Use our handy finance calculator

Finance Calculator

Enter below how much you would like to pay per month and we'll show you cars in your price range.

OR

To see how much your monthly payments would be based on the price of a car, fill out the details below.

The payments on our used car calculator may vary depending on the amount of deposit, fees, charges, credit rating, advance and duration of payments. The written finance quote which you will receive when you call or visit our branches will vary depending on your individual credit rating. All finance is subject to status and guarantor may be required. Terms and conditions apply.

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Have you been unlucky getting finance or had previous credit problems?

Has the road to getting finance been a bumpy one? Whether you have not got enough credit history, have missed a payment in the past, have a poor credit score or have been unlucky getting finance for a car before, we can help.

Click here to find out more about applying for car finance.

Alternatively, give our specialists a call, fill in the form above or come in to any of our branches.

At Bridgend Group we can help you with finance for your car purchase. As we are an independent family owned company we have the flexibility to deal with a wide variety of approved finance companies and source the best used car finance deal for you.

  • Fixed rates, not variable
  • Low rates
  • Outstanding finance settled
  • Negative equity settled within your deal
  • Cash back
  • Hire Purchase
  • Guaranteed future value deals available
  • Personal Contract Purchase
  • Low or no deposit
  • Personal loans
  • Deferred payments, buy now pay later

Use our car finance calculator to work out your monthly payment or enter the value of the car you want and we will calculate your monthly payments.


Finance Options Explained

Bridgend Group Ltd offer two main types of finance package - "traditional" HP and Personal Contract Plan (PCP).

Traditional HP

With traditional HP you borrow the amount required to purchase a car, fixed repayments are then made over an agreed period of time. At the end of the agreed term there is no balance owed and you own the vehicle.

Car Finance Calculator - Traditional HP

Personal Contract Plan

With PCP, you are offered a guaranteed future value for your new car and borrow only the difference between the cost price and this amount. At the end of the term you can pay the balance and keep the car, or return the vehicle or part exchange it for a newer one! Because of the smaller loan amount, PCP deals generally work out to have lower monthly repayment options and guaranteed future value eliminates risk of negative equity and protects against deprecation. PCP is ideal for people who like to change their vehicle regularly.

Car Finance Calculator - Personal Contract Plan
Representative example
EXCELLENT credit rating
Cash Price: £11,000
Deposit: £1,000
Monthly Payment: £206.93
Term: 60 months
APR: 9.89%
Option to purchase fee: £299
Total charge for credit: £2,714.80
Total amount payable: £13,714.80
Representative example
AVERAGE credit rating
Cash Price: £11,000
Deposit: £1,000
Monthly Payment: £216.25
Term: 60 months
APR: 11.89%
Option to purchase fee: £299
Total charge for credit: £3,274
Total amount payable: £14,274
Representative example
BAD credit rating
Cash Price: £3,995
Deposit: £250
Monthly Payment: £124.25
Term: 48 months
APR: 29.92%
Option to purchase fee: £299
Total charge for credit: £2,518
Total amount payable: £6,513

Licensed credit broker. Written details on request