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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.

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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
All1,475£13,116956,4093,099
Aberdeenshire12£20,354541,21019
Angus2£11,995864,62622
Argyll & Bute1£17,9791076,000-
Ayrshire9£9,375957,60520
Bedfordshire37£9,3461174,99673
Berkshire35£9,1261368,62375
Blaenau Gwent2£7,5431277,1139
Borders1£16,149733,7951
Bridgend6£8,2611158,19412
Bristol24£16,784755,54059
Buckinghamshire31£14,4751059,27060
Caerphilly3£7,1601175,3603
Cambridgeshire43£12,180963,04864
Cardiff10£24,461534,72737
Ceredigion1£9,880944,1311
Cheshire28£13,190850,91051
Conwy3£13,662741,0001
Cornwall6£16,891635,14416
County Antrim10£9,812971,03446
County Armagh4£8,9851258,81510
County Down5£7,3341180,72711
County Durham22£13,323755,13861
County Fermanagh1£8,950792,000-
County Londonderry3£8,9801068,5986
County Tyrone2£18,973771,7104
Cumbria11£15,318639,75917
Derbyshire34£14,371842,61978
Devon16£15,485951,63253
Dorset21£13,464949,31540
East Lothian1£7,9501268,3881
East Riding of Yorkshire7£17,038645,64318
East Sussex14£15,603951,64836
Essex30£13,117962,96942
Falkirk10£7,9311179,1483
Fife5£12,3971146,98524
Flintshire7£8,6471697,2403
Gloucestershire19£13,394873,99121
Greater London100£11,720959,599214
Greater Manchester90£10,928963,254177
Gwynedd1£6,9951269,0001
Hampshire35£10,969959,50364
Herefordshire1£6,495993,0244
Hertfordshire52£13,405853,915115
Highland6£21,246429,5958
Isle of Wight2£7,4951689,842-
Kent24£11,7221156,30663
Lanarkshire29£18,401643,98149
Lancashire63£12,973857,875105
Leicestershire14£8,7241172,79935
Lincolnshire39£15,828748,50991
Merseyside10£12,931843,19136
Merthyr Tydfil1£12,499735,6195
Midlothian15£12,936853,31821
Monmouthshire2£7,7231173,2753
Neath Port Talbot1£10,995950,9091
Newport3£10,546940,27810
Norfolk20£17,152645,74766
North Yorkshire19£16,886940,32747
Northamptonshire13£12,499767,72746
Northumberland5£17,220632,09515
Nottinghamshire28£12,614860,54989
Oxfordshire7£18,500534,36819
Perth & Kinross1£11,799744,00011
Renfrewshire6£11,357854,1767
Rhondda Cynon Taf5£7,3771075,1043
Shropshire8£13,662856,02624
Somerset10£14,038637,96324
South Yorkshire40£11,5341170,68074
Staffordshire15£15,387851,91342
Stirling3£25,163319,13812
Suffolk21£10,9831163,80147
Surrey36£15,015948,55675
Swansea7£19,541535,46412
Torfaen2£7,8951075,1771
Tyne and Wear36£11,332957,42693
Vale of Glamorgan2£11,338956,4804
Warwickshire14£16,314644,18428
West Lothian3£11,928868,8178
West Midlands90£12,7201070,889131
West Sussex26£20,114733,55567
West Yorkshire55£16,895953,10999
Wiltshire26£16,959743,00935
Worcestershire12£20,434739,41917
Wrexham1£10,695846,1854
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