Paste in the numbers from a car finance quote and see the real cost: estimated APR, total interest, balloon risk and whether a normal loan may be cleaner.
Use the figures from the finance quote. Optional fees can be added into the car price or left as zero.
This is an estimate for comparison, not financial advice. Real agreements may include fees, credit-profile pricing and lender-specific APR rules.
The APR below is solved from your inputs using the cashflows, not copied from the advert.
The calculator will show whether the PCP looks clean, expensive, or potentially painful.