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Work out your credit rating

You can use our car finance calculator to get a quick estimate of how much your car will cost by simply entering the amount you want to borrow, the loan period, and selecting a credit score that you feel reflects your present status. Remember, the car finance calculator is only a guide and you can still apply for car finance, regardless of the credit score you choose.


If you select an excellent credit rating, you can expect to be offered a car finance deal with an attractive APR. To achieve an excellent rating you will have a flawless credit history, meeting all your loan repayments on time and keeping up to date with your mortgage and credit card bills. You’ll have lived at your present address for a long time and your name will appear on the electoral role.


Perhaps not quite as perfect a credit record as the one above due to one or two late or missed payments previously, but with a ‘good’ credit score you can still expect to be offered a very competitive loan deal – as indicated by our car finance calculator. You will appear on the electoral register and have lived in your present home for a good number of years.


Rate your credit score as ‘average’ if you have a record of making late payments on your mortgage or have exceeded your credit limit on occasion. You may also have one or two County Court judgements against your name and moved home regularly in recent years. With this credit rating, you can expect to pay more interest on your loan, based on your record and debt levels compared to present income.


A poor credit score suggests that you may have defaulted on a previous loan and frequently exceeded your credit limit. You may also have been declared bankrupt in the past and/or had County Court judgement against you. You can still apply for car finance with a poor credit score, but you are likely to pay a higher APR than any of the above scores.


It maybe possible to get car finance with this credit score, lenders will consider you high risk. If you are offered a loan the APR will be high.