This car finance calculator is for illustration purposes only. The interest rate that you receive from your motor finance provider, or the fees they may charge, can vary significantly depending on your personal circumstances. If you have poor or bad credit you are deemed to be a higher risk to the lender, hence the reason for higher monthly payments. New Look Loans is a finance broker and arranges finance with lenders on our client’s behalf. New Look Loans does not provide loans and cannot directly calculate the exact cost of your loan. This tool is only a rough indicator to help users check potential affordability. Credit is subject to the discretion of the lender, is subject to status and is not guaranteed.