Car Finance NI
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Car Finance NI: Compare car finance deals
If you’re planning to buy a car on finance there are many lenders you could choose to go with, but checking what car finance deals each one offers has the potential to be a time consuming and frustrating hassle.
But luckily that’s where we come in. CompareNI.com has teamed up with Zuto to take all the hassle out of finding the best Personal Contract Purchase (PCP) and Hire Purchase (HP) car finance deals for your new set of wheels.
How much does it cost to buy a car on finance?
When you’re agreeing a car finance deal, the total cost of that car loan will depend on the amount being borrowed, the loan duration and the interest rate on that loan. There are various aspects that might affect the term, loan amount and the interest rate you might be offered by a particular lender, including:
Your credit history – If you have a good credit history and have never missed any debt repayments the lender may well offer you a lower interest rate, and might also be willing to lend you more.
Your income – How much you earn will obviously have an impact on what monthly repayment you can afford, so your salary will usually be taken into consideration.
Your monthly expenses – It’s not enough to know how much you earn, because your monthly outgoings will also have an impact on the amount you can afford to repay each month.
How do car finance comparison sites work?
CompareNI.com has teamed up with Zuto to help you compare Personal Contract Purchase (PCP) and Hire Purchase (HP) car finance deals from a range of different lenders and choose the loan that’s right for you.
When searching for Personal Contract Purchase (PCP) and Hire Purchase (HP) car finance deals you will be asked to provide some personal information as well as info about the car you want to buy on finance, and you will then be shown the best value for money PCP & HP quotes from their panel of 17 lenders. You can then choose the quote that best suits your needs and which is affordable in your circumstances.
* Representative Example
Borrowing £8,000 over 60 months with a representative APR of 19.9% the amount payable would be £204 a month, with a total cost of credit of £4,264 and a total amount payable of £12,264.
Zuto is a credit broker, not a lender. Our rates start from 10.7% APR. The rate you are offered will depend on your individual circumstances.
