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Used Honda Civic on Finance

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Getting a Honda Civic on finance

Getting a used Honda Civic on finance can be a simple and straightforward process if you know the steps and options available to you. Below is a comprehensive guide to assist you in understanding the financial aspects of acquiring a used Honda Civic.

Preliminary Steps:

1. Budgeting:

  • Define your budget considering monthly payments, insurance, maintenance, and other associated costs.

2. Credit Score Check:

  • A higher credit score may afford you more favorable financing terms.

3. Vehicle Selection:

  • Identify the Civic model, year, and specifications suitable for your needs and budget.

4. Vehicle Inspection:

  • Ensure the vehicle’s condition and history are verified through inspection and relevant checks.

Financing Options:

1. Traditional Bank Loan:

  • Possible favorable interest rates, especially if you have a good credit score.

2. Hire Purchase (HP):

  • Split the vehicle's cost into an initial deposit and subsequent monthly payments.

3. Personal Contract Purchase (PCP):

  • Lower monthly payments and a final balloon payment if you decide to purchase the vehicle at the end.

4. Dealer Financing:

  • Dealers might offer their own financing options, sometimes with promotional deals.

5. Peer-to-Peer Lending:

  • Direct loan sourcing from individual investors, generally through online platforms.

6. Personal Leasing:

  • Lease the Civic with fixed monthly payments and return it at the end of the contract.

Purchasing Steps:

1. Choose a Reliable Seller:

  • Opt for a reputable dealership or a private seller with positive feedback.

2. Negotiation:

  • Aim to negotiate a price that is consistent with the Civic’s market value.

3. Paperwork:

  • Review all documents, ensuring every aspect of the sale and finance agreement is clear.

4. Finalizing the Deal:

  • Once all terms are clear and agreed upon, finalize the deal.

5. Insurance:

  • Secure proper insurance before taking possession of the vehicle.

Additional Considerations:

  • Maintenance Costs: Ensure you're aware of the maintenance costs associated with the Civic model you choose.

  • Resale Value: Consider the Civic’s resale value for future reference.

  • Warranty: Check the existing warranty and consider purchasing an extended warranty if applicable.

Conclusion:

Financing a used Honda Civic involves multiple steps and understanding of the available financing options. Ensure you meticulously review every aspect of the deal, from choosing the vehicle to finalizing the finance terms. Consider professional advice whenever in doubt, ensuring a smooth and successful purchase, enabling you to enjoy your Honda Civic without undue financial stress.

About the Honda Civic

The Honda Civic's story is one of evolution and innovation. Over the decades, this iconic sedan from Honda has continuously adapted to the times, reshaping its design and ethos while holding onto its core principles: reliability, efficiency, and a driving experience that's hard to match in its class.

The Legacy Lives On:

With a lineage dating back to the 1970s, the Civic has transformed from a compact car solution to a stylish, versatile choice for modern families, young professionals, and car enthusiasts alike. Its many iterations have seen hatchbacks, coupes, and sedans, each bringing something unique to the table.

Modern Aesthetics:

The modern-day Civic exudes a bold presence. Its sculpted body, aggressive front grille, and sleek LED headlights lend it an athletic stance. The spacious interior boasts high-quality materials, a user-friendly infotainment system, and a plethora of amenities that prioritize passenger comfort.

Performance Meets Efficiency:

The Civic's engine options have always been about balance. Whether you opt for the fuel-efficient standard models or the sportier, turbocharged variants, you're guaranteed a ride that's smooth, responsive, and efficient. The chassis and suspension work in harmony, offering drivers a connected feel to the road.

A Commitment to Safety:

Honda's dedication to safety is evident in the Civic. Incorporating the Honda Sensing suite, the vehicle offers features like adaptive cruise control, collision mitigation braking, and lane-keeping assist. These systems work in tandem to provide a safer driving environment and peace of mind.

Value Proposition:

A key aspect that has kept the Civic at the forefront of its segment is its value proposition. Beyond the attractive starting price, the Civic's long-term cost of ownership is mitigated by its robust build quality, excellent fuel efficiency, and Honda's reputation for reliability.

Conclusion:

From its inception to the present day, the Honda Civic remains a testament to Honda's ability to innovate while staying true to its roots. It's not just a car; it's an enduring symbol of efficiency, reliability, and driving pleasure. Whether you're a longtime fan or a prospective buyer, the Civic promises a driving experience that's both familiar and refreshingly new.

Buying Guide

Want to find out everything about all Civic models, pros and cons, what to look out for and everything else you need to know? Check out our Honda Civic buying guide here.

Honda Civic Data by County

Honda Civic data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All1,221£12,122958,1132,840
Aberdeen City5£19,255530,09213
Aberdeenshire5£19,955431,3628
Angus1£6,8951099,1326
Ards1£6,48910105,1747
Ballymoney1£9,995883,0002
Barking & Dagenham - Greater London1£3,3951879,0007
Bedfordshire55£9,6571173,05860
Belfast5£8,0281166,78815
Berkshire21£9,9791264,11182
Brent - Greater London1£10,784959,8522
Bristol24£20,200740,99273
Bromley - Greater London5£25,090215,66210
Buckinghamshire19£10,4241377,28765
Cambridgeshire35£9,556974,50078
Ceredigion1£8,291978,7331
Cheshire34£11,819962,15969
City of Edinburgh11£10,146960,05210
City of London - Greater London6£4,15815102,44610
Cornwall3£19,348646,39415
County Durham19£12,734754,31762
Craigavon1£9,950871,5595
Croydon - Greater London4£10,366845,25410
Cumbria10£20,243430,33420
Denbighshire1£13,995855,670-
Derbyshire26£13,2821045,73475
Devon24£12,497956,87543
Dorset9£19,647747,65744
Dundee City6£12,730752,75614
Dungannon3£14,647889,4736
Ealing - Greater London6£9,5211172,60911
East Ayrshire4£9,573969,5798
East Lothian4£24,705323,8964
East Riding of Yorkshire1£9,400980,0174
East Sussex14£12,2611158,00924
Enfield - Greater London6£10,596956,67610
Essex23£11,0941066,55440
Falkirk10£7,9851179,1486
Fife5£13,9481253,87919
Flintshire2£11,990740,500-
Glasgow City12£19,694648,82150
Gloucestershire15£10,822977,79221
Greater Manchester87£10,0241070,018184
Gwynedd1£6,9951269,000-
Hampshire27£9,8841067,49069
Harrow - Greater London7£10,4471054,0148
Havering - Greater London17£13,288845,35637
Herefordshire1£9,4951148,6854
Hertfordshire34£14,092846,07271
Highland3£27,662114,5468
Hillingdon - Greater London19£13,335850,73722
Hounslow - Greater London4£9,3331064,4337
Inverclyde1£12,495749,0002
Isle of Wight1£12,995754,683-
Kent22£10,0911172,35161
Kingston upon Thames - Greater London2£8,9431160,9503
Lancashire49£11,735960,39595
Larne1£9,450964,800-
Leicestershire14£8,6241178,30941
Lincolnshire27£12,9471047,963101
Merseyside14£11,334855,23928
Merthyr Tydfil1£12,499735,6194
Neath Port Talbot2£10,2451157,501-
Newham - Greater London1£3,998-38,421-
Newport1£9,199886,2071
Newry and Mourne3£6,9731466,2624
Newtownabbey4£8,341971,0915
Norfolk29£14,100960,12753
North Ayrshire3£10,664847,3424
North Lanarkshire4£7,5901075,0363
North Yorkshire18£13,2451154,67344
Northamptonshire12£10,522971,04442
Northumberland8£13,661838,3177
Nottinghamshire23£14,288851,02472
Oxfordshire6£18,081526,26412
Perth and Kinross6£13,047858,0607
Redbridge - Greater London2£4,00017105,0008
Renfrewshire2£11,447851,76114
Rhondda Cynon Taf5£6,4361088,7494
Scottish Borders1£10,149970,500-
Shropshire7£11,6871260,35525
Somerset8£15,165654,03830
South Ayrshire3£13,663849,27015
South Lanarkshire2£26,24528,62510
South Yorkshire36£8,5931277,14176
Staffordshire10£11,795747,27641
Stirling2£13,199851,06222
Suffolk9£8,4671270,58749
Surrey25£17,256840,18964
Sutton - Greater London1£9,1951049,5832
Swansea1-0109
Tyne and Wear35£12,659958,29483
Warwickshire8£17,915543,30712
West Lothian3£9,727974,1337
West Midlands71£12,6591067,442153
West Sussex23£16,048844,12765
West Yorkshire51£12,4441166,78682
Wiltshire15£15,857846,76338
Worcestershire10£18,552732,13123
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