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AA Car Finance is provided by Evolution Funding Ltd.

Car finance calculator

Figure out your monthly finance payments quickly and easily

Credit ratings explained

Excellent
  • You are a home owner
  • You have been on the electoral roll for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed
Good
  • You are on the electoral roll
  • You are a home owner or long standing-tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs
Fair
  • You are or have recently been on the electoral roll
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Illustrative example

Subject to credit score
Total repayment of
APR of
Representative example:

Borrowing at a representative APR of 12.9%, annual interest rate (fixed) 12.9%, monthly payments of £170.88 followed by 1 payment of £180.88, total cost of credit is £2,762.80, total amount payable is £10,262.80.

*The representative example includes an estimated option to purchase fee of £10. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter. This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status.

About our car finance calculator

Designed to give you an idea of all the options available to you, our car finance calculator puts you in control. It instantly shows how to increase or reduce your monthly repayments to suit your circumstances, by adjusting the term of the loan.

Use our car finance calculator either to find out the monthly repayments for a fixed amount you want to borrow, (particularly useful if you’ve already found the car you want to buy), or work it out based on the monthly instalments. If you know you have a fixed, maximum amount to spend each month on car repayments, simply enter your monthly budget into the car finance calculator and we’ll give you an idea of the maximum you can borrow for your next car. Search for a car now.

As you can see when you use our car finance calculator, your monthly repayments will be lower if you decide to repay the loan over a longer period. If you need a short-term loan and want to pay it back quickly, the monthly repayments will obviously be higher.

Once you know your credit score you can use our car finance calculator to get an approximate idea of the APR you could qualify for, and how this affects the monthly repayments. Your credit score determines the APR you can get and this is factored into our car finance calculator. Simply select from the five options to confirm your personal circumstances – choose from Poor, Bad, Fair, Good or Excellent.

Contact us

If there's anything you'd like to discuss, just call or email.

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01246 458 809

[email protected]
We're here Monday to Friday
8:30am to 7:30pm
Saturday and Sunday
9:00am to 5:00pm

FAQs

Answers to some of the most common questions.

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Breakdown offer Terms and Conditions

Evolution Privacy Policy
AA Cars Privacy Notice
Customer terms & conditions
AA Car Finance and AA Cars are trading names of Used Car Sites Limited (registered in England and Wales number 4546950), a credit broker not a lender. Used Car Sites Limited is an appointed representative of AA Financial Services Limited (AAFS) for credit broking purposes. AAFS is authorised and regulated by the Financial Conduct Authority, Financial services register number 727859. Both these companies are members of the AA Limited group of companies and are registered at Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. AA Cars introduces AA Car Finance customers to Evolution Funding Limited. Evolution Funding Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 823324). Registered address: Thompson Close, Whittington Moor, Chesterfield, Derbyshire, S41 9AZ. Evolution Funding Limited and Used Car Sites Limited are credit brokers not lenders. Evolution Funding Limited is only able to offer a range of finance products from a group of carefully selected credit providers, which may be suitable for you and they will explain the key features of these products to you. AA Cars receives payment from Evolution Funding for introducing you to them. The amount AA Cars receives does not impact the amount that you pay the lender or the interest rate you are offered. The payment received is based on a fixed fee or a percentage of the amount you borrow, varying by lender, the amount you borrow and the term the loan is borrowed over. AA Cars will not charge you any fee for our services. Finance subject to status. Terms and Conditions apply. A guarantee may be required. Over 18’s only. PLEASE ENSURE YOU CAN AFFORD THE REPAYMENTS FOR THE DURATION OF A LOAN BEFORE ENTERING INTO A CREDIT AGREEMENT.

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