Car finance

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 in as little as 72 hours.

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 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 work with Black Horse who are a lender and Evolution Funding who are a broker to find you competitive finance all online.

Black Horse is one of the UK’s leading providers of car finance. Evolution Funding has been named ‘Best Broker’ at the Car Finance Awards for 4 years running and work with a panel of lenders, including BNP Paribas and Zopa.

Most of our customers receive a very competitive APR of 8.9% representative.

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! Whether you have a HP or PCP agreement, you have the right to end your agreement at any time by paying off the remaining balance in full. If you have paid half of the total amount payable and are up-to-date with your monthly payments you also have the right to simply hand the car back. This is known as your voluntary termination rights.

If you want to pay off your HP agreement early, you’ll own the car outright but may need to pay an early settlement fee.

For a PCP agreement, the car’s mileage and condition will need to be line with your terms and conditions.

Find your next car

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