Used Car Finance

At DCC, we offer affordable, competitive used car finance deals to customers in Hampshire and across the UK. Our wide range of car finance options are designed to make the car you want accessible and affordable.

We can arrange a finance package to suit your budget and situation, making sure that buying a used car with us is a fast and straightforward process. Our available used car finance deals include:
• Hire Purchase (HP)
• Personal Contract Purchase (PCP)
• Lease Purchase
• Contract Hire

Additionally, we have access to a wide range of finance providers and products so that you can be sure of getting a finance deal with competitive rates from as low as 6.9% APR Representative.

Finance Your Next Car with DCC - Browse Our Stock

Used Car Finance Options

HP Deals on Used Cars

Talk to our used car finance specialists to find an HP used car deal that ticks all the boxes. We’ll establish which used cars in stock you are interested in and determine the best finance packages available to suit your needs.

What is Hire Purchase Finance?

With hire purchase finance, you pay a deposit, and then the remaining amount borrowed is spread across monthly repayments. Choose hire purchase if you plan to repay the full cost of the vehicle and desire to own the vehicle at the end of the agreement.

The amount you borrow is secured against the vehicle. Repayments are fixed throughout the agreement and spread equally throughout the term.

PCP Deals on Used Cars

If you are looking for a great PCP deal on your next used car speak to DCC. We offer great rates on PCP agreements with flexible terms which can be tailored to your monthly budget.

Our finance specialists have access to competitive rates from a wide range of lenders meaning we can always find you a great used car Personal Contract Purchase deal. Speak to our team about your used car finance options today.

What is Personal Contract Purchase?

Like hire purchase, with personal contract purchase (PCP), you pay a deposit and then the remaining amount borrowed is split into monthly instalments. PCP is great if you want to change or upgrade your car at the end of the agreement but also want the option to hand it back at the end of the agreement.

With PCP, the finance lender will guarantee the minimum the vehicle will be worth at the end of your agreement based on the agreed annual mileage and maintenance of the vehicle (any excess mileage and/or damage may incur additional charges). This value is known as the ‘Guaranteed Minimum Future Value’ and by deferring this amount to the end of the term, you could benefit from lower fixed monthly payments compared to other products such as HP.

The finance is secured against the vehicle. Repayments are fixed throughout the agreement and spread equally throughout the term.

At the end of the PCP agreement, you’ll have three options:

1. Part-exchange it – use any value left in your vehicle to part-exchange it for a new one
2. Buy it – pay off the final payment (Guaranteed Minimum Future Value plus the Option to Purchase Fee (OTP) in one lump sum and become the legal owner
3. Hand it back – simply hand back the vehicle and the keys, pay any charges incurred, and walk away.

Bad Credit Car Finance

If you have had trouble getting a used car elsewhere then give us a call to see if we can help, we have flexible finance deals to suit all budgets. The vehicle finance options offered by DCC help you to own your ideal used car sooner and at a smaller cost than you may expect. We can also tailor finance packages to suit your needs, with features such as nil advance payment and Guaranteed Future Values.

Our finance specialists have access to a wide range of finance companies, lenders, and banks, so if you have bad credit speak to DCC to see if we can help.

We strive to obtain the best deals for our customers and make sure you get a tailor-made finance package for your used car.

Apply online today or give us a call for a friendly chat about your options.

Sub-prime finance is not guaranteed and may cost more than finance provided by a prime lender. We will try to obtain finance for you but there is no guarantee. It may be from a sub-prime lender, and if so, the cost of finance may likely be at a higher rate than prime lenders offer.

Finance Your Next Car with DCC

If you are looking to purchase a used car on finance or need more information about it, don’t hesitate to contact Driving Cleaner Cars. Our team of experts will be happy to answer all your questions and walk you through the options available to you.  

At DCC, we make the experience of acquiring a used car easy, flexible, and personalised. Browse and buy cars online or come in person to any of our local dealerships in Southampton and Fareham.