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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
All1,280£12,717855,9422,801
Aberdeen City3£25,662216,19720
Aberdeenshire6£15,920751,3377
Angus2£8,9951138,8364
Antrim1£8,641877,0003
Ards2£5,59210114,5876
Ballymena2£9,995960,2634
Ballymoney2£11,850767,4843
Barking & Dagenham - Greater London1£3,3951879,0006
Bedfordshire47£9,5841074,48667
Belfast4£13,359836,97514
Berkshire29£9,1261268,23468
Brent - Greater London2£10,637967,4264
Bristol26£16,314852,07974
Bromley - Greater London6£28,290312,2728
Buckinghamshire22£9,7221174,56464
Cambridgeshire45£10,700859,07182
Carmarthenshire1£11,495822,8141
Ceredigion1£8,291978,7331
Cheshire33£12,331958,02067
City of Edinburgh10£9,7051064,32516
City of London - Greater London10£4,9041497,6857
Cornwall10£19,980645,87212
County Durham25£12,063957,23446
Craigavon1£15,835516,0006
Croydon - Greater London5£9,951750,0566
Cumbria13£19,208530,12422
Derbyshire34£14,203945,21472
Devon18£12,9011045,63532
Dorset18£15,132747,88434
Dundee City9£13,974741,8399
Dungannon3£18,465639,6843
Ealing - Greater London10£7,6511378,36513
East Ayrshire3£9,531877,69210
East Lothian3£28,493114,01812
East Riding of Yorkshire2£19,583628,3828
East Sussex11£11,6961272,34428
Enfield - Greater London3£9,9801040,35710
Essex15£11,6341055,52649
Falkirk9£6,9591286,4728
Fife6£14,3541037,38718
Flintshire3£8,390959,841-
Glasgow City23£14,994849,65247
Gloucestershire10£11,6931078,10525
Greater Manchester87£9,805965,142191
Gwynedd1£6,9951269,000-
Hampshire28£12,292961,62167
Harrow - Greater London6£9,2211360,5896
Havering - Greater London17£11,747958,02931
Herefordshire1£9,4951148,6854
Hertfordshire29£13,577846,96271
Highland4£32,995110,5136
Hillingdon - Greater London10£11,959951,47122
Hounslow - Greater London2£10,044851,86510
Isle of Anglesey1£3,50010143,2001
Isle of Wight1£12,995754,6832
Kent20£13,342962,18446
Kingston upon Thames - Greater London3£10,810949,4221
Lancashire50£11,993855,758117
Larne1£9,450964,8001
Leicestershire18£12,500967,52450
Lincolnshire34£13,962947,65685
Merseyside16£13,003743,63229
Merthyr Tydfil3£11,226852,9974
Monmouthshire1£3,29513105,0002
Neath Port Talbot2£9,3931164,093-
Newham - Greater London1£3,998-38,4211
Newport1£11,998868,0001
Newry and Mourne2£2,95012115,5004
Newtownabbey2£8,923965,0613
Norfolk26£12,2931059,18456
North Ayrshire3£10,731847,3425
North Yorkshire20£12,9991159,41648
Northamptonshire7£12,973877,02641
Northumberland6£16,498627,8768
Nottinghamshire33£11,1411068,12053
Oxfordshire5£11,215945,95315
Pembrokeshire1£10,367944,131-
Perth and Kinross2£19,590525,23110
Redbridge - Greater London1£8,250975,36614
Renfrewshire1£31,9980117
Rhondda Cynon Taf4£6,4391085,1138
Shropshire11£11,2121275,75420
Somerset12£13,817850,38526
South Ayrshire3£20,626430,24817
South Lanarkshire4£17,245627,97010
South Yorkshire43£9,5411172,70470
Staffordshire16£12,557752,49347
Stirling2£16,597542,54526
Suffolk21£10,2721071,15342
Surrey25£16,297944,15265
Sutton - Greater London1£6,5951176,0001
Swansea5£17,749416,8129
Tyne and Wear29£11,2891061,01566
Warwickshire10£18,702638,6088
West Lothian2£11,495874,2257
West Midlands72£14,595961,863159
West Sussex19£20,588727,88654
West Yorkshire43£12,5101062,58992
Wiltshire14£12,2161066,58534
Worcestershire9£20,686735,60722
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