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Buy or finance a used car
How finance works

Articles in this section

What types of car finance do you offer?
What’s the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?
How do I apply for finance?
How long does it take to get a financing decision?
What information is needed for a financing decision?
Why do you need my personal details?
How long do I have to live in the UK to get a Cazoo car on finance?
How does the finance calculator work?
How long is my finance offer valid for?
What do I need to do after being approved for finance?

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If I apply for finance, how do I know I’m getting a good rate?

14 May 2021 15:09
Updated

Most of our customers receive a very competitive APR of 8.9% representative.

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Cazoo Ltd is an appointed representative of ITC Compliance Limited (ITC) which is authorised and regulated by the Financial Conduct Authority (ITC's firm reference number is 313486). Permitted activities include entering into regulated hire agreements, advising on and arranging general insurance contracts as an intermediary and acting as a credit broker not a lender. Finance is only available to UK residents aged 18 or over, subject to status. We can introduce you to a limited number of lenders to finance your car purchase. We do not charge fees for our consumer credit services, but we might receive a payment or other benefit from those lenders or our brokers if you enter into an agreement with them. The payment or benefit we receive varies by lender and product type and is based on a fixed fee or fixed percentage of the amount you borrow. It does not impact the rate you are offered. Cazoo has arranged its motor insurance through Churchill Expert which is a trading name of U K Insurance Business Solutions Limited, an insurance intermediary who introduces business customers to NIG policies underwritten by U K Insurance Limited.© 2021 Cazoo Ltd. All rights reserved