Car Finance Calculator
Compare Hire Purchase, PCP, and personal loan options side by side. Adjust the vehicle price, deposit, term length, and interest rate to find the right deal for your budget.
Finance Calculator
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Finance Options Comparison
HP (Hire Purchase)
You own the car at the end. Fixed monthly payments.
€439
per month
Total Cost
€23,052
Total Interest
€3,052
PCP
Lower monthly payments with a balloon payment at end. Option to return, exchange, or buy.
€332
per month
Total Cost
€23,931
Total Interest
€3,931
Balloon Payment
€6,000
Personal Loan
You own the car outright from day one. Often slightly higher rate.
€451
per month
Total Cost
€23,665
Total Interest
€3,665
These are estimates only. Actual rates may vary. Always seek independent financial advice.
Finance types explained
Hire Purchase (HP) — You own the car at the end. Fixed monthly payments over the term. Simple and straightforward.
Personal Contract Purchase (PCP) — Lower monthly payments. A balloon payment (GMFV) at the end if you want to keep the car, or hand it back. Good for those who change cars regularly.
Personal Loan — Borrow a fixed sum from a bank. You own the car outright from day one. Rates vary by lender and credit profile.
Figures shown are illustrative estimates. Always confirm exact terms with your lender.