بِسْمِ ٱللَّٰهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ
Shariah-Compliant

Halal Car Finance Calculator.

See what you could pay, the halal way.

Estimate your monthly rental in seconds. Our calculator shows what your car finance could look like through Ijara wa Iqtina, a Shariah-compliant, interest-free route to owning your car.

No Riba
Asset-Backed
Independently Reviewed
Check My Eligibility Rated on Trustpilot
Checking your eligibility uses a soft search, with no impact on your credit score.
No Riba
No Gharar
Asset-Backed
Independently Reviewed
Finance Calculator

Estimate your halal car finance.

Adjust the amount, term and your credit rating to see an illustrative monthly rental under a Shariah-compliant Ijara wa Iqtina structure. No interest is paid, you pay an agreed rental-profit charge.

£3,000£50,000
  • Bad
  • Average
  • Good
  • Excellent
48 monthly rental payments of
Halal
£0.00
at 0.0% APR-equivalent
Total rental charge £0.00
Total amount payable £0.00

Figures are illustrative and for guidance only. Your actual rental, APR-equivalent and terms depend on your circumstances and are subject to status. No interest is paid; you pay an agreed rental-profit charge. Representative APR-equivalent 10.9%.

Using The Calculator

How the calculator works.

Our halal car finance calculator gives you an instant, illustrative estimate of your monthly rental. You choose the amount, the term and your credit rating, and it shows what your Shariah compliant, interest-free finance could look like. No interest is charged, and trying it has no impact on your credit score.

01

Enter your amount

Type in how much you would like to finance, or drag the slider. Choose any amount from £3,000 to £50,000.

02

Choose your term

Pick how many months to spread your rental over: 24, 36, 48 or 60 months.

03

Set your credit rating

Select the option that best reflects your credit, so your estimate is closer to your circumstances.

04

See your estimate

Your estimated monthly rental, total rental charge and APR-equivalent update instantly as you adjust.

Remember, this is an estimate. Your exact rental is confirmed after a quick eligibility check.

Cost Transparency

What your rental is based on.

With halal car finance you never pay interest. You pay an agreed rental-profit charge for the use of a real vehicle, fixed and disclosed before you sign. An APR-equivalent is shown only so you can compare it like for like with conventional finance.

You pay rental, not interest

You never pay interest. You pay an agreed rental-profit charge for the use of a real vehicle. That single difference is what keeps the finance Shariah compliant.

Representative APR-equivalent 10.9%. Rates from 7.9% APR-equivalent. Finance is subject to status.

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Cost Transparency

Clear, honest pricing you can trust.

✦
Family who financed their car the halal way with clear, interest-free pricing
No InterestRental-profit only
Fixed PricingClear before you sign
Easy to CompareAPR-equivalent shown
حلال
Halal vs Conventional

A fairer way to finance your car.

See how halal car finance compares with conventional finance, one point at a time. Tap a topic to explore the difference.

Halal
Halal Car Finance
An agreed rental-profit charge

You pay a fixed rental for the use of a real vehicle. You never pay interest at any stage.

No interest, ever
vs
Typical
Conventional finance
Interest on your balance

You pay interest on the amount you borrow, which adds to the total cost over time.

Interest applies
The halal difference

No riba. Your cost is a fixed rental-profit, agreed upfront, and never interest.

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Comparison is for general guidance. Halal car finance is structured to avoid riba and gharar.

Why Choose Us

Finance you can feel good about.

Halal Car Finance was built around your faith and your peace of mind. Tap each point to see what that means for you.

Our finance is built around Islamic principles from the very beginning, never adapted from a conventional loan. No riba, no hidden uncertainty, just finance that respects your beliefs.

Your agreement is connected to an actual car, not a loan of money. That link to a genuine asset is central to what makes the finance halal.

The structure is independently reviewed for Shariah compliance by Alhamd Shariah Advisory, so you have confidence that it has been examined by qualified specialists, not simply labelled as compliant.

While the structure is rooted in Islamic finance, it is open to everyone, whatever your faith, who values transparent, interest-free finance with fixed and honest pricing.

Built On Trust

Faith, fairness and real peace of mind.

✦
Family who chose Halal Car Finance for interest-free, independently reviewed car finance
No RibaFaith first finance
ReviewedBy Alhamd Advisory
For EveryoneWhatever your faith
حلال
Questions and Answers

Your questions, answered.

Everything you might want to know about the calculator and how halal car finance works. If your question is not here, our team is happy to help.

Contact our team
01 How does the halal car finance calculator work?

The calculator gives you an instant, illustrative estimate of your monthly rental. You choose how much to finance, your term and your credit rating, and it shows what your Shariah compliant finance could look like, with no interest.

02 Is the estimate a guaranteed rate?

No. The figure is an estimate to help you plan. Your exact rental and terms are confirmed after a quick eligibility check and are subject to status.

03 Does halal car finance charge interest?

No. You never pay interest at any stage. You pay an agreed rental-profit charge for the use of a real vehicle, and an APR-equivalent is shown only so you can compare it with conventional finance.

04 What is an APR-equivalent?

It expresses the total charges of your finance as an annual percentage, so you can compare it like for like with conventional finance. It is not interest, it is simply a familiar way to compare the cost.

05 What affects my estimated rental?

Three things move the figure: how much you finance, how long you spread it over, and your circumstances. A longer term lowers the monthly rental but raises the total amount payable.

06 Do I need a deposit?

No, a deposit is not required. You can choose to put one down if you wish, which lowers the amount you finance and your monthly rental.

07 Will checking my eligibility affect my credit score?

No. The initial eligibility check uses a soft search, which leaves no mark on your credit file. A full credit search only happens if you choose to proceed.

08 Is halal car finance available across the UK?

Yes. We help people right across the UK finance a car the halal way. Check your eligibility online to see your options wherever you are.

09 Can people of any faith apply?

Yes. Our finance is open to everyone, whatever your faith. Many people choose it for the fixed, transparent pricing with no interest.

10 Can I settle my finance early?

Yes, you can settle your finance early. Get in touch with our team and we will confirm exactly what is involved for your agreement.

بِسْمِ ٱللَّٰهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ

Ready to finance your next car the halal way?

Check your eligibility for halal car finance and take the first step towards a vehicle finance structure designed around Islamic finance principles.

Check My Eligibility
Initial eligibility check uses a soft search, with no impact on your credit score.
Car available through Halal Car Finance
Your Finance Structure Ijara wa Iqtina
Halal
Choose Your Car
Ijara Agreed Rental
Iqtina Ownership
Halal Car Finance Built around your next car
✓Islamic Finance Structure
✓Real Underlying Asset
✓Independently Reviewed Documents
✓Initial Soft Search