Get a Carsnitch Report for Free Owner, price, MOT & dealer.

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
All1,376£12,929956,8173,104
Aberdeenshire12£21,545428,64319
Angus4£9,722979,84623
Ayrshire10£10,117962,42325
Bedfordshire39£9,8341173,20972
Berkshire31£9,5001367,77575
Blaenau Gwent4£12,5191070,2676
Bridgend4£9,6441057,39314
Bristol22£20,426645,60170
Buckinghamshire24£13,0421068,96362
Caerphilly2£8,7431071,0403
Cambridgeshire32£10,0271066,33074
Cardiff15£23,167432,48131
Cheshire27£12,764852,24652
Conwy2£13,995740,000-
Cornwall6£17,092642,55316
County Antrim14£10,439960,70036
County Armagh4£8,6801357,32510
County Down2£8,468973,08711
County Durham21£10,440957,01257
County Fermanagh1£8,950792,000-
County Londonderry4£11,857758,3245
County Tyrone2£18,973771,7104
Cumbria11£18,204535,17216
Denbighshire1£13,995855,670-
Derbyshire36£12,698945,18169
Devon16£10,4781062,78949
Dorset11£19,759643,58641
East Lothian1£7,9501268,3881
East Riding of Yorkshire6£14,918746,81215
East Sussex14£15,165947,76836
Essex25£12,880956,50246
Falkirk10£7,9661179,1484
Fife6£18,998940,14420
Flintshire9£10,1311493,280-
Gloucestershire16£10,976974,92021
Greater London102£12,572954,342201
Greater Manchester84£10,121967,922194
Gwynedd1£6,9951269,000-
Hampshire29£9,1871068,98468
Herefordshire2£16,9451049,6344
Hertfordshire43£12,193956,723110
Highland7£18,710532,4958
Inverclyde1£11,595749,0002
Isle of Wight1£12,995754,683-
Kent24£12,5911060,58371
Lanarkshire21£14,940853,05558
Lancashire62£11,517862,659106
Leicestershire14£8,5541278,40934
Lincolnshire29£13,793950,43198
Merseyside16£11,632850,12636
Merthyr Tydfil1£12,499735,6194
Midlothian14£13,052851,51619
Neath Port Talbot1£10,995950,9091
Newport2£11,580929,72510
Norfolk28£15,016853,73559
North Yorkshire15£13,3311151,68345
Northamptonshire14£10,005973,21140
Northumberland5£15,798630,57213
Nottinghamshire27£14,387753,01089
Oxfordshire7£21,759421,65720
Pembrokeshire1£9,880944,1311
Perth & Kinross3£17,963734,51812
Renfrewshire3£11,630853,6299
Rhondda Cynon Taf6£6,9291085,8513
Shropshire6£11,6631050,60426
Somerset7£17,697751,86927
South Yorkshire35£8,9681275,95864
Staffordshire20£13,161954,45436
Stirling2£17,949743,10018
Suffolk21£16,024949,86461
Surrey34£13,0491152,34383
Swansea4£11,581640,02812
Torfaen1£6,9959101,6552
Tyne and Wear35£12,919856,56895
Vale of Glamorgan2£10,588950,5073
Warwickshire17£12,089870,92924
West Lothian3£9,394984,5344
West Midlands79£13,483967,566137
West Sussex28£18,691738,71767
West Yorkshire49£12,9821163,73489
Wiltshire18£14,408854,86236
Worcestershire8£15,281745,58322
Add postcode for better results.