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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
All1,383£12,859957,7043,099
Aberdeenshire12£17,954539,58521
Angus1£8,4959120,81724
Ayrshire8£10,835857,58123
Bedfordshire36£9,6921171,51670
Berkshire26£9,5061367,65679
Blaenau Gwent4£12,5191070,2676
Bridgend6£8,7781062,29413
Bristol18£21,642536,23871
Buckinghamshire19£10,8491171,18968
Caerphilly2£8,7431071,0403
Cambridgeshire32£10,0401067,54373
Cardiff16£22,131533,64630
Cheshire27£12,322852,45153
Conwy3£12,896750,654-
Cornwall8£17,392640,58215
County Antrim12£8,380970,69040
County Armagh4£8,5801357,3259
County Down5£8,337872,78210
County Durham22£13,242850,26953
County Fermanagh1£8,950792,000-
County Londonderry2£9,973967,8976
County Tyrone3£17,145670,2314
Cumbria11£17,443537,84615
Denbighshire1£12,995855,670-
Derbyshire29£13,800944,86272
Devon13£11,744957,96951
Dorset10£19,050537,68341
East Lothian1£7,9501268,3881
East Riding of Yorkshire6£15,045652,75016
East Sussex15£16,686945,82437
Essex24£12,561956,76045
Falkirk10£7,9551179,1484
Fife8£16,185944,34620
Flintshire10£9,3881592,570-
Gloucestershire18£10,504976,01722
Greater London101£12,044957,149199
Greater Manchester83£10,180967,400192
Gwynedd2£4,9951388,500-
Hampshire31£10,1241066,43465
Herefordshire2£16,9451049,6343
Hertfordshire49£12,572856,106105
Highland6£19,163532,4859
Isle of Wight2£7,4951689,842-
Kent21£10,6931167,74571
Lanarkshire27£15,746750,68356
Lancashire67£12,031859,609102
Leicestershire16£10,8461174,31132
Lincolnshire26£13,662952,870100
Merseyside17£11,446949,74039
Merthyr Tydfil1£12,499735,6194
Midlothian15£12,848853,25419
Moray1£14,495742,0001
Neath Port Talbot1£10,995950,9091
Newport3£16,326628,15910
Norfolk27£14,934855,66161
North Yorkshire16£13,3851051,19446
Northamptonshire13£10,655973,38943
Northumberland7£16,454640,26013
Nottinghamshire25£13,156857,04487
Oxfordshire5£25,498212,78920
Pembrokeshire1£9,880944,1311
Perth & Kinross3£11,599947,54413
Renfrewshire1£11,998960,83111
Rhondda Cynon Taf4£6,3711188,4555
Shropshire7£14,893838,17926
Somerset9£17,289643,19425
South Yorkshire36£9,5121274,82264
Staffordshire17£13,718850,27736
Stirling4£13,699847,59417
Suffolk18£16,942846,94858
Surrey42£16,022944,00478
Swansea4£10,996633,02413
Torfaen1£6,9959101,6552
Tyne and Wear38£13,111859,79089
Vale of Glamorgan2£10,588950,5073
Warwickshire16£12,202866,49024
West Lothian4£9,995963,4796
West Midlands84£13,0921067,874139
West Sussex26£21,278733,19272
West Yorkshire49£13,9951062,90992
Wiltshire22£14,967754,61130
Worcestershire8£16,407845,34222
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