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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
All1,250£11,950958,0382,874
Aberdeen City4£20,821426,96415
Aberdeenshire7£15,194650,1796
Angus1£6,8951099,1326
Antrim1£12,749717,0004
Ards1£6,48910105,1747
Ballymena1£10,995838,0085
Ballymoney1£9,995883,0002
Barking & Dagenham - Greater London1£3,3951879,0007
Bedfordshire53£9,7831173,46462
Belfast5£11,397953,15412
Berkshire28£6,5011471,51277
Brent - Greater London2£10,637967,4262
Bristol26£16,685749,19974
Bromley - Greater London2£35,440210,78410
Buckinghamshire18£10,4901272,14067
Cambridgeshire36£9,2731070,34879
Carmarthenshire1£11,495822,8141
Cheshire39£12,911957,12368
City of Edinburgh10£9,1361066,38912
City of London - Greater London6£5,5821393,87011
Cornwall8£17,824747,30013
County Durham22£12,309851,73857
Croydon - Greater London6£8,573961,9417
Cumbria12£20,710423,71117
Denbighshire1£13,995855,670-
Derbyshire30£14,2451044,62873
Devon20£13,301956,01538
Dorset15£16,618841,92242
Dundee City6£15,246743,82114
Dungannon2£17,473869,2105
Ealing - Greater London8£7,9621377,83113
East Ayrshire6£13,216967,9837
East Lothian4£27,689114,2637
East Riding of Yorkshire2£9,148963,7677
East Sussex7£13,1461169,48328
Enfield - Greater London6£10,479950,17810
Essex20£12,7621057,13243
Falkirk8£6,9551288,2827
Fife9£14,6981044,98420
Flintshire3£8,390959,841-
Glasgow City12£15,425857,51256
Gloucestershire16£10,3021081,29122
Greater Manchester91£10,749964,501186
Gwynedd1£6,9951269,000-
Hampshire31£11,1051063,43666
Harrow - Greater London6£8,1151456,4697
Havering - Greater London16£11,888856,49234
Herefordshire1£9,4951148,6854
Hertfordshire29£13,010950,49174
Highland4£19,821429,7857
Hillingdon - Greater London10£11,3281055,55027
Hounslow - Greater London2£10,044851,8659
Inverclyde1£12,495749,0002
Isle of Anglesey1£3,50010143,200-
Isle of Wight1£12,995754,6831
Kent22£9,9911075,34255
Kingston upon Thames - Greater London3£10,4121052,5832
Lancashire55£12,954854,986108
Larne1£9,450964,8001
Leicestershire17£8,6301176,64846
Lincolnshire36£14,595844,88690
Merseyside12£12,524848,43033
Merthyr Tydfil2£11,749859,9964
Monmouthshire1£3,29513105,0002
Moray1£11,995748,244-
Neath Port Talbot3£9,9271062,364-
Newham - Greater London1£3,998-38,4211
Newport1£6,9951680,3631
Newry and Mourne4£8,3131460,2623
Newtownabbey2£7,9951069,9185
Norfolk26£13,719952,62061
North Ayrshire3£10,664847,3424
North Yorkshire11£13,8841149,44850
Northamptonshire11£13,324860,07048
Northumberland7£13,940839,0878
Nottinghamshire30£12,443960,49466
Oxfordshire5£11,4831047,73813
Perth and Kinross3£16,496653,1678
Redbridge - Greater London2£4,00017105,00011
Renfrewshire1£11,998768,91516
Rhondda Cynon Taf5£6,4361088,7497
Scottish Borders1£10,149970,500-
Shropshire8£10,9611373,07524
Somerset11£11,957852,19328
South Ayrshire4£17,993639,55515
South Lanarkshire2£18,245526,63911
South Yorkshire47£9,7811170,53970
Staffordshire13£12,360743,02442
Stirling3£14,231744,40421
Suffolk9£10,1731166,13352
Surrey23£15,4581046,27067
Swansea1-01011
Tyne and Wear30£10,7401161,62777
Warwickshire9£16,592736,0159
West Lothian3£9,660979,4176
West Midlands67£12,6711065,517158
West Sussex23£16,778940,53361
West Yorkshire47£13,3791060,69189
Wiltshire17£11,982962,56836
Worcestershire7£22,820621,87124
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