Used car finance
Finance any approved used car from a UK dealer — HP or PCP, with an eligibility answer in under a minute.
4.8/5·Trustpilot·FCA regulated
Around 80% of the cars we finance are used. Get your soft-search decision first, then either shop the WeCarFinance stock or take your budget to any FCA-regulated UK dealer. HP if you want to own it, PCP if you want lower monthlies and flexibility at the end.
Best for
- Shoppers who already know the car they want
- Anyone starting from a monthly-payment budget
- Buyers who'd rather use their own trusted local dealer
- Drivers stepping up from a first car to something bigger
Pros
- Works with any FCA-regulated UK dealer
- HP for outright ownership, PCP for lower monthlies
- Soft-search eligibility — no credit-score impact
- Approved vehicles up to 10 years old at end of term
Things to consider
- Private-sale finance is more restricted than dealer purchases
- Very high-mileage or category-marked cars need specialist lenders
- Older vehicles (10+ years at end) usually need HP over shorter terms
How used car finance works
Get pre-approved
Soft-search eligibility gives you a budget without touching your credit score.
Find the car
Shop WeCarFinance stock or use any FCA-regulated UK dealer with your budget in hand.
Drive away
We pay the dealer, you make your first payment about a month later.
Used car finance FAQs
Let's get you on the road.
Check your eligibility in minutes with a soft search that won't affect your credit score.
FCA regulated. Real people available to help.