Remember, when you choose your car at a Black Horse approved dealership, the dealer will then work out the monthly repayment amount and the optional final repayment amount, which is based on the anticipated value of the vehicle at the end of the agreement. This is the lump sum you’ll need to pay if you decide to keep the vehicle. If you select the Personal Contract Purchase option on this calculator, you’ll be asked to estimate your optional final repayment, also called the “balloon” payment. Once you have an idea of your monthly budget or the amount you want to borrow, our finance calculator provides an indication of the monthly cost and the total amount repayable. ![]() Our finance calculator is designed to give you an idea of how much your Hire Purchase or Personal Contract Purchase agreement may cost. Black Horse is available at selected dealers and finance offers depend upon factors such as the vehicle being financed, your personal circumstances, our lending policies and the finance options provided by your chosen dealer. It is for illustrative purposes only and is not a quote or offer of finance. The finance calculator is designed to help you understand the finance options provided by Black Horse. ![]() Our finance calculator is the perfect place to start your journey if you are exploring finance options for your next car, caravan or motorcycle. Our handy finance calculator below will help you understand what the cost of borrowing might look like on our Hire Purchase and Personal Contract Purchase agreements.
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