We’re a leading used car finance specialist, with a 5-star Trustpilot rating. We offer a range of flexible finance options and compare the best deals from a panel of top high street lenders. To make buying a used car even easier, we can also help you find the perfect car and deliver it to your door - at no extra cost. Browse our best Used Car Finance Deals today.
With our 2-minute online application, getting a second hand car on finance has never been easier.
Simply complete our application and we’ll run a quick Soft Search to check your eligibility. Don’t worry, this won’t affect your credit score and you’ll get a decision straight away.
Once you’re approved, one of our friendly car finance specialists will be in touch to discuss your finance options.
If you’ve already found the car you want, we’ll process the funds quickly and efficiently – so you can get behind the wheel of your new car as soon as possible.
If you haven’t yet found your car, our Find, Fund and Deliver service can help you find your dream car and deliver it to your doorstep – at no extra cost.
For the best second hand car finance deals, simply complete our No-obligation Application form and a finance specialist will be in touch.
What you'll need for the application:
Hire Purchase (HP)With hire purchase, the cost of your loan is divided into equal monthly repayments, with a fixed interest rate. Your mileage is not limited, so you can enjoy maximum freedom on the roads. Once all payments have been settled – the car is all yours.
Lease PurchaseThe best thing about lease purchase is that you can choose to defer part of your loan to the end of your agreement – it’s ideal if you want to keep your monthly repayments low. With lease purchase, you’re not restricted by annual mileage limits, and once you’ve paid the final balloon payment, you own the car outright.
Personal Contract Purchase (PCP)Used car PCP finance gives you the widest choice of options at the end of your contract; you can either exchange your car for a newer model, return it to the lender and walk away, or pay the balloon payment to own the vehicle. PCP is popular with people who like to upgrade their cars regularly, and those wanting to keep their costs as low as possible.
Used Car LeasingCar leasing (also known as contract hire), typically offers lower monthly instalments as you are effectively renting a vehicle over a longer period. Your monthly payments are calculated based on the length of your contract and your mileage limit, and at the end of your agreement the vehicle is returned to the leasing company. Whether you’re looking to lease a car for personal or business use - used car contract hire provides a simple, cost-effective alternative to owning a vehicle.
To discuss your used car finance options with a friendly car finance specialist, simply provide your details using our Online Application form.
We’ve helped thousands of customers get the best car finance deals through our leading panel of high-street lenders, even those that have been refused elsewhere.
Reasons you can buy with confidence:
Let’s be honest, buying a second hand car can be risky if you’ve not done it before. But while you may be new to the game, buying a second hand car doesn’t have to be a gamble. You can greatly reduce the risk of purchasing a used vehicle, and buy with confidence, with a little research and a few simple checks:
Condition of the vehicle
If you’re buying your car from a private seller or a local dealer, you should always inspect the vehicle thoroughly to ensure it’s in good condition. Pay attention to the sound of the engine and check for any leaks under the bonnet.
You should also give the car exterior a good inspection, keeping an eye out for any rust, scratches or dents. Be sure to check the condition of the tyres too, ensuring the tread depth meets legal requirements.
When taking the car for a test drive, test the vehicle at different speeds and listen for any unusual sounds. The clutch and brakes should feel responsive, and gear changes should be smooth.
Full service history
Choosing a vehicle with a full service history is one of the best ways to minimise the risk of buying a used car. With a full service history you can see exactly what work has been carried out, as well as when and where it was completed. This will help you to gain a better understanding of the vehicle you’re buying, and provide an insight into any big expenses that may be lurking around the corner. For example, most cars require a new timing belt every 75,000 to 100,000 miles which can be expensive. If your car has a full service history, you can check whether the timing belt has been changed at this time. If it hasn’t, you can look to budget for the cost – or shop around for a car that has.
Vehicle HPI check
Before you buy a used car on finance, you should always carry out a full HPI check. This is to ensure there are no issues with the vehicle that could cause you problems later down the line. For example, part of the check ensures your car has not been previously stolen or received any police complaints. A HPI check normally costs around £40, but can save you thousands if the car turns out to be stolen, has accident damage, or any outstanding finance against it.
How we help you buy with confidence
If you’d like professional help finding a second hand car, our expert car buying team will search our network of trusted dealers to find you the perfect vehicle. You can be confident in the car you’re buying, as we’ll carry out all the necessary checks, including a free HPI check.
As part of our service, your vehicle will be taken to our workshop where our highly qualified mechanics will ensure the vehicle meets the RAC 82-Point Approved Vehicle Preparation Standard. The team will also service and MOT the car if required, and tend to any minor defects.
Your car will then receive a full valet to ensure its sparkling inside and out - before we deliver it to your doorstep at no extra cost.
Finally, if you’re looking for that extra peace of mind we provide the option to purchase an RAC Warranty, which covers all vehicles. And with the knowledge that a covered component is protected against unforeseen mechanical faults, you can be reassured that costs will be taken care of.
Your application only takes a couple of minutes and won’t affect your credit score.