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HP and PCP finance calculator
Compare estimated monthly payments using your own vehicle price, deposit, term and representative APR.
How HP works
HP normally spreads the amount borrowed and interest across equal monthly payments. You usually own the vehicle after the final payment, subject to the agreement.
How PCP works
PCP monthly payments are usually lower because part of the vehicle value is deferred to an optional final payment. At the end you may return, exchange or keep the vehicle under the agreement terms.
This calculator is an illustration, not a quotation or financial advice. It excludes fees, mileage charges and lender-specific terms. MotorHarbour is a vehicle advertising marketplace and not a lender or credit broker.