Finance calculator
What would it cost?
Move the sliders to explore how amount, term and credit profile affect your payment. This is an illustration, your actual rate depends on your circumstances.
Estimated monthly
£632.86
- Total payable
- £30,377.50
- Cost of credit
- £5,377.50
- Fixed APR
- 9.9%
Illustration only. Example based on borrowing £20,000 over 48 months at 9.9% APR fixed, with 48 monthly payments of £506.29 and total amount payable of £24,301.92. Rates from 9.9% APR, subject to status, affordability and lender criteria. Your actual rate may differ.
Credit Profiles Explained
How credit affects your rate
Lenders look at your credit history to assess risk. At Fynex, we compare options from selected lenders that cater to different profiles, which helps us identify rates available for each category.
Excellent credit profile
A long history of on time payments, low credit utilisation, and a clean credit record may help you access stronger lender terms.
Good (typically around 11.9% APR)
Generally solid payment record with minor issues or limited recent borrowing history. Typical of most prime consumer agreements.
Fair (typically around 14.9% APR)
Some missed payments or higher existing debt levels may narrow the available options, but selected specialist lenders may still be able to assess the case.
Finance Examples
Example Finance Figures
To give you a clear view of costs at various borrow amounts and terms, we have detailed example structures below using 9.9% APR fixed:
| Amount | Term | APR | Monthly | Total Payable |
|---|---|---|---|---|
| £10,000 | 36 mos | 9.9% | £322.20 | £11,599.20 |
| £20,000 | 48 mos | 9.9% | £506.29 | £24,301.92 |
| £30,000 | 48 mos | 9.9% | £759.44 | £36,453.12 |
| £50,000 | 60 mos | 9.9% | £1,059.89 | £63,593.40 |
Note: These figures are illustrative examples. The actual rate and payment terms depend entirely on your individual circumstances, credit score, vehicle age, and lender approval.
Ready to talk numbers?
No obligation and no hard sell. Just a clear conversation about the car and the figures.