Car finance

A Couple Browsing the Cazoo website

We've made financing your used car simple

Find your perfect 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.

Why finance your Cazoo car?

  • Competitive rates

    APR from as low as 8.9% representative

  • Quick & easy

    A decision within minutes

  • Fully online

    From the comfort of your home

The right car finance deal for you

Choose from our monthly payment options. As we're a finance broker not a lender, we’ll always find a competitive deal for you.

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term. 

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you’ll own the car. 

Unlike PCP, there are no limits on mileage. 

HP could be right for you if you want to buy the car at the end of the agreement.

Personal Contract Purchase (PCP)

PCP is a finance plan where you make equal monthly payments over an agreed term, with a larger final repayment due at the end if you decide to keep the car. 

At the end of the agreement, you have three options. You can hand the car back to the finance company (the car must be in good condition and within the agreed mileage, otherwise charges may apply), part exchange it for another car on a new agreement (subject to status), or pay the final repayment to own the car.

PCP could be right for you if you’re thinking of changing your car in the next few years, or if you’re unsure whether you want to buy the car at the end of the agreement. 

Did you know?

PCP monthly payments are usually lower than HP payments. This is because a large part of the total amount payable is left to the end of the agreement. You also pay interest on the car’s value at the end of the term, which means that PCP can be more expensive overall.

Learn more about HP vs. PCP

How it works

  • Find your perfect car

    Choose from our wide range of thoroughly inspected, reconditioned and valeted cars.

  • Choose your deal

    Apply for finance online. You can also part exchange your old car and lower your finance costs.

  • Get approved

    Pay a deposit and sign all documents online. Then choose whether to collect your car or have it delivered to your door.

The better way to buy a used car

Browse and buy any of our cars online and we’ll either deliver it to your door or you can choose to collect it from one of our Customer Centres. All cars listed are owned by us, are in stock and have been thoroughly inspected and reconditioned to the highest standards.

Our comprehensive checks combined with our highly qualified technicians and Customer Support Team means that you can feel 100% confident when buying a Cazoo car.

Part exchange your old car

We’ll give you an instant valuation online. You'll lower your financing costs and we won’t charge you any admin or other fees. With Cazoo, the offer you see is the offer you’ll get, as long as your car is in the condition you described. And, to make life simple, we’ll take your old car off your hands when we deliver or when you collect your Cazoo car.

Part exchange at Cazoo

Cazoo 7-Day Money Back Guarantee

7-Day Money Back Guarantee

We don’t believe a quick spin around the block is nearly enough to make sure you love your car. We give you up to a week to drive it around and make sure it suits you. If for any reason, you change your mind within the 7 days, we’ll end your finance agreement and give you a full refund.

Still have questions?

See FAQs