Used car finance

  • No Deposit
  • We help find you the perfect car
  • PCP and HP from 8.9% APR
  • Free car history and dealer quality check
Get a Quote Does not affect credit score
Used Car Finance |
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Buying a new car is expensive, even with the best finance deals

That’s why so many people go to the second hand car market for their latest vehicles. And with CarMoney, you can save even more with used car finance.

Whether you’re looking for a cheap run-around, or have found the exact make and model of your dreams, you can be sure to find one second-hand.

Of course, used cars can still be a little pricey, and can be a headache to work out whether or not your credit score will have an effect on getting finance.

Thankfully, worrying about car finance is a thing of the past, because CarMoney is on hand to find the best deals on used car finance.

Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a representative APR of 18.1%, monthly payment would be £172.36, with a total cost of credit of £2,273.28 and a total amount payable of £9,273.28. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions this can either be a % of the amount borrowed or a flat fee. This does not influence the interest rate you’re offered in any way. CarMoney is a broker not a lender



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Free car history and dealer quality check

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PCP and HP from 8.9% APR

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Keep your credit score unaffected

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Why choose used car finance from CarMoney?

CarMoney’s rate-cutting ninja, Nikki, is keen to bring you the very best second hand car financing deals. As a highly trained ninja, Nikki knows stealth – so our checks won’t leave a mark on your credit report.

When you’re looking for used car finance, it makes sense to have a ninja in your corner. CarMoney also offer:

  • Cheap car loans from 8.9% APR.
  • No obligation, no hidden fees.
  • Quick quote, free check, fast acceptance.
  • We don’t steer you towards a particular lender.

And that’s before we get to Nikki’s price promise! We’ll beat any used car finance quote today – guaranteed! Find a better price on car finance and Nikki will beat it.

Nikki & Vauxhall Corsa |

Why get used car finance?

The majority of people will purchase used cars to try to reduce the cost of a vehicle, but even used cars can be pretty pricey. So many dealers and lenders offer used car finance to help you out.

Many dealerships will offer finance for a used car, no matter what age it is. However, dealership finance is typically five years so long as the car you are purchasing is less than five years old. For older cars, the lenders may offer one or two year loans, if at all.

At CarMoney, we compare the UK’s top lenders for the best used car finance deals so you don’t have to! We can find second car financing with terms and interest rates to suit you.

Check out our car finance calculator to see how much you could borrow.

Frequently Asked Questions

How to Finance a used car

When seeking financing for a used car, it is crucial to conduct thorough research, obtain pre-approval, assess the feasibility of a down payment, explore various options from different lenders, inquire about potential discounts, ensure you have all the required documentation prepared, and carefully consider both the duration of the loan term and the type of finance that aligns best with your requirements.

Are there restrictions on the type of car I can finance?

Lenders may have restrictions on the age and type of vehicles they finance. It is essential to check with the lender to see if there are any limitations on the car’s make, model, or age you intend to finance.

Can I finance a used car?

Yes, it is possible to finance a used car. Many lenders and financial institutions offer financing options specifically for used vehicles.

Is financing a used car different from financing a new vehicle?

The fundamental financing principles remain the same for both new and used cars. However, interest rates for used vehicles may be slightly higher because they are considered to be riskier investments than new cars. This is because used cars have a shorter lifespan and are more likely to require repairs. Additionally, the depreciation of a used car can impact loan terms and resale values.

How it works
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Quality Assurance, Value for Money

We offer used car finance with competitive rates for high-quality vehicles, so you get the best value on the road.

Nikki and Car |

Trusted Used Car Specialists

Our expertise and network of trusted dealerships make buying a used car with finance stress-free.

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Quick and Easy Application Process

We simplify getting a car loan with a streamlined application process that removes the hassle and paperwork of buying a car.

Join thousands of happy customers

Our customers love our CarMoney Ninjas

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CarMoney Ninja Sean

“Great service, Sean Davidson was great and was always trying to help and give me the easiest experience possible. Thank you very much Sean.”

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CarMoney Ninja Alan

“Alan, who I spoke with on the phone, was amazing! He sorted everything out for me, it was so easy and was able to get my car the very next day. Fantastic!”

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CarMoney Ninja Sophie

“Sophie who sorted my finance out for car was amazingly nothing was too much trouble for her always kept me up to date. Five stars Sophie. Thanks for everything”

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CarMoney Ninja Ellie

“My ninja from start to finish Ellie McGavin I Needed a car it was complete from picking to collecting within 2 days friendly staff great communication brilliant.”

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CarMoney Ninja James

“Excellent professional and courteous service nothing too much trouble James was thoroughly committed to helping me source my car”.

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CarMoney Ninja Frazer

“Frazer from car money made the experience of getting a car simple and easy. Would definitely recommend to family and friends. Thanks again CarMoney!”

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CarMoney Ninja William
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We Compare the best deals from over 20 lenders

CarMoney LIMITED is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activity and our registration number is 674094. Representative 18.1% APR. Over 18’s only. CarMoney IS A BROKER NOT A LENDER.

REGISTERED ADDRESS: Pioneer House, 2 Renshaw PL, Motherwell, ML1 4UF, Scotland.Company Number: SC467274.

All finance is subject to status and income. Written Quotation on request. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions.