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  1. Cazoo Support
  2. Buy or finance a used car
  3. How finance works

How finance works

  • 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?
  • Do you have a finance calculator?
  • 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?
  • Can I settle my finance early?
  • Will applying for finance affect my credit score?
  • What’s the difference between a soft and a hard credit check?
  • If I apply for finance, how do I know I’m getting a good rate?
  • Which finance providers do Cazoo work with?
  • When is my first monthly payment due?
  • Can I withdraw from my finance agreement and return the car within the first 14 days? If so, what happens to my car?
  • Can I withdraw from my finance agreement and keep the car within the first 14 days?
  • If I withdraw from my finance agreement, can I use the 7-Day Money Back Guarantee or any other right of return?

If you need any help, we’re available from 8am-8pm, 7 days a week.

Call us on 020 3901 3488 WhatsApp us on 07984 395 125

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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