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Car Finance Calculator

Best Available Rate
Total Repayment
Total Cost of Credit


Based on a fair credit borrowing £7,500 on a hire purchase agreement over 48 months, a representative APR of 18.5% and a deposit of £0.00, the amount repayable would be £216.89 a month, with a total cost of credit of £2910.72 and a total amount payable of £10410.72.

Representative Example - Credit

Loan Amount


48 Monthly Repayments


Representative APR


Loan Term

48 Months

Total Cost of Credit


Total Amount Repayable

Representative example:

Borrowing £7,500 over 4 years with a representative APR of 35.0%, an annual interest rate of 35.0% (Fixed) and a deposit of £0.00, the amount payable would be £271.74 per month, with a total cost of credit of £5,543.71 and a total amount payable of £13,043.71.

Rates may differ as they are dependent on individual circumstances. Subject to status.

We compare products from 16 of the UK's top lenders to get you the best deal.

Bad Credit Car Finance

With Volo Car Finance we are sympathetic to people requiring bad credit car finance. We endeavour to supply affordable car finance regardless of past credit history. Whether you've had CCJs, mortgage arrears, other payment defaults, if you're self-employed, been refused elsewhere or even if you have NO credit history at all, we'll search our panel of lenders to try to find the most appropriate finance option for you.

We can also try to help you if you are in a debt management plan or an IVA.

Credit to suit you

Why not benefit from our no hassle service today? If approved, our experienced personal advisors are on hand to guide you through every step of the process. And remember, in most cases, no deposit is required

  • Simply choose a vehicle from any reputable dealer
  • Agree your monthly repayments
  • Sign the relevant paperwork
  • Collect your vehicle and enjoy!

To help protect you, we also offer optional warranties and GAP insurance. These are optional products that we offer at competitive prices, so if you're interested please ask your customer service specialist.

Bad credit car finance specialists

We're understanding of all financial and credit circumstances, and will always try to secure you with the most suitable and appropriate car loan option. Our advisors are friendly and approachable, and we understand that everybody's credit rating is different. Rates offered are dependent upon your credit history.

Get your FREE credit report from UkCreditCheck!

Genuine understanding

We know how easy it is to become downcast when you've been refused car finance due to bad credit. Often this situation occurs through no fault of your own. You may be self-employed and so have no proof of income, or you may have no credit history at all. Often you may have simply been a little bit late paying bills.

At Volo Car Finance, we aim to help you to find car finance that suits your individual cirumstances.

Apply for your car finance today

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