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.
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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 whole process was simple, from enquiring about a car, confirming finance options to picking the car up. Thank you Cazoo!"
Jade
We work with a range of lenders including Black Horse
Black Horse is one of the UK's leading providers of car finance.
How it works
Find your perfect car
Browse our wide range of high-quality used Cazoo cars that are available to buy or finance.
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 to collect your car or have it delivered.
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.
Popular car finance questions
Yes, we do. Once you've found your perfect car, you can use our finance calculator to get an instant estimate of your monthly costs for a PCP or an HP agreement, based on our representative example APR of 8.9%.
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 24 hours to pay your deposit. If your deposit isn’t paid within 24 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.
If you've bought a car on finance, you can choose where you’d like to have it serviced or repaired. We have a national network of Cazoo Service Centres across the UK and hundreds of RAC approved garages for all your car care needs. You can request a booking at a location near you.
When you apply for finance a 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.
Find your next car on finance
Choose from a wide range of high-quality used Cazoo cars available to buy or finance online.
Stay protected with Cazoo Car Care
CazooCover Extended Warranty
Extend your warranty with CazooCover to stay protected from unexpected expenses after your car warranty has ended.
Learn about extending your warranty
CazooGuard Paint & Fabric Protection
Add CazooGuard Paint & Fabric Protection to your purchase in checkout to keep your car looking its best for longer.
Learn about Paint & Fabric Protection
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How Cazoo works
From buying a car online to home delivery or collection and more, discover how Cazoo works.
Learn about how it works
HP or PCP
Read about the difference between Personal Contract Purchase (PCP) and Hire Purchase (HP).
Learn about PCP and HP
Part exchange your car
Part exchanging your current car is a great way to help you pay for your next car, find out what you need to know.
Learn about part exchanging your car