Finance Calculator

Need help crunching numbers? Work out how much you can borrow.

8000

How much do you want to borrow?

60

How long do you want to borrow it for?

Apply now

8.0 6.8 5.9 5.2 4.9

Estimated Cost Of Finance

Credit Rating:

excellent

Borrowing:

£8,000

Payment Period:

60

Cost Per Month:

£154


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What Credit Rating Are You?

Use our scooter finance calculator for a quick estimate by entering how much you want to borrow, for how long, and selecting a rating for your credit score. Remember, even if your rank yourself as ‘poor’, you can still apply for a loan.

Excellent

With an excellent credit rating you can expect to be offered the lowest rates available so how do you achieve this rating? You will need to have a perfect or near perfect record of meeting loan repayments such as on a mortgage or credit card bill; have lived at the same address for many years, and be registered on the electoral role. You are also unlikely to ask for credit very often.

Good

This credit score is still likely to be offered a competitive APR. To qualify, you should have a near perfect record of meeting your loan repayments with no more than one or two missed. You should also have lived at the same address for a considerable number of years, be registered on the electoral role and not have any County Court Judgements against you.

Average

You are likely to be offered less favourable rates than the category above due to your relatively high level of debt compared to your income. You may also have a record of several missed loan repayments over the years, and having exceeded your credit limit. You may have County Court Judgements against you, and have changed addresses a few times recently.

Poor

If you have a poor credit score you can still apply for scooter finance, but you will be charged a higher rate. Rate yourself as ‘poor’ if you have defaulted on loan repayments, frequently exceeded your credit limit, changed your address often, have been declared bankrupt and/or have County Court Judgements against your name.

Bad

With this score, you may be considered too high a risk and refused a loan. If you are accepted you will have to pay a high APR.