Car finance

We've made financing your used car simple

Find your perfect Cazoo car, apply for finance and sign your agreement all online. Pay your deposit, then have your car delivered to your door or collect it from one of our Customer Centres.

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Why finance your Cazoo car?

  • Competitive rates

    APR from as low as 8.9% representative.

  • Quick & easy

    A decision within minutes.

  • Fully online

    From the comfort of your home.

"The whole process was simple, from enquiring about a car, confirming finance options to picking the car up. Thank you Cazoo!"


We work with a range of lenders including Black Horse

Black Horse is one of the UK's leading providers of car finance.

How it works

  • Find your perfect car

    Browse our wide range of high-quality used Cazoo cars that are available to buy or finance.

  • Choose your deal

    Apply for finance online. You can also part exchange your old car and lower your finance costs.

  • Get approved

    Pay a deposit and sign all documents online. Then choose to collect your car or have it delivered.

Are you eligible for car finance?

See your likelihood of being accepted before you apply.

The right car finance deal for you

Choose from our monthly payment options. As we're a finance broker not a lender, we’ll always find a competitive deal for you.

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term. 

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you’ll own the car. 

Unlike PCP, there are no limits on mileage. 

HP could be right for you if you want to buy the car at the end of the agreement.

Personal Contract Purchase (PCP)

PCP is a finance plan where you make equal monthly payments over an agreed term, with a larger final repayment due at the end if you decide to keep the car. 

At the end of the agreement, you have three options. You can hand the car back to the finance company (the car must be in good condition and within the agreed mileage, otherwise charges may apply), part exchange it for another car on a new agreement (subject to status), or pay the final repayment to own the car.

PCP could be right for you if you’re thinking of changing your car in the next few years, or if you’re unsure whether you want to buy the car at the end of the agreement. 

Did you know?

PCP monthly payments are usually lower than HP payments. This is because a large part of the total amount payable is left to the end of the agreement. You also pay interest on the car’s value at the end of the term, which means that PCP can be more expensive overall.

Learn more about HP vs. PCP

Popular car finance questions

Find your next car on finance

Choose from a wide range of high-quality used Cazoo cars available to buy or finance online.

Stay protected with Cazoo Car Care

  • CazooCover Extended Warranty

    Extend your warranty with CazooCover to stay protected from unexpected expenses after your car warranty has ended.

    Learn about extending your warranty
  • CazooGuard Paint & Fabric Protection

    Add CazooGuard Paint & Fabric Protection to your purchase in checkout to keep your car looking its best for longer.

    Learn about Paint & Fabric Protection

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  • How Cazoo works

    From buying a car online to home delivery or collection and more, discover how Cazoo works.

    Learn about how it works
  • HP or PCP

    Read about the difference between Personal Contract Purchase (PCP) and Hire Purchase (HP).

    Learn about PCP and HP
  • Part exchange your car

    Part exchanging your current car is a great way to help you pay for your next car, find out what you need to know.

    Learn about part exchanging your car