Used Car Finance | Bigpage
Used Car Finance

Drive your next car — without the lump sum

Spread the cost of your used car with flexible monthly payments. Compare lenders in minutes with no impact on your credit score.

See if you'll be accepted → Use calculator
No impact on your credit score

How much could you borrow?

£8,000
48 months
Est. monthly payment* £214/mo
Apply Now — It's Free

*Indicative only. Representative APR 18.8%. Rates from 8.9% APR. Subject to status.

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40,000+ verified cars
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Quick online decision
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Soft search — no credit impact
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No deposit options available
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Excellent on Trustpilot
Finance Options

Two ways to finance
your used car

Used car finance lets you pay monthly instead of one big upfront payment. Choose the plan that suits your lifestyle.

Hire Purchase — HP

Own it outright

Split the car's total cost into fixed monthly payments over an agreed term. Once your final payment is made, the car is yours — no strings attached. No mileage limits apply.

Personal Contract Purchase — PCP

Lower monthly payments

Pay only for the car's depreciation during the contract, keeping monthly costs lower. At the end, choose to pay a final balloon payment to own it, hand it back, or part-exchange.

How It Works

On the road in 3 steps

We handle the hard parts — you just pick up the keys.

01

Apply online

Tell us a little about yourself and how much you'd like to borrow. We'll run a soft search and come back with a quick decision from our panel of lenders.

02

Pick your car

Browse from our network of verified dealers or bring your own choice. We'll run free background and history checks on any vehicle you're interested in.

03

Get on the road

We handle all the paperwork with the lender and pay the dealer directly. You just collect your car and drive.

Why Bigpage

Finance that works
for you

We search a large panel of lenders to find you the right deal — whatever your situation.

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Large lender panel

We search multiple lenders with just a few details from you, so you get competitive rates without the legwork.

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Free vehicle checks

We carry out free valuations and full history checks on any car you're considering — as many times as you like.

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No deposit? No problem

We work with lenders offering zero-deposit finance options, so you can get on the road without upfront savings.

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Bad credit welcome

Even with a less-than-perfect credit history, we can often find a deal that works. Apply with no impact on your score.

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Quotes valid 28–30 days

No pressure. Your quote is valid for up to 30 days so you can take your time and choose the right car.

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Verified dealers only

Every dealer in our network passes strict background checks. All cars come with at least 6 months MOT.

FAQs

Common questions

Does applying affect my credit score?
No. Our initial check is a soft search — only you can see it and it won't affect your credit score. A hard search only happens if you choose to proceed, and only with your consent.
Can I get finance with no deposit?
Yes. We work with lenders who offer no-deposit finance options, so you can secure a used car without needing upfront savings.
Can I buy from a private seller?
Yes. Our lenders can help with private sale finance. Some may need additional information from the seller, but our team will walk you through the process.
Are there mileage restrictions?
HP finance has no mileage limits. PCP agreements typically include a mileage cap agreed with your lender — usually around 8,000 miles per year — with a charge for exceeding it.
Can I settle my finance early?
Most lenders allow early settlement, which can save you on interest. There may be a small early settlement fee — always check the terms of your agreement.

Ready to find your
next used car?

Apply in minutes. No impact on your credit score.

Get My Free Quote →