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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
All1,314£12,639957,5482,972
Aberdeen City7£24,439426,22019
Aberdeenshire7£16,988645,0627
Angus1£11,995719,8064
Antrim1£7,5991059,0002
Ards2£5,59210114,5877
Ballymena1£8,995982,5174
Ballymoney1£10,250883,0003
Barking & Dagenham - Greater London3£4,5811493,1503
Bedfordshire49£9,9831072,34484
Belfast6£13,038847,89613
Berkshire22£9,3211270,04068
Brent - Greater London2£10,887967,4265
Bristol33£14,953859,51676
Bromley - Greater London3£28,94419,1609
Buckinghamshire26£9,3781176,45260
Cambridgeshire45£10,703959,57989
Cardiff2£8,247962,5022
Carmarthenshire1£11,495822,8141
Ceredigion5£8,9951066,8919
Cheshire37£13,241954,13768
City of Edinburgh10£10,7551066,51017
City of London - Greater London9£4,7481693,88310
Coleraine1£7,450980,4831
Cornwall7£19,806645,21014
County Durham16£11,761857,31751
Craigavon1£16,167516,0007
Croydon - Greater London7£10,005852,6116
Cumbria13£17,437637,43225
Derbyshire32£13,9711047,92180
Devon16£12,9771042,19044
Dorset19£16,566638,64434
Dundee City6£14,882741,9359
Dungannon2£20,723639,7103
Ealing - Greater London10£7,6611375,66514
East Ayrshire3£10,731868,28510
East Lothian3£28,493114,01817
East Riding of Yorkshire2£19,522628,23812
East Sussex9£9,1561484,16532
Enfield - Greater London5£10,558946,43613
Essex18£13,970849,46051
Falkirk11£7,5991281,4168
Fife5£14,6041143,77418
Flintshire2£11,990740,500-
Glasgow City26£12,866960,13053
Gloucestershire11£11,2491078,59823
Greater Manchester105£10,681962,188187
Gwynedd1£6,9951269,000-
Hampshire28£11,9441058,41571
Harrow - Greater London5£9,0571352,1887
Havering - Greater London13£9,6441057,80536
Hertfordshire27£15,507745,74067
Highland4£32,995110,5138
Hillingdon - Greater London10£11,2621051,36926
Hounslow - Greater London11£17,877738,04431
Isle of Anglesey1£3,50010143,2001
Isle of Wight1£12,995754,6832
Kent19£11,0471072,06846
Kingston upon Thames - Greater London3£10,810949,4221
Lancashire58£12,154853,654119
Larne1£9,450964,8002
Leicestershire17£11,569967,07154
Lincolnshire35£13,868950,54691
Merseyside17£14,576740,06726
Merthyr Tydfil4£10,896858,7484
Monmouthshire3£3,42814123,6672
Neath Port Talbot2£9,6431164,093-
Newham - Greater London1£3,998-38,4211
Newport1£12,295868,0001
Newry and Mourne2£2,95012115,5005
Newtownabbey1£7,995986,2544
Norfolk33£10,9861066,57253
North Ayrshire1£9,695952,2397
North Lanarkshire1£13,230956,45110
North Yorkshire18£12,4361167,37545
Northamptonshire9£10,189876,28140
Northumberland6£15,164739,6599
Nottinghamshire21£11,1271068,65354
Oxfordshire8£17,027838,99713
Pembrokeshire1£10,495944,131-
Perth and Kinross5£19,932427,0958
Redbridge - Greater London2£6,3231278,68317
Renfrewshire3£18,498535,36918
Rhondda Cynon Taf6£6,0411090,6977
Shropshire9£11,8131282,30221
Somerset12£17,035841,44325
South Ayrshire6£15,478744,12316
South Lanarkshire2£21,995413,45813
South Yorkshire30£9,0551175,77372
Staffordshire15£13,151748,45652
Stirling6£10,315955,35426
Suffolk15£9,9751064,57146
Surrey34£16,433846,01471
Swansea5£16,299632,90210
Torfaen1£6,9959101,655-
Tyne and Wear31£10,5761161,92670
Warwickshire4£26,859313,56210
West Lothian2£11,495874,2258
West Midlands71£15,148962,549160
West Sussex25£19,191730,71052
West Yorkshire43£12,1361063,351101
Wiltshire11£14,3221060,69040
Worcestershire10£17,356736,52521
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