Last updated: April 2026
Low interest
Estimated savings: £604.20
| Option | Loan amount | Monthly payment | Total interest | Total paid |
|---|---|---|---|---|
| Cash back | £25,000.00 | £483.32 | £3,999.20 | £31,999.20 |
| Low interest | £27,000.00 | £473.25 | £1,395.00 | £31,395.00 |
Cash back reduces the amount financed, while a low interest offer reduces borrowing cost over the loan term.
Cash back is often stronger when the rebate is large, the loan term is short, or the standard APR is still competitive.
Low interest is often stronger when the loan term is long or the APR difference is large enough to outweigh the rebate.
This calculator is designed to help you understand the likely number before you make a decision or start an application.
Your result should be checked against official UK guidance, especially if your circumstances include dependants, exemptions, prior leave, or a complex immigration history.
Treat the figure as a planning tool rather than legal advice. Where the answer affects an application deadline or major payment, speak to an authorised adviser.
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