Discover Cheap Used
Cars on Finance

Search 136,816 Cars Check Your Eligibility

Rates from 9.9% APR. Representative APR 19.9%.
ChooseMyCar is a credit broker, not a lender.

FREE
Car Finance
Quote

Rates from 9.9% APR

Search 136,816 Cars Check Your Eligibility

Rates from 9.9% APR. Representative APR 19.9%.
ChooseMyCar is a credit broker, not a lender.

TrustPilot

We’re rated
Excellent 5 star

Search 136,816 Cars Check Your Eligibility

Rates from 9.9% APR. Representative APR 19.9%.
ChooseMyCar is a credit broker, not a lender.

Buy online with
Home Delivery

Search 136,816 Cars Check Your Eligibility

Rates from 9.9% APR. Representative APR 19.9%.
ChooseMyCar is a credit broker, not a lender.

Compare Used
Cars On Finance

Search 136,816 Cars Check Your Eligibility

Rates from 9.9% APR. Representative APR 19.9%.
ChooseMyCar is a credit broker, not a lender.

Discover Cheap Used
Cars on Finance

FREE
Car Finance
Quote

Rates from 9.9% APR

TrustPilot

We’re rated
Excellent 5 star

ChooseMyCar is Ranked #1 out of 108 companies in the section Car Finance and Loan Companies with 5 Star Reviews.

Buy online with
Home Delivery

Compare Used
Cars On Finance

Click. Save. Drive.

We’re the Peoples Car Buying Service

Imagine having your own personal assistant that takes care of everything for you, well that’s us.

You can search thousands of affordable used vehicles and we’ll even arrange the finance for you, no matter what your credit score.

If you’re not sure what car you want, your dedicated car buyer will help you make the right choice, so you can get behind the wheel of your next car pronto!

Read more about our customer care guarantee

Customer Care

We’re rated Excellent on Trustpilot

4.9 out of 5 on 1774 Reviews

Our Mission Is To Make You Happy

You’re In safe hands

We thoroughly vet with the Dealerships and Lenders we work with to ensure you’re in safe hands every step of the way.
All our Lenders are approved and authorised by the Financial Conduct Authority.

Help you save money

We perform car value checks on your behalf so you never pay over market value. Our team is focused on saving you money and we have a constant eye on the used car market to ensure you get the best deals.

Non Judgemental

Whether you want a pink Ferrari or a yellow Honda Civic, we don’t care as long as you get the car you want at the right price, and finance that’s affordable for you.

ChooseMyCar Team

Who Are ChooseMyCar

Real people checking the cars, looking at options and sorting delivery for you.

Real people doing the legwork to find finance and negotiate with dealerships.

Real people, here in the UK, taking all the hassle out of buying your next car with you personally.

Frequently Asked Questions

Absolutely! Our team will guide you through the whole process, from arranging finance to securing your car and getting it delivered right to your door. It doesn’t matter where in the UK your car is when you buy it, we’ll arrange for it to be picked up and delivered to you as soon as the paperwork is complete – just tell us what you need.

At ChooseMyCar we understand that your Credit Score isn’t the whole story. Life changes. That’s why we work with specialist lenders to arrange Car Finance even if you’ve had bad Credit in the past. So long as you can demonstrate your ability to cover your repayments every month, we should be able to get you the Car Finance you need.

A balloon payment, as you’d find in a PCP Finance agreement, is a voluntary final lump sum payment for buyers who want to buy their car outright at the end of their finance. The amount you pay is agreed at the start of your finance and the value of a car can go both up and down before the balloon payment is due. If the value of your car increases then you might be quids in on a balloon payment. If it depreciates more than you expect then your lender may get the better deal.

Either way, by splitting the cost into three parts in a PCP arrangement your Monthly cost will be significantly less than with a Hire Purchase deal. You also get a choice to move onto another vehicle or give the car back, skipping the balloon payment entirely.

That depends on the dealership but most dealerships will include one – though it may only last 12 months. It may also be that your car is still covered by its original warranty, especially if it’s under 3 years old when you buy it. Some Hyundai and Kia models have a warranty as long as 5 years. Electric cars often have powertrain warranties stretching to 8 years..

Check with your dealership if you’re looking for a warranty on a used car.

The interest rate and fees (APR) you’ll be charged on your Finance will depend on a number of factors, including your credit rating. The lowest APR we currently offer is as low as 9.9% on a PCP deal. For a car worth £20,000 and a downpayment of £2000 over Four years will cost £350 a month.