UK Car Loan

£15,000 car loan at 9.9% APR over 6 years

Indicative monthly repayment and total cost for a UK car loan of £15,000 at a 9.9% representative APR.

Monthly repayment

£277.13

Total interest

£4,953.49

Total repaid

£19,953.49

Is this a good rate?

UK car loan APRs typically range from around 6% for excellent credit to 25%+ for sub-prime borrowers. At 9.9%, a £15,000 loan costs £277.13 per month and £4,953.49 in total interest.

Cheaper alternatives

0% dealer finance — manufacturer-subsidised, usually only on new cars.
0% purchase credit cards (12–24 months) for smaller amounts.
Personal loans from your current bank often beat dealer APRs.

Same loan, different rates

£15,000 at 3.9% · 6yr £15,000 at 4.9% · 6yr £15,000 at 5.9% · 6yr £15,000 at 6.9% · 6yr £15,000 at 7.9% · 6yr £15,000 at 8.9% · 6yr

Other amounts at 9.9%

£3,000 at 9.9% · 6yr £5,000 at 9.9% · 6yr £7,500 at 9.9% · 6yr £10,000 at 9.9% · 6yr £12,500 at 9.9% · 6yr £17,500 at 9.9% · 6yr