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Car finance checker

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.

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.

Get started

  1. See your chance of approval

    Get a clear indication within seconds.

  2. No impact to your credit score

    Check your results with peace of mind.

  3. Understand your personal APR

    See how much finance is likely to cost.

Finance representative example

HP: Total cash price £16,000. Borrowing £14,000 with a £2,000 deposit at a representative APR of 11.9%, fixed interest rate per annum of 6.18%, 48 monthly payments of £363.77. £10 option to purchase fee, total cost of credit is £3,470.96, total amount payable is £19,470.96. T&Cs apply.

Our representative rates are reviewed regularly and are subject to change.

A soft credit check won’t affect future credit applications

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.

How to improve your chance of being approved

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.

Choose from our affordable car finance deals to suit your monthly budget

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.

How financing a Cazoo car works

  1. Find your Cazoo car

    Browse great value used cars that are available on HP or PCP finance.

  2. Apply for finance online

    Choose the right deal for you. You can also choose to part exchange your old car.

  3. Sign your agreement

    Get approved within minutes, pay a deposit and sign all documents online.

  4. Book your car handover

    Collect your car from a Customer Centre or we'll deliver it to your door.

Our partners

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

    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

    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.

Why choose Cazoo

Buy or finance your next car entirely online. Choose delivery or collection at a time that suits you, 7 days a week.

  1. Great value cars

    Competitive prices and HP or PCP finance deals.

  2. Easy part exchange

    Lower the cost of your car. Same-day exchange.

  3. Quality checked

    Mechanical and safety checked, plus recent MOT if needed.

  4. 90-Day Warranty

    Included with your car. Plus 24/7 RAC breakdown cover.

  5. Money Back Guarantee

    More comprehensive than a test drive.

Popular questions about car finance eligibility

Check your eligibility today

Check now

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