We've made financing your car purchase simple

Find your perfect Cazoo car, apply for finance and sign your agreement all online. Pay your deposit, then have your car delivered in as little as 72 hours.

Why finance with Cazoo?

  • Competitive rates

    APR from as low as 8.9% representative

  • Quick & easy

    A decision within minutes

  • Fully online

    No need to print paperwork

The right 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)

Pay monthly and then own the car.

HP could be right if:

  • you know you want to own the car when your deal ends
  • you don’t mind making higher monthly payments than with a PCP deal
  • you don’t want to worry about keeping track of your mileage

Personal Contract Purchase (PCP)

Pay monthly and then, swap, buy or return the car.

PCP could be right if:

  • you're thinking of changing your car in the next few years
  • you want lower monthly repayments than HP
  • you're unsure whether you want to buy the car when your contract ends

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 documents online. Your Cazoo car will arrive at your door in as little as 72 hours.

The new way to buy a used car

Browse and buy any of our cars online and we’ll deliver it to your door. All cars listed are owned by us, are in stock and have been thoroughly inspected and reconditioned to the highest standards.

Our mechanics’ expertise combined with our comprehensive checks and customer support team means that you can feel 100% confident when it comes to 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 admin fees. With Cazoo, the offer you see is the offer you’ll get, as long as your car is in the condition you described. We’ll also collect your old car when we deliver your Cazoo car.

7-Day Money Back Guarantee

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

Your questions answered

We’re proud to work with leading car finance broker Evolution Funding who have been named 'Best Broker' at the Car Finance Awards for 4 years running. We have a panel of lenders including BNP Paribas and ZOPA who offer competitive rates and provide finance completely online.

Most of our customers receive a very competitive 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 driving licence.

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.

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.

Yes you can! Everything you need to know can be found here.

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