Affordable Car Finance Deals in and around Harrogate

Looking for used cars in Harrogate? At ChooseMyCar, we make finding your next vehicle simple, affordable and stress-free. Whether you're upgrading, downsizing, or buying your first car, we offer quick access to a huge selection of quality and reliable used cars, all available to browse online from the comfort of your home. From flexible finance options to nationwide home delivery, we’re here to help you secure the right car at the right price, without the hassle!

Reviews 4386 • Excellent

ChooseMyCar operates as a credit broker, not a lender. We offer a variety of car finance options to suit different needs, including popular choices like Hire Purchase (HP) and Personal Contract Purchase (PCP), as well as specialised services. Our goal is straightforward: to make car financing easy and accessible for everyone. Interest rates start from 8.5% APR. For example, if you borrow £9,000 over 60 months months with a REPRESENTATIVE APR of 19.9% and no deposit, the monthly payment would be £229.95. The total cost would be £4,797.00, making the total amount payable £13,797.00.

Affordable Used Cars for Sale in Harrogate

  • Land Rover Defender 90

3.0 D300 MHEV X SUV 3dr Diesel Auto 4WD Euro 6 (s/s) (300 ps) Land Rover Defender 90

10,000 miles 2024 Zero Deposit

Home Delivery Available

£62,990
Harrogate
£1048/month
Example
  • BMW M5

4.4 22.1kWh Saloon 4dr Petrol Plug-in Hybrid Steptronic xDrive Euro 6 (s/s) (727 ps) BMW M5

7,082 miles 2024 Zero Deposit

Home Delivery Available

£86,990
Harrogate
£1448/month
Example
  • Audi R8

5.2 FSI V10 S Tronic quattro Euro 6 (s/s) 2dr Audi R8

17,699 miles 2020 Zero Deposit

Home Delivery Available

£89,950
£1497/month
Example
  • Porsche 911

3.0T 991 Carrera T Euro 6 (s/s) 2dr Porsche 911

24,585 miles 2018 Zero Deposit

Home Delivery Available

£72,990
£1215/month
Example
  • Aston Martin DB12

4.0 V8 Auto Euro 6 (s/s) 2dr Aston Martin DB12

6,851 miles 2024 Zero Deposit

Home Delivery Available

£149,990
£2496/month
Example
  • Ferrari 488

3.9T V8 Spider F1 DCT Euro 6 (s/s) 2dr Ferrari 488

11,745 miles 2017 Zero Deposit

Home Delivery Available

£164,950
£2745/month
Example
  • BMW 5 Series

2.0 530e 22.1kWh M Sport Pro Steptronic Euro 6 (s/s) 4dr BMW 5 Series

799 miles 2025 Zero Deposit

Home Delivery Available

£53,950
£898/month
Example
  • Porsche 911

3.0T 992 Carrera 4S PDK 4WD Euro 6 (s/s) 2dr Porsche 911

24,114 miles 2020 Zero Deposit

Home Delivery Available

£88,990
£1481/month
Example
  • Lamborghini Huracan

5.2 V10 LP 640-4 EVO Spyder 2dr Petrol LDF 4WD Euro 6 (s/s) (640 ps) Lamborghini Huracan

6,999 miles 2023 Zero Deposit

Home Delivery Available

£237,950
£3959/month
Example
  • Audi A6 Allroad

3.0 TDI [218] Quattro 5dr S Tronic HIGHLY MAINTAINED VERY CLEAN EXAMPLE Audi A6 Allroad

99,000 miles 2016 Zero Deposit

Home Delivery Available

£11,990
Bradford
£251/month
Example
  • Jaguar F Pace

2.0d R-Sport AWD Auto 180ps Jaguar F Pace

42,667 miles 2019 Zero Deposit

Home Delivery Available

£18,500
Bradford
£388/month
Example
  • Mercedes Benz C-Class

2.0 C200 AMG Line (Premium) G-Tronic+ Euro 6 (s/s) 2dr Mercedes Benz C-Class

78,000 miles 2018 Zero Deposit

Home Delivery Available

£14,500
Harrogate
£304/month
Example
  • Audi E-Tron S

Auto quattro 5dr 95kWh Audi E-Tron S

57,529 miles 2021 Zero Deposit

Home Delivery Available

£25,803
Harrogate
£429/month
Example
  • Land Rover Range Rover Velar

2.0 D200 MHEV R-Dynamic SE SUV 5dr Diesel Auto 4WD Euro 6 (s/s) (204 ps) Land Rover Range Rover Velar

72,000 miles 2021 Zero Deposit

Home Delivery Available

£23,995
Bradford
£399/month
Example
  • Volvo V40

2.0 T2 R-Design Hatchback 5dr Petrol Manual Euro 6 Volvo V40

82,071 miles 2016 Zero Deposit

Home Delivery Available

£6,950
Leeds
£146/month
Example
  • Toyota AYGO

1.0 VVT-i x-cite Hatchback 5dr Petrol Manual Euro Toyota AYGO

67,635 miles 2016 Zero Deposit

Home Delivery Available

£5,800
Leeds
£122/month
Example

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Learn More About Car Finance

Car Finance Deals Harrogate

When you need a new car and car finance in Harrogate, ChooseMyCar is your first destination. We are the experts in finding you the right car and the right finance deal, whatever your circumstances. Whether you have no deposit, bad credit history or want to part exchange, we are here to find you the car that you need. ChooseMyCar.com works with a national network of over 2,500 car dealers that have all of the latest makes and models to suit your budget and needs.

Find full details online, contact us to choose your car and we’ll arrange the finance and negotiations for you. When it’s all good to go your car will be delivered directly to your door – it couldn't be easier!

Person exploring interior of red car
Financial advisor meeting with client

Bad Credit Car Finance Harrogate

Worried about your credit history? Don't be. ChooseMyCar, right here in Harrogate, can provide ready access to bad credit car finance, from a large panel of trusted lenders. Whatever your financial position and history, we can find you the finance deal you need – even if you don't have a deposit. We also handle the entire application process and negotiations for you, so it's stress-free and easy.

We're here to find the right lender and the right deal for you so that you can relax and look forward to taking ownership of your new car.

No Deposit Car Finance Deals in Harrogate

At ChooseMyCar, we offer no deposit car finance in Harrogate through lenders specialising in zero-down deals, increasing your approval chances.

Our network of Harrogate lenders and dedicated account managers help you make informed decisions, making car ownership more accessible.

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Finance Calculator: How Much Can You Afford to Spend On A Car?

£8,000

4 Years

£190.42
48 monthly repayments

Best available rate 6.9%

Total cost of credit £1,140.16

Total repayment £9,140.16

Get a quote No impact on your credit score

Representative example:

Borrowing £9,000 over 60 months with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £229.95 per month, with a total cost of credit of £4,797.00 and a total amount payable of £13,797.00

We’re rated Excellent on Trustpilot

4.9 out of 5 on 4386 Reviews

28
01/03/2026

Reece was excellent!

Reece was excellent. As was his colleague, great car and fair price. Finance was transparent so i knew how much choosemycar were making on the deal, which i appreciated!
Harry

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. When you buy it, we'll arrange for it to be picked up and delivered to you in Harrogate as soon as the paperwork is complete - just tell us what you need.

Dealership warranties vary, typically lasting 12 months. Newer cars may have longer original warranties. Electric vehicles often have extended coverage. Always check with your local dealership In Harrogate, for specific used car warranty details.

We would love to hear from you