You don’t need to just get finance on a brand new vehicle. We can help you get finance on a used car to spread the cost of your vehicle.

Discover the types of loans you can get for a used car and find a plan that works for you!

What is used car finance?

Used car finance can make funding your vehicle more affordable by paying for it each month, rather than with an upfront lump sum.

The two main types of finance for used cars:

  • Hire Purchase HP: A common option to paying for second-hand cars on finance. This finance type splits the cost into smaller more manageable payments to be paid off in a set time, with interest. Once the agreement comes to an end, the vehicle is yours.
  • Personal Contract Purchase PCP: This agreement allows you to pay monthly, however instead of the car’s total value, you pay for the depreciation (the difference between what the car is worth now and at the end of the contract). A final ‘balloon’ payment is then due at the end of the agreement.

Quick tips on buying a used car

  • Take your time: We know the excitement of buying a vehicle and sometimes it can lead to jumping straight into a purchase. Don’t rush your decision, look at a few makes and models, narrow it down and then find a finance package to suit your budget.
  • Check your credit score: It tends to be easier to get used car finance with a good credit score. However we can try and help you apply for used cars even with poor credit.
  • Know what you can afford: Make sure you take into consideration road tax, insurance, maintenance, and other costs that may occur when pick a finance deal. Paying back your finance won’t be the only cost to consider so make sure that you work out what you can afford.
  • Know what you can borrow: Use our finance calculator to see how much you could borrow when applying for second-hand car finance. We’ll run a ‘soft’ credit check to give you an idea of what could be possible.
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