Car finance

Yes, we do. If you're looking to purchase a car with HP finance, you can use our HP finance calculator before you get started.

If you're interested in a PCP finance deal, simply find a Cazoo car you like and click ‘View finance options’ on the car details page. You’ll then be able to get an instant estimate of your monthly costs for a PCP agreement, based on our representative example APR of 12.9%.

We’ll give you an instant finance decision wherever possible, but sometimes it may take longer. We’ll keep you updated on your application’s progress.

During your application, we'll need your personal details, employment details, address history, bank account details and a copy of your photo driving licence.

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.

After you’ve paid your deposit, you’ll have until midday the day before delivery or collection to sign your documents. If your delivery or collection day is on a Monday, you’ll need to sign your documents by midday on Saturday.

Applying for finance may affect your credit score. This is because the lender will run a hard credit check on your credit profile. Too many hard credit checks over a short period can affect your credit score for six months, which could reduce your ability to get approved for credit.

If you’d like to see your likelihood of being approved for car finance before you apply, you can use our car finance checker. We’ll give you a clear indication within seconds and you can also browse cars suited to your budget. It only runs a soft credit check, so there’s no impact to your credit score.

If you have a low credit score, you may not be accepted for car finance at Cazoo. The good news is that there are a number of things you can do to help to improve your score and likelihood of being accepted in the future:

• Make sure you don’t have any missed regular payments, such as your mobile phone bill.

• Avoid going over or close to your credit card limit.

• Leave some time between applying for credit applications. Too many hard credit searches can affect your score. 


• Register on the electoral roll at your current address.

The better your credit score is, the more likely you are to be approved for car finance and to pay less interest overall.

If you’d like to learn more about improving your credit rating, visit Experian for more useful tips and information.

If you've bought a car on finance, you can choose where you’d like to have it serviced or repaired.