Car finance calculator
Adjust the sliders on the calculator to see estimated monthly or weekly payments. Switch between personal and business options to explore a plan that could work for you
Monthly payments
Estimate your payments
Car price
£26,500
Deposit
£0
Deposit cannot be less than £1,325
Term length
5 year(s)
Your credit score
not sure
Monthly payment
£592
Your car finance breakdown
25% paid upfront
75% financed through monthly payments
Deposit
£0
Term
5 year(s)
Car price
£26,500
Financing amount
£26,500
APR equivalent
12.9%
Interest
£0
Rental charges
£9,020
Option to purchase fee
£1
Total payable amount
£35,521
The APR shown is the vehicle rental rate presented as an APR-equivalent to help you compare with traditional hire-purchase agreements that charge interest (we do not charge interest)
Your last monthly payment includes a £1 Option to purchase fee
* These figures are for illustration and budgeting only and may change after assessment. This is not an offer or a quote for finance
Ready to apply?
Apply to get a decision without affecting your credit score
Our model: Ijara wa Iqtina
We follow a well-established Islamic contract known as Ijara wa Iqtina.
Ijara means "leasing"
Iqtina means "acquisition"
Together, this creates a clear path to ownership: you benefit from the vehicle today while steadily moving closer to making it fully yours.
We own the vehicle throughout, and pass the ownership to you at the end of the contract through a separate Sale and Transfer agreement.
Monthly payment breakdown over time
How your monthly payments work:
Rent Portion → The fee for using the vehicle (Ayan's profit)
Purchase Portion → Builds your share on the path to ownership, gradually reducing what remains
You're in good hands
Trusted by satisfied customers across the country for halal car finance
Ready to get started?
Trusted by satisfied customers across the country for halal car finance
Get my budgetQuestions?
answers.
In conventional finance, APR may be used to calculate interest on a loan. At Ayan, there’s no interest (riba) at all. The APR is simply a mathematical formula, which we must provide as a regulatory requirement for you to compare with conventional finance. It is used to show the overall cost of finance in a way that’s easy to compare with conventional finance options but what you’re paying with Ayan is a halal, asset-based rental profit, not interest on money.
It gives you an estimate of your monthly rental payments based on the car price, deposit, and term length you choose. It helps you understand what fits your budget before you apply.
No, the figures are a guide only. Your actual limit and monthly amount will depend on your personal circumstances, affordability, and the vehicle you choose.
No. Using the calculator or getting an estimate does not affect your credit score. We only run a soft check when you apply, and a full check only if you proceed with your Ayan agreement.
Yes. You can settle early at any time with no penalties. If you do, you’ll pay less total rent than if you continued to the end of the term.
Yes, your monthly payments are fixed from the start, but can be reduced through adding lump-sums. Alternatively, you can also make lump sum payments and reduce your term length. The amount you agree to never changes during your term, giving you full clarity and peace of mind.
For personal use, payments are taken monthly like standard car finance. For business use, such as private hire or taxi work, payments are weekly because income in that sector is typically received weekly.
Business (private hire) use involves more mileage and heavier usage, which increases wear, risk, and insurance costs. The higher rate simply reflects that added commercial use and risk, while still keeping everything fair and transparent.