Used Car Finance

Apply online for your used car finance and get a decision in minutes.

Finance a used car anywhere in the UK!

For many, the way to get the best value for money is by purchasing a second-hand car. At Quick Car Finance, we are here to help you find the best possible used car finance deal for whichever used car you’ve got in mind. Whether it’s an old or a newer model you’re looking for, financing your used car starts here.

Woman in a purple shirt sat on the front of a white Hyundai


Our used car portal has thousands of used cars that have been vetted and are ready to finance.

Visit our used car portal.

What is bad credit car finance?

Check your used car loan affordability

Do you have your dream used car already in mind? The next step is to assess your income and outgoings to see what used car finance deals are affordable for you.

Rates from 7.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative APR 19.8%.

Representative example: borrowing £7,500 over 5 years with a representative APR of 20.25%, an annual interest rate of 20.25% (Fixed) and a deposit of £0.00, the amount payable would be £192.84 per month, with a total cost of credit of £4070.40 and a total amount payable of £11,570.40.

We will always provide the best rate from our panel of lenders and based on your individual circumstances. We do not charge any fees for our service. But we earn a commission from the lenders we work with. This does not affect the interest rate you will be offered.

Used Cars

What are the options for second-hand car finance?

While we believe car finance should be straightforward, we also believe in giving our clients as many options as possible. Find a breakdown of our different financing plans for used cars below:

  • Personal Contract Purchase (PCP) - You can make a deposit (minimum 10%), and then make fixed monthly payments for 3 to 4 years depending on the term of the agreement. If you wish to own the car outright, you can either make a balloon payment at the end of the term. Learn more about PCP here.
  • Hire Purchase (HP) – JJust give an initial deposit of at least 10%, and then make monthly payments until you eventually own the car outright. You can learn more about HP here.
  • No Deposit - Yes, it is also possible to buy a used car on finance without giving a large sum of money upfront. In this case, you make up for the deposit by repaying a little more in monthly payments that you can actually afford. Learn more here.

Used car finance FAQs

There is no simple yes or no answer to this question as there are various factors that contribute to the cost of insurance.

Used cars are more likely to break down which can increase the insurance costs. The company handling your insurance will tailor your insurance plan based on your individual circumstances and driving history.

We carry out free history checks on all used cars to ensure the vehicle has no outstanding payments remaining and hasn’t previously been stolen or written off.

In the history check we carry out, we extensively check the background of the car to verify the mileage and credentials of the car prior to its resale.

Not with us. During the application process, we only initially apply a “soft credit search” which does not affect your credit score. This soft search determines your personal quote and, if you’re happy with it, then we can move ahead and conduct a more thorough credit search as part of acquiring your used car loan.

If financing a used car suits your budget better, yes.

In our portal, you will find used car models from almost any brand (including Audi, Mercedes, BMW, Land Rover and Mercedes Benz) and from highly reputable dealers we’ve worked with for years. The process of finding used car finance with us will be so fast and simple, that your used car will feel brand new.

Apply for your used car finance today!

The online application for used car finance takes a few minutes, and we won’t ask for any unnecessary information. Once you complete your application, our friendly customer service team will be in contact with you to discuss the next steps.

Interested in our used car finance options?

APPLY NOW* *representative APR of 19.8%