This car finance calculator is for illustration purposes only. The interest rate that you receive from your motor finance provider, or the fees they may charge can vary significantly depending upon your circumstances. If you have a poor or bad credit you are deemed to be a higher risk to the lender, hence the reason for higher monthly payments. Motor Finance Scotland is a finance broker and arranges finance with lenders on our client’s behalf. Motor Finance Scotland does not provided loans and cannot directly calculate the exact cost of your loan. This tool is only a rough indicator to help users check potential affordability. Credit is subject to the discretion of the lender, is subject to status and is not guaranteed. Warning: Late repayment can cause you serious money problems. For help go to

Representative Example

Annual Interest Rate (fixed) 12.9% p.a., with a representative 12.9% APR, total amount of credit £7,500, deposit of £0, repaying over 47 monthly payments of £198.06 followed by 1 payment of £208.06, total cost of credit is £2006.88*, total amount payable is £9516.88. Motor Finance Scotland Limited is an appointed representative of Creditas Financial Solutions, we are a credit broker and not a lender.