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Hire Purchase (HP)
Learn how to spread the cost of your Cazoo car with HP finance.
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How finance works
Placing an order
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Registration, insurance and tax
Warranty and MOT

How finance works

What types of car finance do you offer?
What’s the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?
How do I apply for finance?
How much deposit do I need to apply for a car on finance?
How long does it take to get a financing decision?
How old do I need to be to get financing?
What information is needed for a financing decision?
Why do you need my personal details?
Can I apply for finance with a provisional driving licence?
How long do I have to live in the UK to get a Cazoo car on finance?
Do you have a finance calculator?
How does the finance calculator work?
How long is my finance offer valid for?
What do I need to do after being approved for finance?
Can I settle my finance early?
Will applying for finance affect my credit score?
What’s the difference between a soft and a hard credit check?
If I apply for finance, how do I know I’m getting a good rate?
Which finance providers do Cazoo work with?
I applied for PCP finance and have only been offered HP. Why has this happened?
When is my first monthly payment due?
Can I withdraw from my finance agreement and keep the car within the first 14 days?
Can I withdraw from my finance agreement and return the car within the first 14 days? If so, what happens to my car?
If I withdraw from my finance agreement, can I use the 7-Day Money Back Guarantee or any other right of return?

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Cazoo Ltd is an appointed representative of ITC Compliance Limited (ITC) which is authorised and regulated by the Financial Conduct Authority (ITCs firm reference number is 313486). Permitted activities include entering into regulated hire agreements, advising on and arranging general insurance contracts as an intermediary and acting as a credit broker not a lender. Finance is only available to UK residents aged 18 or over, subject to status. We can introduce you to a limited number of lenders to finance your car purchase. We do not charge fees for our consumer credit services, but we might receive a payment or other benefits from those lenders or our brokers if you enter into an agreement with them. The payment or benefit we receive varies by lender and product type and is based on a fixed fee or fixed percentage of the amount you borrow. It does not impact the rate you are offered.*The average saving of £700 is based on our daily cash sale price compared against the list price of similar used cars (in terms of model, mileage and age) on a major UK automotive comparison site. This data was sourced from July - September 2023 and is accurate as of October 2023. The average Cazoo prices used may include promotions.© 2023 Cazoo Ltd. All rights reserved