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Terms and Conditions:
This example is for a Hire Purchase Agreement.
I confirm that I have read and understand the following, and that in doing so provide permission for ZAP Loans to undertake a credit search and provide my information to their panel of lenders. I understand that this may register as a credit search against my name.
- I have read the Initial disclosure document (IDD) available online
- I consent to a credit search being conducted
- I understand the following
- The credit search relates to a hire purchase product which does not have any mileage restrictions; however, a balloon product is also available – please call to discuss
- Subject to balance financed, the agreement would be protected by the Consumer Credit Act (CCA)
- I tend to be the registered keeper of the vehicle and would hold fully comprehensive motor insurance during the length of the agreement
- I understand that the vehicle is at risk of repossession if the contractual repayments are not maintained
By proceeding to obtain a quote, you confirm that you have independently chosen the appropriate term of agreement , are comfortable with the suggested repayments and agree to the above statements. Copies of the relevant documentation, to include the IDD, Product Explanations and Overview have been provided to your email address in a durable medium
How do I use the car finance calculator?
- 1.
If you already know how much you’d like to borrow, drag the slider from left to right until you hit that amount
- 2.
Decide how long you’d like to have to pay back the loan – this is known as the ‘loan term’
- 3.
Select the credit score profile that best suits your financial circumstances from the drop-down menu. You can choose from Excellent, Good, Fair, or Bad
- 4.
Change both fields until you reach an estimated monthly payment amount that works with your budget
If you have a fixed budget in mind, the car loan calculator can still work for you. Just change the amount to borrow and loan term until you land on the figure that you’re comfortable with.
Please keep in mind that the calculator is designed to give you an estimate of your monthly car loan repayments. The amounts mentioned could vary based on your individual circumstances, the vehicle you choose to buy, and the lender that approves your finance application.
How it works
Straight Forward Vehicle Finance
Give us some basic details and we will do the rest. No credit card required!
Whether you already have a car in mind, or want to use our bespoke sourcing service – we have you covered.
Our quick personal service means you can drive away faster than ever.
Frequently asked questions
How much a month should I pay for a car?
The amount you should pay for a car each month depends on your personal situation, affordability, the car you want to buy, and how long your loan term will be. Consider how much you can comfortably afford to spend on your car payment and ensure you have enough spare cash left to cover extra costs like insurance, tax, fuel, and maintenance.
You can find our useful guide on calculating how much you can afford to pay each month, here
