Finance a used car with fixed monthly payments
Find your 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.
Big savings on used cars! Up to £800 off selected models. Shop deals
Spread the cost of a Cazoo car with finance plans tailored to your budget. Plus, you can check your eligibility before you get started, without any impact on your credit score.
Find your 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.
Browse great value used cars that are available to buy or finance.
Choose the right finance deal for you. You can also part exchange your old car.
Get approved within minutes, pay a deposit and sign all documents online.
Collect your car from a Customer Centre or we'll deliver it to your door.
As we're a finance broker not a lender, we’ll do our best to find a budget-friendly deal for you.
HP finance allows you to spread the cost of the car by making monthly payments over an agreed term. It could be right for you if you want to buy the car at the end of the agreement, without making a large final payment.
Learn more about HP financeWith PCP finance, you make equal monthly payments over an agreed term. At the end of the agreement, you can decide to hand the car back to the lender, change it for another one or buy the car with an 'optional final payment'.
Learn more about PCP financePCP: Total cash price £16,500. Borrowing £14,500 with a £2,000 deposit at a representative APR of 12.9%, fixed interest rate per annum of 6.71%, 48 monthly payments of £275.81 followed by 1 optional payment of £6,665 including a £10 option to purchase fee, total cost of credit is £5,403.88, total amount payable is £21,903.88, annual mileage limit of 10,000 miles and an excess mileage charge of 4p/mile. T&Cs apply.
Our representative rates are reviewed regularly and are subject to change.
Competitive car finance with APRs from 12.9% representative.
The majority of applications get an instant finance decision.
HP or PCP finance available, with plan lengths tailored to you.
Chat with us or browse car finance FAQs, entirely online.
We work with finance lenders, including Black Horse, to find you competitive finance all online. We also work with Evolution Funding, who are a broker.
Black Horse, part of Lloyds Banking Group, is one of the UK’s leading providers of car finance and has helped over 200,000 customers find motor finance.
Evolution Funding has been named ‘Best Broker’ at the Car Finance Awards for seven years running and works with a panel of lenders, including Santander.
See your likelihood of being accepted before you apply with our car finance checker. You can browse cars suited to your monthly budget and we’ll also tell you your likely personal APR.
Buy or finance your next car entirely online. Choose delivery or collection at a time that suits you, 7 days a week.
Competitive prices and HP or PCP finance deals.
Lower the cost of your car. Same-day exchange.
Mechanical and safety checked, plus recent MOT if needed.
Included with your car. Plus 24/7 RAC breakdown cover.
More comprehensive than a test drive.
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.
Choose from a wide range of great value used cars available to buy or finance online.
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Protect your car for longer with our Extended Warranty and Paint & Fabric Protection.
Learn about our aftercare extrasFrom buying a car online to home delivery or collection and more, discover how buying a Cazoo car works.
Learn about how buying a car worksStruggling to decide which finance option is best for you? Our helpful guide explains the differences.
Read our PCP vs HP guide