Car Finance Calculator

Your figures

Car price

Any car from any approved dealership, up to £100,000.

Deposit

5%£1,350

The minimum deposit is 5% of the car price.

Term

Ownership transfers to you at the end of the term.

Estimated monthly rental

£850.72

at a representative 11.9% APR-equivalent

Deposit you pay£1,350

Amount financed£25,650

Total rentals over the term£30,626

Total cost of the car£31,976

An illustration, not a quote. There is no interest at any stage; you pay an agreed rental-profit charge, shown here as an APR-equivalent so you can compare it with conventional finance. Your rate depends on your circumstances and the vehicle. Representative 11.9% APR-equivalent. All finance is subject to status, affordability checks, and terms and conditions.

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An application takes about two minutes and uses a soft search, so checking will not affect your credit score.

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Representative 11.9% APR-equivalent. Subject to status and affordability checks.

How the calculator works

Ayan does not lend you money, so there is no loan and no interest to calculate. We buy the car outright and lease it to you for a fixed monthly rental, and ownership transfers to you at the end of the term. That structure is called Ijara wa Iqtina.

Because most people arrive comparing offers from conventional lenders, the figures above are expressed as an APR-equivalent: the annualised total of the charges you pay, presented the same way a conventional APR would be, so the two can be compared like for like. It is a comparison device, not interest.

What the numbers mean

Deposit. The minimum is 5% of the car price. A larger deposit reduces the amount financed and therefore the monthly rental.

Amount financed. The car price less your deposit. This is what Ayan pays the dealership on your behalf.

Monthly rental. A fixed amount, agreed in full before you sign. It does not vary with the Bank of England base rate.

Total cost of the car. Your deposit plus every rental payment across the term. There is no balloon payment at the end.

Is halal car finance more expensive?

Not by structure. You pay an agreed rental-profit charge instead of interest, and the total is fixed and disclosed before you sign. Settling ahead of schedule means you pay less in total rental charges than running to the end of the term, with no early repayment fee.

Who can apply

Anyone, regardless of faith. Ayan operates in England, Scotland and Wales, and finances any car from any approved dealership in line with your approval terms. All applications are subject to status and affordability checks.

Ayan Capital Ltd is authorised and regulated by the Financial Conduct Authority. The figures on this page are an illustration and do not constitute a quote or an offer of finance.

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© 2026 Ayan Capital Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 1022208). Registered in England & Wales, (Company No.: 15123809) with the office at 20 Wenlock Road, London, England, N1 7GU. Compliant with Data Protection Regulations 2018 under registration ZB613240. FCA regulation applies only to certain regulated activities, and not to all services provided by Ayan Capital Ltd.
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Ayan Capital 1 Ltd is registered by the Financial Conduct Authority as an Annex 1 financial institution for anti-money-laundering purposes only (Firm Reference Number: 1021505). Registered in England & Wales (Company No.: 15996246) with its registered office at Mitchell Charlesworth, 3rd Floor, 44 Peter Street, Manchester, United Kingdom, M2 5GP. Compliant with Data Protection Regulations 2018 under registration ZB871398. All services provided by Ayan Capital 1 Ltd are unregulated.
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As a responsible finance provider, we assess all applications carefully to ensure affordability and suitability. All credit is subject to status, affordability checks, and terms and conditions.