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Car finance

Spread the cost of a Cazoo car with finance plans tailored to your budget. Plus, you can check your eligibility before you get started, without any impact on your credit score.

Finance a used car with fixed monthly payments

Find your Cazoo car, apply for finance and sign your agreement all online. Pay your deposit, then have your car delivered to your door or collect it from one of our Customer Centres.

How financing a Cazoo car works

  1. Find your Cazoo car

    Browse great value used cars that are available to buy or finance.

  2. Apply for finance online

    Choose the right finance deal for you. You can also part exchange your old car.

  3. Sign your agreement

    Get approved within minutes, pay a deposit and sign all documents online.

  4. Book your car handover

    Collect your car from a Customer Centre or we'll deliver it to your door.

Car finance tailored to you

As we're a finance broker not a lender, we’ll do our best to find a budget-friendly deal for you.

  • Hire Purchase (HP)

    HP finance allows you to spread the cost of the car by making monthly payments over an agreed term. It could be right for you if you want to buy the car at the end of the agreement, without making a large final payment.

    Learn more about HP finance
  • Personal Contract Purchase (PCP)

    With PCP finance, you make equal monthly payments over an agreed term. At the end of the agreement, you can decide to hand the car back to the lender, change it for another one or buy the car with an 'optional final payment'.

    Learn more about PCP finance

Finance representative example

PCP: Total cash price £16,500. Borrowing £14,500 with a £2,000 deposit at a representative APR of 11.9%, fixed interest rate per annum of 6.18%, 48 monthly payments of £242.35 followed by 1 optional payment of £8,184 including a £10 option to purchase fee, total cost of credit is £5,316.80, total amount payable is £21,816.80, annual mileage limit of 10,000 miles and an excess mileage charge of 4p/mile. T&Cs apply.

Our representative rates are reviewed regularly and are subject to change.

  1. Competitive rates

    Competitive car finance with APRs from 11.9% representative.

  2. Quick & easy

    The majority of applications get an instant finance decision.

  3. Flexible finance

    HP or PCP finance available, with plan lengths tailored to you.

  4. Online support

    Chat with us or browse car finance FAQs, entirely online.

Check your car finance eligibility without affecting your credit score

See your likelihood of being accepted before you apply with our car finance checker. You can browse cars suited to your monthly budget and we’ll also tell you your likely personal APR.

Our partners

We work with finance lenders, including Black Horse, to find you competitive finance all online. We also work with Evolution Funding, who are a broker.

  • Black Horse

    Black Horse, part of Lloyds Banking Group, is one of the UK’s leading providers of car finance and has helped over 200,000 customers find motor finance.

  • Evolution

    Evolution Funding has been named ‘Best Broker’ at the Car Finance Awards for seven years running and works with a panel of lenders, including Santander.

Why choose Cazoo

Buy or finance your next car entirely online. Choose delivery or collection at a time that suits you, 7 days a week.

  1. Great value cars

    Competitive prices and HP or PCP finance deals.

  2. Easy part exchange

    Lower the cost of your car. Same-day exchange.

  3. Quality checked

    Mechanical and safety checked, plus recent MOT if needed.

  4. 90-Day Warranty

    Included with your car. Plus 24/7 RAC breakdown cover.

  5. Money Back Guarantee

    More comprehensive than a test drive.

Popular questions about car finance

Find your next car on finance

Choose from a wide range of great value used cars available to buy or finance online.

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