Land Rover Defender Finance Calculator
You've found the Defender you want, and the dealer's handed you a finance quote. Is it a good one? On its own, there's no way to tell. It only becomes meaningful once it's compared with a genuine alternative.
That's what Prefinance does: we take the dealer's own finance example for the exact Defender you're looking at and compare it against the best available rate from our panel of finance brokers for that type of vehicle. On average, that turns up savings of up to 30% against dealer finance; though that's an average across many deals, not a promise for yours, and some dealer Defender finance is already competitively priced.
Land Rover Defender finance examples
Rates and calculations correct at time of posting but are subject to change.
Vehicle | Cash price | Deposit | Amount of credit | Term | Rep. APR | Monthly payment | GFV / Final payment | Monthly savings vs dealer | Finance type* |
|---|---|---|---|---|---|---|---|---|---|
2022 Defender D200 SE 90, 3dr (quoted 12 Jul 2026) | £37,850 | £10,000 | £27,850 | 36 months | 8.9% | £879.87 | N/A | £33.43 | HP |
2023 Defender D300 X 110, 7 Seat (quoted 20 Sep 2026) | £59,500 | £12,000 | £47,500 | 48 months | 8.1% | £650.92 | GFV £28,975 | £116.03 | PCP |
2023 Defender D300 X 110, 7 Seat (quoted 20 Sep 2026) | £59,500 | £12,000 | £47,500 | 48 months | 8.1% | £1,155.47 | N/A | £79.03 | HP |
2020 Defender P300 SE 110 (quoted 1 Aug 2026) | £39,000 | £2,500 | £36,500 | 48 months | 8.9% | £653.76 | GFV £14,726 | £58.48 | PCP |
2020 Defender P300 SE 110 (quoted 1 Aug 2026) | £39,000 | £2,500 | £36,500 | 48 months | 8.9% | £661.79 | GFV £14,276 | £58.06 | PCP |
2024 Defender D300 X-Dynamic HSE 110 (quoted 27 May 2026) | £60,000 | £16,000 | £44,000 | 36 months | 7.9% | £541.21 | GFV £34,000 | £92.80 | PCP |
2022 Defender D250 SE 110 (quoted 29 Apr 2026) | £49,000 | £8,000 | £41,000 | 48 months | 7.9% | £502.05 | GFV £28,000 | £109.54 | PCP |
2023 Defender D250 HSE 110, 6 Seat (quoted 7 Apr 2026) | £50,990 | £15,000 | £35,990 | 36 months | 8.9% | £484.73 | GFV £27,150 | £74.62 | PCP |
What's the difference between PCP and HP on a Defender?
Both are hire purchase agreements in the legal sense; the car isn't yours until the final payment clears, but they split the cost differently. HP (Hire Purchase) spreads the full price, minus your deposit, evenly across the term, so every payment builds toward ownership; the D300 X pair above shows this clearly, with an identical cash price and deposit producing a monthly payment nearly £500 apart depending purely on the structure. PCP (Personal Contract Purchase) defers a chunk of the price to a GMFV (Guaranteed Minimum Future Value) at the end, keeping the monthly payment down; you can then pay it to keep the car, hand it back, or roll it into your next one.
One assumption underpins the instant comparison either way: Prefinance assumes the new lender's GFV matches the dealer's own. If your matched broker structures it differently, your actual monthly payment could come out higher or lower than the illustrative figure.
How does Prefinance work out the savings?
You give us the vehicle — by registration, by make and model, or by pasting in a link from a dealer site or a listings site like Autotrader, provided that page shows a finance example. We read the dealer's own quote and compare it against the best available rate from our panel of brokers for that type of vehicle. The comparison assumes you'd qualify for the panel's best rate, which depends on your credit profile, and that the dealer you're buying from is FCA authorised. Every comparison you run is saved, so you can come back and check previous ones too.
Representative APR means at least 51% of customers offered finance by that provider get that rate or better; a genuine benchmark, not a guarantee of your own rate. Our panel is often competitive on Defender deals too, as the real examples above show. How much you'd actually save depends on the specific car and your own circumstances.
What affects the rate you're offered?
Credit score does most of the work, but deposit size, finance structure and term all move the number too, as the table above shows; the D300 X's genuine PCP-versus-HP pairing is a clear illustration of how much the finance structure alone can shift the monthly figure on an identical car, and the P300 SE pair shows how even the GFV on the same deal can vary slightly between quotes. A longer term usually lowers the monthly payment but adds to the total interest paid; you can see that trade-off directly in the two 2023 D300 X term examples on the live page. And a factor most buyers never think about: dealers and brokers earn commission for arranging finance, which is a genuine reason two near-identical Defenders can be offered at different rates by different dealers; exposing that gap is a large part of what our comparison actually does.
What to check before you apply
Confirm the deposit and mileage in your comparison match the dealer's actual quote — the deposit is editable, but a mismatch elsewhere skews the result.
Ask what happens to your monthly payment if the matched lender's GFV differs from the dealer's — the P300 SE pair above shows this can move even between two quotes on the same car.
If comparing PCP against HP on the same car, look at both the monthly payment and whether you actually want to own the car outright at the end — the D300 X pair above shows how substantial that difference can be.
Read the broker's full representative example before signing anything — it carries the exact figures for your deal, not the illustrative ones above.
None of this tells you upfront whether the dealer's Defender quote in front of you is already good — sometimes it is. The only way to know for sure is to run the comparison on your specific car and see what the panel comes back with.
