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Car Finance Health-check Calculator

Looking to drive down your monthly payments?

Our Car Finance Health-check Calculator helps you explore the benefits of refinancing your existing finance agreement. Find out how much you could save in just 60 seconds in our secure WhatsApp tool.

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How Much Could You Save?

Looking to reduce your monthly payments?

Refinancing your car with Oracle Car Finance is the hassle-free way of restructuring your funding, much like switching your mortgage.

Our Car Finance Health-check Calculator helps you explore the benefits of refinancing your existing agreement. Find out how much you could save by adjusting your agreement in just a few easy steps!

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Refinance Calculator
WhatsApp Health-check Calculator
How does it work?

Find out how much you could save by adjusting your agreement in just a few easy steps!

  1. Answer just a handful of simple questions
  2. Adjust any answers if required
  3. Instantly see your results
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REFINANCE MY CAR

Is Refinance Right For Me?

Wondering whether a refinancing loan is right for you? If your circumstances have changed, it could be a great solution.

The benefits to refinancing include:

  1. Reduce your monthly payments
  2. Avoid paying your balloon in one lump sum
  3. Accelerate your path to ownership by adjusting the term of your loan
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Current representative APR

9.9% APR

Oracle Finance is a Credit Broker and not a Lender.

This means that we deal with a wide range of financial institutions to give our customers a greater choice of competitively priced options. For your protection, Oracle Finance is authorised and regulated by the Financial Conduct Authority for the sale of consumer credit. Oracle Finance is a trading name of Oracle Asset Finance Limited.

FAQs

Car refinance is the process of replacing an existing auto loan with a new one, typically to get better terms, lower interest rates, or to adjust the loan duration.
Car refinance works by paying off your existing auto loan with a new loan, often with better terms. This can lead to lower monthly payments or reduced interest rates.
Car refinance can lead to lower monthly payments, reduced interest rates, improved cash flow, and potentially save money over the life of the loan.
Qualification for car refinance depends on factors like credit score, loan-to-value ratio, and the current market interest rates. Meeting these criteria can increase your chances of approval.
The car refinancing process can take anywhere from a few days to a few weeks, depending on the lender and the required documentation.
It is worth considering car refinance when interest rates drop, your credit score improves, or if you're struggling with high monthly payments. It's also worth exploring if you want to change the loan duration.
While there is no strict limit on how many times you can refinance a car, it's essential to consider potential impacts on your credit score and overall financial situation.
No, traditional car refinancing is not typically applicable to leased vehicles. However, there are lease buyout options or alternatives to explore.
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