The simple way to get an indicative quote

Father and daughter smiling in a park

Our handy finance calculator below will help you understand what the cost of borrowing might look like on our Hire Purchase and Personal Contract Purchase agreements.

Who should use the finance calculator?
Our finance calculator is the perfect place to start your journey if you are exploring finance options for your next car, caravan or motorcycle. The finance calculator is designed to help you understand the finance options provided by Black Horse. It is for illustrative purposes only and is not a quote or offer of finance. Black Horse is available at selected dealers and finance offers depend upon factors such as the vehicle being financed, your personal circumstances, our lending policies and the finance options provided by your chosen dealer.

How does the finance calculator work?
Our finance calculator is designed to give you an idea of how much your Hire Purchase or Personal Contract Purchase agreement may cost. Once you have an idea of your monthly budget or the amount you want to borrow, our finance calculator provides an indication of the monthly cost and the total amount repayable.

If you select the Personal Contract Purchase option on this calculator, you’ll be asked to estimate your optional final repayment, also called the “balloon” payment. This is the lump sum you’ll need to pay if you decide to keep the vehicle. Remember, when you choose your car at a Black Horse approved dealership, the dealer will then work out the monthly repayment amount and the optional final repayment amount, which is based on the anticipated value of the vehicle at the end of the agreement. Learn more in our
finance product guide.

Do you want to know more?
If you need to learn more about the different types of car finance available, take a look at our dedicated information pages for
cars, motorcycles and caravans (including motor homes and holiday homes).

What’s next?
Once you feel like you have fully explored the options available to you, you can use our handy tool to
find your nearest Black Horse dealer.