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Introducing Our New Used Car Finance Calculator

Andrew Maddocks

by Andrew Maddocks

Jul 29, 2025

Introducing Our New Used Car Finance Calculator

Introducing Our New Used Car Finance Calculator

Buying a used car is an exciting experience, but working out how much you can afford each month can sometimes feel overwhelming. That is why we are proud to launch the brand-new Stebbings Used Car Finance Calculator — a simple online tool designed to give you instant clarity on your potential monthly payments, tailored to your budget and preferences.

Whether you are shopping for your first car, upgrading your vehicle, or comparing finance options, our finance calculator takes the guesswork out of the process. Here is everything you need to know about how it works, why we built it, and how it helps you buy your next used car with confidence.

 


 

1. What Is a Used Car Finance Calculator?

A used car finance calculator is an online tool that estimates your monthly finance payments based on a few simple inputs. It helps you plan your budget by showing what your repayments might look like before you commit to a specific finance deal.

Our calculator allows you to:

  • Choose a deposit amount
  • Select your preferred repayment term (e.g. 24, 36, or 48 months)
  • Adjust your interest rate assumption
  • Instantly see your estimated monthly cost  

It works for Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements, giving you full visibility of what each option would mean for your finances.

 


 

2. Why We Built It

At Stebbings, we are committed to making used car buying easier, faster, and more transparent. Over the years, we’ve spoken to many customers who told us that they wanted to better understand how car finance works — and most importantly, what they could realistically afford each month.

We created this calculator because:

  • Customers want to plan ahead without pressur
  • Budgeting is a key part of responsible car buying
  • Comparing monthly costs helps identify the right deal
  • Transparent information builds trust and avoids surprises

Now, with just a few clicks, you can get a clear picture of your likely monthly repayments and make informed decisions before speaking to our team or applying for finance online.

 


 

3. How to Use the Stebbings Car Finance Calculator

Using the calculator is easy and takes less than a minute. You can access it directly from our vehicle pages or finance section. Here’s how it works:

Step 1: Enter the Vehicle Price
Start by entering the price of the car you are interested in. This could be a specific car from our used stock, or a general budget if you are still browsing.

Step 2: Choose Your Deposit Amount
Input how much you would like to put down as a deposit. This could be anything from zero deposit to a significant upfront contribution, depending on your situation.

Step 3: Select a Finance Term
Choose your preferred term length — usually 24, 36, 48, or 60 months. Longer terms result in lower monthly payments, but you may pay more interest overall.

Step 4: Adjust the Interest Rate (APR)
Use the slider or enter a rough interest rate. If you are unsure, the calculator provides a default APR based on typical used car finance deals.

Step 5: View Your Monthly Payment Estimate
The calculator will instantly display your estimated monthly payment. You can tweak the variables until you find a monthly figure that fits your budget.

Step 6: Next Steps
Once you are happy with the estimated figures, you can:

  • Apply for finance online
  • Contact our team for a personalised quote
  • Reserve the vehicle online while your finance is arranged

It is free to use, does not require any personal details, and will not affect your credit score.

 


 

4. How Accurate Is It?

Our finance calculator is designed to give you a realistic estimate based on typical used car finance terms. While it cannot guarantee exact figures until you apply, it gives a close approximation of what you can expect.

Once you apply for finance, we will work with our panel of lenders to secure the best deal for your circumstances. Your actual offer may differ slightly depending on:

  • Your credit profile
  • The lender’s assessments
  • The specific vehicle
  • The length of term and deposit paid

Even so, the calculator gives you a reliable starting point to understand what is achievable and within budget.

 


 

5. Key Benefits of Using Our Finance Calculator

There are several reasons why we recommend using our new finance calculator before committing to a car purchase:

Understand Affordability
By adjusting the car price, term, and deposit, you can easily see what monthly payments will look like — and avoid overstretching your finances.

Compare Finance Types
You can simulate both HP and PCP scenarios to find out which works best for your needs.

Quick Budget Planning
If you are saving for a deposit or want to explore zero-deposit finance, you can plan ahead by testing different payment combinations.

No Pressure, No Salespeople
There is no need to speak to anyone if you do not want to — the calculator is designed for self-service budgeting and exploration.

Save Time on Applications
Once you find a payment estimate that works for you, you are ready to apply online or speak to our team with confidence.

 


 

6. What Finance Options Can the Calculator Help With?

The calculator is tailored to work with the most popular types of used car finance in the UK:

Hire Purchase (HP)
HP spreads the cost of the vehicle evenly across monthly payments. Once the final payment is made, the car is yours.

Personal Contract Purchase (PCP)
PCP offers lower monthly payments but includes a balloon payment at the end if you want to keep the vehicle. The calculator lets you simulate both monthly costs and the optional final payment.

Whether you prefer outright ownership (HP) or flexibility to upgrade regularly (PCP), our calculator helps you visualise the financial journey from start to finish.

 


 

7. Can You Still Use the Calculator with Bad Credit?

Yes. The calculator is available to everyone, regardless of credit history. Even if you have previously been declined for car finance or have a low credit score, the tool is still valuable for planning your options.

Keep in mind that if you apply and are approved for bad credit car finance, the actual interest rate may be higher than the one shown in the default setting. Still, it helps to understand the monthly impact of different terms and deposit amounts.

 


 

8. Try It Today and Take the First Step Towards Your Next Car

We built the Stebbings finance calculator to empower you with better knowledge, clearer figures, and full transparency. It is the perfect first step before applying for car finance or choosing your next vehicle.

Try it today and:

  • Plan your budget
  • Understand your options
  • Explore different deposit levels
  • Get finance-ready in just a few clicks

The calculator is live now on all our used car pages and accessible via our Finance section. If you need help or want a tailored quote, our team is ready to guide you.

Buying a used car should feel exciting, not stressful. With the right tools and support, Stebbings makes finance easy, fair, and tailored to you - every step of the way.


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Hamlin Way, Hardwick Narrows, Kings Lynn, United Kingdom, PE30 4NG

Reg. Company Number: 04635016

VAT Reg. No. GB808521830

Registered in England and Wales

Phone Number - 01553 661661

Service Email - service@stebbings.co.uk

Sales Email - sales@stebbings.co.uk

Company Info

Stebbings Car Centre Limited t/a Stebbings Car Superstore is authorised and regulated by the Financial Conduct Authority. FRN 679281. We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. We may receive a commission for introducing you to a funder. If we do this will be based on a fixed % of the advance and the amount will be communicated to you before you enter into an agreement. Stebbings Car Centre Limited t/a Stebbings Car Superstore is an Appointed representative of AutoProtect (MBI) Limited FRN 312143 authorised and regulated by the Financial Conduct Authority. Our permitted business is arranging general insurance and finance contracts.

You can check this on the FCA Register www.fca.org.uk

We are a totally independent credit broker, we have a wide range of providers, which we will introduce you depending on your needs or circumstances. We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. We are a credit broker, not a lender. We can introduce you to a carefully selected panel of lenders. If you would like to know what the commission payable on your contract please ask your account manager or email sales@stebbings.co.uk
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