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Asset financeLast updated: 15 Jul 2026
Business car finance calculator
Looking to fund your next company car? Our business car finance calculator shows instantly how much your business could borrow for a car and what the monthly repayments would look like, before you apply for funding.
And if you’re ready to apply for business car finance, you can search and compare multiple lenders with Capitalise today.
Car finance calculator
Estimate your car loan repayments instantly. See how much you could borrow, what your monthly payments might be, and the total cost with interest. Fast, simple, and perfect for planning your next vehicle purchase.
Car finance calculator
Title
What is the cost of the car?
£25,000
Interest rate
Typical car finance loan rates range from 7% - 19% APR depending on the duration, amount and lender.
Car finance breakdown
Loan amount
£ -
Total interest amount
£ -
11% APR over 3 years.
Total repayment amount
£ -
Total monthly repayment
£ - / month
Not sure what your business can afford?
Sign up to check your affordabilityCapitalise is trusted by 200,000+ UK businesses
£2bn in funding approved
Regulated by the FCA since 2016
130+ UK business lenders
Powered by Experian business credit data
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How does the business car finance calculator work?
You can get an estimate in under a minute. Here is how it works.
Once you have a figure in mind, apply for car finance to see real quotes from our lenders.
How much could my business borrow for a car?
How much you can borrow depends on the price of the vehicle, your deposit, the repayment term, interest rate and your business credit score. As a guide, on a £25,000 vehicle with a 10% deposit (£2,500), here is what the repayments could look like at a rate of 11% APR.
Repayment term | Monthly repayment | Total repayment | Total interest |
|---|---|---|---|
1 year | £1,989 | £23,863 | £1,363 |
2 years | £1,049 | £25,168 | £2,668 |
3 years | £737 | £26,518 | £4,018 |
5 years | £489 | £29,352 | £6,852 |
10 years | £310 | £37,193 | £14,693 |
A longer term brings your monthly repayment down, but you will pay more in total interest over the life of the deal. Your actual rate will depend on your business credit score, how established your business is and which lender you are matched with. For example, on the same £25,000 vehicle over 3 years, a rate of 7% APR would bring your monthly repayment down to around £695, while a rate of 19% APR would push it up to around £825. If you want a more accurate number based on your own business, search for funding with Capitalise.
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What affects your business car finance rate?
A few key factors influence the rate and the amount you are offered.
Lenders use these details to work out the risk of lending to your business, so a stronger credit profile and a larger deposit will usually get you a better rate.
What types of business car finance can I use this calculator for?
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Finance lease
Pay to use the car over an agreed period, with the option to extend, return or buy it at the end.
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Hire purchase
Pay a deposit then fixed monthly instalments. You own the car once the agreement ends.
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Operating lease
Similar to a finance lease, but often includes maintenance and servicing in the price.
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Contract hire
A fixed monthly rental for an agreed term and mileage, with the car returned at the end.
Looking for something else? Try our other loan calculators
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Looking for car finance?
Get an instant estimate of how much you could borrow above, then apply for car finance and compare quotes from our panel of UK lenders.
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