How it works
1. Enter a few personal details, such as your name and address.
2. Get your car finance eligibility report based on your credit profile.
3. Search for cars within your budget based on your personal APR.
Big savings on used cars! Up to £800 off selected models. Shop deals
Check your likelihood of being approved for car finance before you apply and browse cars suited to your monthly budget. We only carry out a soft credit check, so there's no risk to your credit rating.
1. Enter a few personal details, such as your name and address.
2. Get your car finance eligibility report based on your credit profile.
3. Search for cars within your budget based on your personal APR.
Get a clear indication within seconds.
Check your results with peace of mind.
See how much finance is likely to cost.
PCP: 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.
A soft credit check is usually carried out to understand if you’re eligible for certain products. It won't be visible to other lenders and there’s no limit to how many soft credit checks you can have. We’re unable to offer any financial advice.
If your eligibility results show that you’re unlikely to be accepted for car finance, there are a number of things you can do to help to improve your chances of being approved.
You can:
Make sure you don’t have any missed payments.
Avoid going over or close to your credit card limit.
Leave some time between credit applications.
Register to vote so it's easier for lenders to confirm your identity.
Speaking with credit reference agencies will also help you to understand how to improve your credit score.
Personal Contract Purchase (PCP)
PCP is a finance plan where you make equal monthly payments over an agreed term. You can then decide to either hand the car back to the lender, change it for another one or buy the car by making an optional final payment, including the option to purchase fee, to become the owner.
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 PCP agreement, so that when you come to the end of the agreement, you’ll own the car with a small ‘Option to Purchase’ fee.
Browse great value used cars that are available on HP or PCP finance.
Choose the right deal for you. You can also choose to 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.
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.
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.
APR is the annual cost of borrowing. It includes the interest you’ll pay on finance, as well as any fees associated with the borrowing. The APR figure must be shown on all quotations and advertising materials, so it’s a good way of comparing different finance deals.
There are two types of APR: actual and representative. They’re calculated in the same way, but representative APR means that at least 51% of the applicants will get the rate advertised. The remaining 49% of applicants will be offered a different, usually higher, rate. Actual APR is the interest rate you’ll get when borrowing.
A personal APR is when the annual cost of borrowing has been calculated for you based on individual factors, such as your financial situation and credit history. Your personal APR may be different to the representative APR we advertise on our website and is the likely interest rate you’d receive if you apply for finance.
Our car finance checker gives a good indication of your eligibility for car finance based on your credit profile. Without a full application, we can’t confirm if you’ll be approved for car finance. This is because the application process takes into account the amount you want to borrow and your personal circumstances, credit rating, employment status and your financial history.
To see your chances of being approved for a car finance agreement, we’ll ask for your:
Monthly budget
Name
Date of birth
Mobile phone number
Email address
Address history
Employment status
If you’re eligible for car finance, you’ll be able to search for cars that suit your budget.
We’ll ask you to enter your monthly payment budget, your preferred contract length, finance type and deposit amount. You’ll then be able to browse cars based on your criteria and personal APR.
Part exchanging your 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 carFind out more about buying a Cazoo car entirely online, from home delivery to collection.
Learn about buying a Cazoo carProtect your car for longer with our Extended Warranty and Paint & Fabric Protection.
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