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Estimate your monthly payment and total cost for PCP, HP or a personal loan.
This uses APR ÷ 12 as a flat monthly rate, which is how most quick finance calculators approximate it — a lender's representative APR can include fees and won't match this exactly, so treat this as a close estimate rather than a quote. For PCP, the balloon (Guaranteed Future Value) is set by the finance company based on predicted resale value — enter the figure from an actual quote if you have one, or leave the auto-filled estimate as a rough guide.