel of lenders, including Santander.

Popular questions about car finance

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Find your next car on finance

Choose from a wide range of great value used Cazoo cars available to buy or finance online.

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