This finance calculator provides an estimate that should be used for guidance only, it does not constitute an offer. Finance is subject to status. T&Cs apply. New Vehicle Rates (Typical APR) 0-12 months old: 8.6%. Used Vehicles Rates (Typical APR) 1-5 years old: 10.6%. 5+ years old: 11.6%. Term Vehicle age dependent - must not be older than 18 years at end of term.