Paying for new windows over time: your monthly payments worked out
Window finance can look cheap month by month and cost a good deal overall. Enter the amount and the rate you have been offered, and the calculator shows the monthly payment next to the total and the interest, because the monthly figure on its own is what makes expensive borrowing look cheap.
Starts at zero deliberately. We do not publish a rate, because a rate we supplied would look like a rate we are offering. Use the one you have actually been quoted.
- You would borrow
- £5,000
- You would repay
- £5,000.00
- Of which interest
- £0.00
- Final payment
- £138.85
Illustration only – not a quote, not an offer of credit, and not financial advice. Rates depend on your circumstances and creditworthiness.
What the window finance calculator does and does not do
It does sums on the numbers you type in. We name no lender, link to no credit product and earn nothing from finance. There is no apply button, and there will not be one.
It is not a quote, an offer of credit or advice. The rate you are offered depends on your circumstances and your credit record, and it can be well above the one you try here.
The rate starts at zero on purpose. A figure we chose would look like a rate we were offering, and it is not ours to offer.
What to look for in window finance
- A low monthly payment can hide a higher total
- Stretching a loan from three years to five lowers each payment and raises what you pay overall. Compare the total and the interest, not just the monthly figure.
- Interest-free can come with conditions
- Some deals charge an arrangement fee, or move to a high rate if you miss a payment or the interest-free period ends. Read what happens at the end of the term as well as during it.
- Finance offered by the fitter is still borrowing
- Ask who the lender is and what the APR is before you agree. Free, impartial guidance on borrowing is available from MoneyHelper.
- Other borrowing may cost less
- A personal loan, a credit facility you already have or a mortgage top-up can sometimes work out cheaper than finance arranged at the point of sale. Compare them on total cost.
Get the price right before you borrow
Replacing every window in a three-bedroom semi in white uPVC typically costs about £5,000 including VAT, and quotes for the same house can differ by thousands. Borrowing against the first quote you receive is the costliest way to pay for it.
Check that each quote includes VAT at 20%, or you may borrow less than you need. What replacement windows cost shows typical prices by type of home, and free quotes give you real figures to borrow against.
Compare your quotes