Buy Used Cars
On Finance

Whether you want a compact car, SUV, or something eco-friendly, we've got it. Start your search now and find your perfect car!

We’re rated Excellent Trustpilot 4.9 out of 5 with 4332 Reviews

Find and Finance
Your New Car Today

Buy a car on finance through us and experience a straightforward, hassle-free process every step of the way. With thousands of cars to choose from, you can explore your options, compare features, and find the one that’s just right for you.

Volkswagen Golf-gti

Browse Affordable Used Cars On Finance

Save without compromising with our cheap used cars on finance. Explore a wide range of quality vehicles to match your style, needs, and budget.

Nissan Qashqai

Nissan Qashqai

Automatic 5 miles Petrol Zero Deposit
Volkswagen Golf

VW Golf R

Automatic 100 miles Petrol Zero Deposit
Vauxhall Mokka

Vauxhall Mokka

Automatic 5 miles Petrol Zero Deposit
Ford Ranger

Ford Ranger

Automatic 45 miles Diesel Zero Deposit
Skoda Enyaq

Skoda Enyaq

Automatic 2,135 miles Electric Zero Deposit
Ford Fiesta

Ford Fiesta

Manual 2,280 miles Petrol Zero Deposit
Renault Clio

Renault Clio

Automatic 5 miles Petrol Zero Deposit
Skoda Kamiq

Skoda Kamiq

Automatic 7,758 miles Petrol Zero Deposit
Ford Transit

Ford Transit

Manual 800 miles Diesel Zero Deposit
Nissan Navara

Nissan Navara

Automatic 24,000 miles Diesel Zero Deposit
Kia Sportage

Kia Sportage

Automatic 10,235 miles Petrol Zero Deposit
Seat Ibiza

SEAT Ibiza

Manual 16,915 miles Petrol Zero Deposit

Search By Body Style

From nimble hatchbacks and stylish saloons to spacious estates and versatile SUVs, we offer a broad selection of car body types so you can find exactly what you’re looking for.

ChooseMyCar Team

Why ChooseMyCar?

Your Personal Car Buying Service UK – connecting you to FCA-approved lenders. We make the process of buying a car simple, transparent, and stress-free by securing deals tailored to what you can comfortably afford. With thousands of satisfied customers and a proven reputation for trust, expertise, and value, we’re here to ensure your next car purchase is the easiest one yet.

About Us

We’re rated Excellent on Trustpilot

4.9 out of 5 on 4332 Reviews

Flexible Ways To Pay For Your Next Car

We provide a range of flexible car payment options to help you comfortably spread the cost of a car. Our car payment plans include popular HP and PCP choices, giving you the flexibility to find what works best for you. Use the car finance calculator below to get a clear idea of what you can afford and explore your options. We also offer support for those with less-than-perfect credit, helping more people get behind the wheel.

How Buying A Used Car On Finance Works

Buying a used car on finance is simple and straightforward. Just follow the three easy steps below to get started and drive away in your next car with confidence.

Click.

Complete a quick 2-minute application. ChooseMyCar will compare quotes and offers from our extensive panel of lenders to find the best APR for you, all without impacting your credit score.

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Save.

Save time and money with ChooseMyCar. We quickly find the best car deals and financing options for you, so you don't have to.

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Drive.

It's a simple and secure process. We handle the electronic paperwork and dealer negotiations for you. Once everything's signed and the funds are transferred, you're ready to pick up your car!

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Customer Reviews & Real Stories

Buying a used car on finance is simple and straightforward. Just follow the three easy steps below to get started and drive away in your next car with confidence.

Very helpful…

talked me through everything and was so helpful and understood I was on holiday, so didn’t inundate me with phone calls.

Sarah

Everything was just made so easy…

from applying for finance, choosing the car and taking delivery of it!

Sandra

Friendly, efficient and professional…

A special mention to Jagoda who was exceptional, a true asset to your company.

Simon

Frequently Asked Questions

Simply apply using our quick online finance form. We’ll contact our panel of up to 20 trusted lenders and aim to get you a decision within minutes. Your offers will be shared in your secure members area, and our team will be in touch to arrange the finance. If you haven’t already found a car, we’ll even help you source the perfect one.

Absolutely. Out of our 20 lenders, several specialise in helping customers with low or poor credit scores. Many of these lenders also offer zero-deposit options, so you won’t be excluded even if your credit history isn’t perfect. You can discover more by visiting our bad credit car finance page.

Hire Purchase (HP) allows you to spread the cost of your car across fixed monthly payments, and once the final instalment is paid, you own the vehicle outright. Personal Contract Purchase (PCP) usually offers lower monthly payments, with flexibility at the end of the agreement — you can return the car, pay a final balloon payment to keep it, or upgrade to a new vehicle.

Nearly all of our lenders accept zero deposits. However, if you do have a deposit or positive equity from a part exchange, this can help strengthen your application and may improve the finance rate offered to you.

We can often arrange finance and secure your new car the very same day. That said, we’ll always work at your pace — so whether you need a car urgently or want to take your time, you’ll be in safe hands.

Yes. We only work with reputable dealerships, and your personal car buyer will ask all the right questions on your behalf. Every car is also HPI-checked, so we can confirm its history and ensure it meets our quality standards before you buy.

Most lenders will need to see your driving licence, and in some cases proof of income if your details can’t be verified automatically. Don’t worry — we’ll let you know exactly what’s required for your application.

Yes. Many of our dealers accept part exchanges, and you can use the value of your current car as part of your deposit. This can help reduce your monthly payments, and if you have positive equity in your car, it could even improve the rate you’re offered.

We’re more than just a broker. Not only do we arrange your finance through our panel of lenders, but we also check the dealership is reputable, HPI the vehicle, review its history, help arrange delivery, and can even secure one of the UK’s best warranties for you. We’re with you every step of the way. Find out more about ChooseMyCar by visiting our About page.

No. We don’t charge our customers any fees. We’re paid by the lender once your finance is arranged — but we always ensure you’re offered the best deal available for your circumstances.