Looking for used car finance deals? CarFinanced searches our full panel of trusted lenders to find the most competitive second hand car finance available. Whether you want used vehicle financing with no deposit, part-exchange on your current car, or used car finance with bad credit — we find used car finance deals tailored to your budget and credit profile. Own the car outright at the end. FCA regulated, free quote in minutes.
CarFinanced is a credit broker not a lender. Representative example: Borrowing £5,500 over 4 years with flat rate of 10.4% and a representative APR of 19.8%, and a deposit of £0, the amount payable would be £162 per month, with a total cost of credit of £2,282 and total amount payable of £7,782. Finance subject to status. 18+ only.
Used Car Finance Deals Available
Used Car Finance Deals
Spread the full cost of your second hand car across fixed monthly payments and own it outright at the end — for just £10.
Second Hand Car Finance
Finance any used or second hand car — same fixed payments, no mileage restrictions, full ownership at the end.
Used Car Finance With No Deposit
Zero upfront cost available — we arrange used vehicle financing with no deposit through our lender panel.
Bad Credit Used Car Finance
Poor credit, CCJs, or defaults? We still find competitive used car finance deals from lenders who consider all credit histories.
Used Cars 0 Finance Rates Available
We search the market for the lowest rate used car finance deals — including 0% and low APR options where available, subject to status.
Used Car Finance Snapshot
Spread the cost with fixed monthly payments
No mileage restrictions like PCP
Own the car after the final payment + option to purchase fee (ONLY £10)
Deposit
May be required depending on the lender; 0% deposit options may be available.
Fixed term
Followed by a fixed monthly amount for the period of the loan.
Making car finance simple for 10,000+ customers
“I’ve used CarFinanced after being recommended by a friend and I’m so glad I did. Hass was brilliant from start to finish — kept me updated throughout and made sure I understood everything before signing anything. Got a great rate and the whole thing was sorted quicker than I expected. Will definitely be coming back when it’s time to upgrade.“
Albert James
Happy customer
“Quick, simple process. My account manager was great throughout. Very helpful, professional and quick with responses to any questions I had”
Kirsty Baillie
Happy customer
“I’ve bought many cars using finance companies in the past but none have been as good as CarFinanced. Special thanks and shout out to Hass for overseeing the process and ensuring I got the best deal on my new car in a very quick turnaround also.”
Mike Davis
Happy customer
“Honestly wasn’t sure what to expect but CarFinanced made the whole process really straightforward. Hass sorted everything out for me and was always on hand to answer any questions I had. Got into my new car way faster than I thought possible. Great service all round.”
Maria David
Happy customer
Your monthly payment will depend on a few things:
How much deposit you would like to pay
The period your agreement runs for
The interest rate on the loan
The car you decide on
How Does Used Car Finance Work?
Used car finance is a loan covering the cost of your chosen second hand vehicle, minus any deposit you choose to pay.
You repay the loan monthly at a fixed agreed amount, including interest — so your payment never changes throughout the agreement.
Agreements typically run 1 to 5 years. At the end, you make a small option-to-purchase payment (usually around £10) and the car is fully yours.
Ready to apply for used vehicle financing? We run a soft search first — no credit score impact. All credit scores considered, including bad credit and CCJs.
Why Get Your Used Car Finance Through CarFinanced
CarFinanced was built to help people drive the car they really want. Our mission is to give you the options so that you can make the best decision based on your personal circumstances.
No matter what your credit score looks like, we can help find you the best hire purchase deal. So whether it’s the new family car with the big boot, or a 2 seater sports car for a weekend blast, we are here to help.
Frequently Asked Questions
Can I finance a used car with CarFinanced?
Yes. CarFinanced arranges used car finance and second hand car finance on vehicles of any age, make, or model. We search our full lender panel to find the most competitive used vehicle financing deal for your situation.
What is second hand car finance?
Second hand car finance is a loan that lets you spread the cost of a used car across fixed monthly payments. With hire purchase (HP), you own the car outright at the end of the agreement — no balloon payment, no mileage limit.
Can I get used car finance with no deposit?
Yes. Zero deposit used car finance is available through CarFinanced, subject to lender approval. We search lenders who offer 0% deposit options on second hand cars.
Is 0% finance available on used cars?
0% APR deals are rare on used cars but low-rate used car finance deals are available. CarFinanced searches the whole market to find the lowest rate available for your credit profile and the vehicle you choose.
Can I get used car finance with bad credit?
Yes. We work with specialist lenders who consider all credit scores for used car finance, including poor credit, CCJs, and defaults. A less-than-perfect credit history does not automatically disqualify you.
What is the difference between used car finance and a car loan?
Used vehicle financing (HP or PCP) is secured against the car, which often makes it easier to obtain than an unsecured personal loan. CarFinanced arranges used car finance, not personal loans — we broker the deal between you and the lender.
How do I apply for used car finance?
Apply online in minutes. We run a soft search — no credit score impact — and return an in-principle decision. Once approved, you choose your second hand car and we arrange the finance.
Can I part-exchange my car when getting used car finance?
Yes. You can use your current car as part-exchange to offset the cost of the used car you’re buying, potentially reducing your monthly repayments.
SAF Approved
About us
We pride ourselves on helping as many people as possible drive away in the car they want, without compromise. We understand that every car buyer has a different set of circumstances, so we work tirelessly to ensure we find the right car finance deal for you. Get your personalised quote today.
Contact info
- The Charter Building, Charter Place, Uxbridge, UB8 IJG
- info@carfinanced.co.uk
- 020 3917 4707
CarFinanced is a trading name of CarFinanced Limited. Registered address: The Charter Building, Charter Place, Uxbridge, UB8 1JG, England. Company number: 13109658.
VAT reg number: GB479628529. Information Commissioners Office (ICO) under registration number: ZA847951.
CarFinanced Ltd t/a CarFinanced is authorised and regulated by the Financial Conduct Authority under reference number 1014460.
We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. Depending on the supply route of your vehicle, we may charge a separate administration fee of £299. We will receive a commission from our panel of lenders when a finance agreement is successfully arranged. This commission may be a fixed fee or a fixed percentage of the amount borrowed, this does not influence the interest rate you’re offered in any way. All finance is subject to status and income. Applicants must be 18 or over.
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