EXPERT CAR ADVICE. SMARTER DECISIONS. BETTER CARS.
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Work out a realistic car price based on your income, deposit and everyday running costs — not just the finance payment.
Use our Running Costs Calculator for a more accurate figure.
This is a budgeting guideline, not a lending decision — actual loan approval depends on a full affordability and credit check by the lender. 15% of take-home income for total car costs (finance, insurance, fuel, tax and servicing combined) is a commonly used starting point, not a fixed rule — adjust it to fit your own finances. This also assumes a straightforward loan or HP with no balloon payment; check our Finance Calculator if you're considering PCP.