Unified Local Operational Control Center • Persistent Offline State
New vehicles need no MOT for the first 3 years (36 months) from first registration in Great Britain — set the date above and the MOT gauge shows “Exempt” until the first MOT is due. Leave blank if not applicable.
Enter the original amount, APR, start date and term — the dashboard amortises the loan to show the expected balance now, payments left and total interest. Balance Remaining above is used as a fallback if these are blank.
Start mileage plus the vehicle’s current mileage lets the dashboard project your end-of-term mileage, any excess-mileage charge, and the amortised balance remaining. The Optional Final Payment (GMFV) is the balloon you pay at the end to keep the car — your monthly payments only cover the amount borrowed minus this figure, so the balance settles here rather than at £0.
Record who you renew with, the premium, and log past renewals to build a cost history.