Car finance settlement calculator

Our free car finance settlement calculator can help you estimate your final outstanding payment to clear your outstanding finance.

£
.00
36 months
£
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£
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6

This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.

Your results

Total payments so far

£0

Outstanding amount (settlement)

£0

Annual percentage rate (APR)

0%

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How to calculate car finance settlement

This amount includes the remaining balance, interest, and any early settlement fees.

Here’s a general formula to calculate the settlement amount manually:

  1. Outstanding balance: Start with the total amount still owed on the loan.
  2. Early repayment interest: This can vary based on the lender but is often a portion of the remaining interest on the loan.
  3. Early settlement fee: Some lenders may charge a fee for early repayment.

The calculation would look like the below:

Settlement Amount = Outstanding Balance + Interest Adjustment + Early Settlement Fee

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Disclaimer: Swoop Finance helps UK firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans or other finance products ourselves. We can introduce you to a panel of lenders, equity funds and grant agencies. Whichever lender you choose we may receive commission from them (either a fixed fee of fixed % of the amount you receive) and different lenders pay different rates. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Swoop Finance can introduce applicants to a number of providers based on the applicants’ circumstances and creditworthiness. Swoop Finance Limited is registered with the Financial Conduct Authority as an Account Information Services Provider (reference number 833145). Swoop Finance Limited is authorised as a credit broker under FCA registration number 936513. If you feel you have a complaint, please read our complaints section highlighted above and also contained within our terms and conditions. Swoop Finance Ltd is registered with Companies House (company number 11163382, registered address The Stable Yard, Vicarage Road, Stony Stratford, Milton Keynes MK11 1BN). VAT number: 300080279

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