There are a few options available to you when applying for car financing. You have two options: submit an inquiry on a vehicle, and then go through the application with your account manger. Or, you can apply online in minutes using our easy Apply Now feature. Neither will harm your credit score, and once approved, if you provide all your paperwork on time, and the lender is happy, it should only take a few days to get your finance in place. ChooseMyCar’s two-step credit screening, which is a soft and hard check that are both repeated, protects both our customers and lenders throughout the application process. An IVA can be a major obstacle to getting new finance agreements.

As we’re a finance broker not a lender, we’ll always find a competitive deal for you. UK residents over 18 years old can apply for finance. Terms and conditions apply. If you have any questions about the finance advertised, it’s best to check with the dealer or with Zuto before you apply. Similarly, check with car leasing providers as to whether you are eligible. Buy a car with 0% financing Learn how 0% financing works and where you can find them.

Your Offer

APR will be shown on personal contract purchase , hire purchase and conditional sale quotes. This does not apply to personal car rental contracts. With CS, you can spread the cost of a vehicle over the course of one or several years and will have bought the vehicle by the end of the contract. There is usually no ‘option to buy’ fee. Once the finance is fully repaid, you will be able to own the car. The Annual Percentage Ratio (APR) is the total annual cost of borrowing money, including interest and any arrangement fees. APRs can be tailored to your individual circumstances. The one you receive will depend on many factors, including your credit score.

Our car finance experts are SAF Approved and can advise you on the finance options available to you. You can also be confident in the products we offer because our partners are trusted, such as Blackhorse, BNP Paribas and MotoNovo. We can only introduce you to a small number of finance providers. Our Consumer Credit services are free of charge.

Car Finance Explained

After being accepted for finance you’ll have 48 hours to pay your deposit. If your deposit isn’t paid within 48 hours, the car you applied for will go back up for sale on our website. We will need your personal information, employment details, address history and bank account details for your application. A copy of your photo driving license is also required. Auto Trader allows you to compare the different financing options available for HP and PCP. On some adverts on Auto Trader, the finance information is provided by the dealer selling the car or lease provider. We use information and a finance example from Zuto to advertise finance for dealers who don’t advertise it on Auto Trader.

Car finance without any interest to pay results in lower monthly payments. And there are no hidden fees – the price you see is the price you pay. Find your perfect Cazoo car, apply for finance and sign your agreement all online.

Use our finance calculator to get an estimate of how much you can borrow. The amount you can borrow will depend on your credit rating and personal circumstances. Our finance partners, Zuto, can give you Get a free, no-obligation estimate to help you weigh your options. We have created a tool to help you understand the financing options offered by Black Horse.

Notification of cancellation must be sent by email to the address below within 14 days of vehicle handover. Vehicles must be returned within four days. Vehicle must be returned by the customer to supplying retailer. Upon return vehicle cannot have any charges or claims from any third party against it.

You couldn’t have come anywhere better for a wide range of used car deals. ChooseMyCar has a huge selection of used cars available for sale, including some from the following: All the major manufacturers.

Pay your deposit, then have your car delivered to your door or collect it from one of our Customer Centres. The prices we show are not guaranteed but are indicative of what is available to the majority of customers who apply. Your status will determine whether or not you are approved and on what terms.