Used Car Finance

white bmw x2 1

With our used car finance solutions, you can bag the best deal on the second-hand car market.

In desperate need of a car but a brand-new model is beyond your budget? Being held back by a limited credit history? Used vehicles are tempting more and more buyers every year, offering independence, mobility, and an unbeatable driving experience – all without the scary price tag. 

Being able to buy a car without compromising your financial stability should be achievable to all, not a luxury for the few. At We Finance Any Car, our aim is to empower drivers from all backgrounds with tailored and accessible car finance

Ranging from family-friendly vehicles and comfortable cars for commuters to nearly new models with all the bells and whistles, there are hundreds of thousands of quality used cars out there, with some truly unmissable gems. Using our handy car search portal, you’ll have access to some of the most reputable dealers on the market – refine your search by colour, engine size, gearbox, onboard gadgets, and more. 

Whether you’re a budget-conscious buyer or seeking a specific car, our flexible finance service gives you access to a huge range of makes and models. With affordability at the forefront, and a supportive team of industry experts, you’re sure to find a car that suits your needs. 

What you can expect from our used car finance service:

  • Wide range of quality second-hand cars
  • FCA-authorised car dealerships
  • No deposit required
  • Affordable finance deals
  • Panel of specialist lenders
  • Easy online application
  • Support for all financial circumstances, including poor credit histories

Unlock that new car feeling for a fraction of the price – discover used car finance solutions today.

Over 300,000 Used and Nearly New Cars

Graphics 2

Feel free to find a car you like from a reputable dealer….Or

Use our car search portal to locate a car or find one on Auto Trader then send us the link…Or

Tell us the make/model or type of vehicle you want and let us find it for you.

Used car finance - here's everything you need to know:

So, you’ve made the decision to purchase a used car. Perhaps you’ve already spotted the perfect model on the second-hand market. But there’s a problem – you don’t have the funds to pay for the vehicle straight away.

Financial barriers can affect people from all walks of life, from graduates to families and working professionals. Being able to manage the cost of your car through a finance agreement gives you the freedom to get behind the wheel, without having to drain your savings or sacrifice your other financial goals. When you choose We Finance Any Car, you can enjoy the convenience of owning a car, with your budget still intact. 

It’s convenient, it’s hassle-free, and it’s tailored to you. 

Whatever your personal circumstances, we have a used car finance solution for you. Submit your application today – there’s an exciting road ahead!


You’ve gone through the painstaking research process and found a great used car that suits your budget and driving needs. With your new set of wheels in sight, you apply for car finance and….rejected. Frustrating, right?

There can be a whole host of reasons that you’re struggling to get approval for used car finance, ranging from a history of missed payments to an insufficient income. If you’re a young driver or a first-time buyer, having an incomplete or no credit history can also hinder your chances. 

The answer? Joint or guarantor car finance.

By having a co-signer or guarantor, the level of risk associated with your application will be reduced and you are more likely to secure a deal. Which option you choose will depend on your circumstances. If you are living with a partner or family member and are keen to share the responsibility of a car, a joint agreement may be right for you. 

On the other hand, if you are in need of a car but have experienced rejection from lenders in the past, finding a guarantor who you trust and who has a healthy credit rating can be a good solution.

As a general rule of thumb, the car should have under 100,000 miles on the clock and be no older than 12 years at the end of the agreement term, although this can differ slightly depending on the lender. This means that if you take out a 3-year agreement, for instance, the car should not be older than 9 years at the time of purchase. 

There are a few reasons for this. The first is to ensure that the car still has some value remaining at the end of the agreement. In the rare case that the loan defaults and the car needs to be repossessed (if the monthly payments are consistently missed), this helps to protect the investment. 

Secondly, it minimises the risk of financing an unreliable car that may need costly repairs. The aim is for the car to be in good working condition throughout the loan term. Of course, it also ensures that you have a trustworthy vehicle once you become the legal owner. 

While it can help to improve your chances of approval and reduce the amount you need to pay every month, we understand that not everyone will have the funds to put down a large deposit.

Luckily, at We Finance Any Car, over 90% of the car finance agreements we facilitate do not require a deposit. Our no deposit car finance solution works in much the same way as any other type of agreement, although it may result in higher monthly payments or a longer loan term. 

It’s important to remember that you may need to pay a small reservation payment or fee while you finalise the deal. This is to hold the car in your name and is a separate, upfront payment that will not be included in the loan amount.

There are a lot of second-hand car dealers out there – not all play by the book! At We Finance Any Car, our priority is to protect you at every stage of the buying process. That’s why we work with lenders who require that the dealer is FCA-registered (also known as verified dealers). Short for Financial Conduct Authority, this acts as a marker of trust and prevents unfair practices. 

Whether you’re a seasoned second-hand buyer or a complete novice, a new car is a huge investment and it’s important to get it right. Our team is on hand to help you feel confident in your purchasing decision. 

There are several factors that determine your monthly payment plan, including the cost of the used car, the length of the agreement, the interest rate, and your own financial situation. You need to have a good idea of your monthly payment plan before you commit to car finance. This is to help you effectively manage your budget, saving you a lot of stress in the long run. 

Our free finance calculator is easy-to-use – simply select which finance option you would like and input your budget. 

Each lender will have slightly different requirements when it comes to qualifying for a used car finance agreement, however, there are a few things to bear in mind:

  • You must be 18 or older to apply
  • You’ll need to have a steady income to be able to meet the monthly payments
  • A healthy credit score will improve your chances
  • The type of used car you choose can impact your finance agreement

If you’re concerned about any negative impact on your credit rating, or you are already struggling with a poor credit score, our safe and fuss-free process is designed to protect every applicant. At We Finance Any Car, we work with lenders who, in the first instance, use a soft credit check. Compared to a hard credit check, this will not show up on your report or affect any future applications. 

What if I’m self-employed?

If you’re running a business, no matter how big or small, having a reliable mode of transport is crucial. You’ll likely need something practical, durable, and affordable. With cost-saving benefits and endless options available, buying from the second-hand market could be the way to go. Although it makes complete sense to opt for used car finance, there can be a few more barriers to overcome.

For the lender to have complete confidence that you can fulfil the finance agreement, you’ll need to provide evidence of a stable source of income. This can be tricky if you’re self-employed. 

With specialist lenders and a dedicated team to support you, we’ll do our best to make your driving dreams a reality. 

There can be serious consequences for missed loan payments, so always double-check your finances before committing to a used car agreement. If you’re unsure about which finance option to go for, or need a little extra support with budgeting, we are only a phone call away.

The terms and conditions should be clearly outlined at the beginning of the agreement and each lender will have a slightly different setup. Generally speaking, missed or late payments can result in additional fees or, in the worst-case scenario, repossession. Failure to fulfil the finance agreement will also have a negative impact on your credit score. This may affect your ability to apply for credit in the future and can be especially problematic for those already struggling with a poor credit rating. 

If you’re concerned about missing a monthly payment, we would always recommend reaching out to your lender. Most will be able to offer a solution, whether that’s a revised payment plan or support with temporary financial hardships.

How does used car finance work?

For many, used car finance is an ideal solution. It offers a convenient and affordable way to purchase a car, enabling you to spread out the cost as opposed to paying for it outright. Plus, when you opt for used car finance, you may be able to buy a higher-quality model without breaking the bank. 

So, how does it all work?

At We Finance Any Car, we’ve made the process as simple as possible. Just like with any car finance, your application will be reviewed and, if successful, you will be offered a credit agreement. This is essentially a contract between you and the lender, outlining the borrowed amount, interest rate, repayment schedule, and any other terms and conditions. You will then be required to make set payments throughout the length of your finance agreement. 

How does used car finance work?

Achievable payment plan: Purchasing a used car through We Finance Any Car means you can easily manage your budget, with a team that is dedicated to finding you a finance deal that is tailored to you. 

End-to-end support: For many, the buying process can feel overwhelming. Whether it’s the negotiation process or making sure the car is reliable and in good condition, there’s a lot to think about. With us by your side, you’re sure to find the best car at the best price. 

Complete car ownership: Want to feel secure in the knowledge that you are the legal owner of your car at the end of the loan term? Unlike a leasing agreement, where you will face multiple restrictions, financing your used car will give you the freedom and flexibility to make it truly yours. 

Preserve your finances: When you choose We Finance Any Car, you don’t need to sacrifice your savings to buy the car of your dreams. With a fixed payment plan, you can set aside a specific amount each month while still preserving your overall finances. We put our customers first and always ensure you purchase a car that you can comfortably afford.  

Access to a diverse selection of cars: Our flexible car finance solutions enable you to choose from a wider range of makes and models, including those with higher price tags. With us, you are more likely to find something that fits your preferences and aligns with your budget. 

Still have some questions? Give us a call on 01277 80 80 80 or send us a message and we will be in touch as soon as possible. 

What types of car finance are available?

When it comes to car finance, there’s a lot of information to process and, with so many solutions out there, choosing the right one for you can be tricky. Ultimately, this will depend on a variety of factors, including your current financial situation, credit history, employment status, and personal preference.

Feeling overwhelmed? Don’t be! Our expert team are here to guide you through the whole process. We want you to feel confident in your decision and will always ensure you secure a deal that suits your needs.

Hire Purchase (HP)If you want to own the car at the end of your contract, and have a stable credit rating, HP car finance is a great choice. Your finance agreement will be spread across a series of monthly payments and, once you have fully paid the borrowed amount, you will become the legal owner.

Personal Contract Purchase (PCP)Once the contract comes to an end, you will have the option to keep your car or return it. While the monthly payments in HP car finance are equal to the full value, in a PCP car finance agreement, they are equal to the car’s estimated depreciation. If you decide to keep your car, you’ll need to pay a final balloon payment – this is a larger amount that covers the rest of the remaining balance.

Bad Credit Car FinanceIf you have a poor credit rating or a limited credit history, it can be difficult to secure a deal. That’s why we offer a bad credit car finance solution. Working with an extensive panel of specialist lenders, we help you purchase the car of dreams, whatever your financial situation.

Apply now! Your next car could be just around the corner…

Audi Q2 SQ2 Quatrro

Try our free finance calculator today!

In the market for a used car? You’re in the right place!

There are many reasons for buying a used car. You may be in desperate need of a vehicle but haven’t got the budget to buy brand new. Perhaps you’ve just passed your driving test and are looking for something cheap and cheerful. Maybe you have your heart set on a particular make but buying the latest model is simply out of the question…

Whether you’re after something practical and spacious or sleek and sporty, there are plenty of quality and stylish cars to choose from on the second-hand market. Plus, if you’re ready to make the leap towards a greener lifestyle, purchasing a second-hand hybrid or electric car can be an affordable way to cut down on emissions. 

Concerns around the condition and reliability of a pre-loved vehicle can put many people off. We’re here to set the record straight! Although there may be a few more signs of wear and tear, you can easily find a high-quality car that ticks all your boxes and will remain with you for years to come. 

For complete peace of mind, it’s always important to do a little research of your own and come armed with questions about the vehicle’s maintenance history. 

It doesn’t matter if you’ve already found the perfect fit or are unsure where to begin, we can help.

How do I choose the right used car for me?

We recognise that choosing a car of any kind can be a daunting task, let alone the added complications of being on the second-hand market. To break it down, our team have put together an easy-to-follow checklist:

What is your budget?

Cost can be a huge factor in determining which used car you end up purchasing. Be realistic – if you have a relatively small budget, don’t opt for a high-end or expensive make. When reviewing your overall budget, it’s also important to factor in the running and maintenance costs.

When purchasing a second-hand vehicle, it’s a good idea to make a list of what’s important to you. For instance, a family car will need plenty of legroom and boot space, as well as an extensive selection of safety features. Alternatively, if you’re a tech-savvy driver who is drawn to innovative design and style, you’ll want something that stands out from the crowd.

What you need from a car will very much depend on your lifestyle and driving habits. Will the car be used for commuting or taking the kids to school? Perhaps you’re after something that can survive weekend road trips or adventures in the wilderness. If you need to transport large items, you’ll need a vehicle that is designed for hauling heavy loads. 

This can affect the car’s fuel economy (how much fuel a car uses over a certain distance), maintenance costs, and even performance, so it’s important to take this into consideration. In a nutshell, the fuel type will determine how much money you spend on driving the car. 

Diesel engines can be more efficient than cars that run on petrol, however, they are also more expensive to maintain. 

Hybrid car types use a combination of petrol and electric power, lowering emissions and improving fuel efficiency. In comparison, electric cars produce zero emissions as they operate solely on electricity.

white nissan juke 1024x500 1
Red Ford Fiesta ST
I’m struggling to find a used car – can you help?

In our feed, you’ll find a wide range of used cars for sale. We have some big-name brands, including the likes of BMW, Ford, and Land Rover, so you’re sure to bag a bargain. 

When you choose We Finance Any Car, you will benefit from knowledgeable and friendly account managers with access to over 300,000 used cars. We will help you arrange everything, either using our easy online system or by giving you a quick call. Once you’ve found the perfect car, it can be delivered to your door or you can collect it in person.


About Us

If you are looking for car finance, you are in the right place!

We have years of experience in car finance, a very extensive lending panel & a team set up to get you the car you want at the best finance rate possible. If you have already found a car and just need the finance – great! If you need help finding a car then we are there for you as well – in fact, we have access to over 300,000 cars.

White Fiat 500

Arrange a call back

Opening Hours

Mon to Fri: 08:00 – 19:00
Saturday: 09:00 – 16:00
Sunday: 10:00 – 16:00