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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APR from as low as 9.9% representative.
A decision within minutes.
From the comfort of your home.
Finance representative example (PCP): Total cash price £18,725. Borrowing £16,725 with a £2,000 deposit at a representative APR of 9.9%, fixed interest rate per annum of 5.13%, 48 monthly payments of £267.57 followed by 1 optional payment of £8,923.00 including a £10 option to purchase fee, total cost of credit is £5,041.36, total amount payable is £23,766.36, annual mileage limit of 10,000 miles and an excess mileage charge of 4p/mile. T&Cs apply.
Jade
Black Horse is one of the UK's leading providers of car finance.
Browse our wide range of high-quality used Cazoo cars that are available to buy or finance.
Apply for finance online. You can also part exchange your old car and lower your finance costs.
Pay a deposit and sign all documents online. Then choose to collect your car or have it delivered.
See your likelihood of being accepted before you apply.
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.
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.
Choose from a wide range of high-quality used Cazoo cars available to buy or finance online.
Extend your warranty with CazooCover to stay protected from unexpected expenses after your car warranty has ended.
Learn about extending your warranty
Add CazooGuard Paint & Fabric Protection to your purchase in checkout to keep your car looking its best for longer.
Learn about Paint & Fabric Protection
From buying a car online to home delivery or collection and more, discover how Cazoo works.
Learn about how it works
Whether you choose delivery or collection, here's what to expect when the big day arrives.
Learn about our car handovers
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