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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
All1,302£12,202956,8102,667
Aberdeen City4£21,621426,25514
Aberdeenshire7£15,466650,1796
Angus2£9,995868,0114
Antrim1£8,999877,0003
Ards3£8,025883,6858
Ballymena1£10,995838,0085
Ballymoney1£9,995883,0003
Barking & Dagenham - Greater London1£3,3951879,0006
Bedfordshire48£9,9891071,87860
Belfast6£11,697950,02812
Berkshire26£7,9461371,76164
Brent - Greater London2£10,637967,4263
Bristol28£16,549846,62274
Bromley - Greater London5£26,948415,5397
Buckinghamshire22£10,6101267,97358
Cambridgeshire48£10,018966,91374
Carmarthenshire1£11,495822,8141
Cheshire37£12,4281059,85464
City of Edinburgh10£9,8551063,30912
City of London - Greater London10£4,9041497,6857
Cornwall8£21,451636,51811
County Durham27£12,969851,97947
Craigavon1£15,495516,0005
Croydon - Greater London6£7,4901062,6056
Cumbria15£18,461530,86114
Derbyshire28£13,3391047,37564
Devon20£13,184952,48433
Dorset19£14,877844,81334
Dundee City7£18,239635,48513
Dungannon3£16,298859,3514
Ealing - Greater London8£7,9841377,83113
East Ayrshire4£8,0481079,4699
East Lothian3£28,493114,0188
East Riding of Yorkshire3£9,672958,8677
East Sussex10£13,0361269,18825
Enfield - Greater London5£10,0261042,1628
Essex15£12,5851057,29443
Falkirk9£6,9591286,4727
Fife6£15,205938,75817
Flintshire3£8,390959,841-
Glasgow City18£14,357855,18253
Gloucestershire12£10,2261081,53921
Greater Manchester89£9,945968,986175
Gwynedd1£6,9951269,000-
Hampshire30£11,5451061,26966
Harrow - Greater London5£9,4771253,5888
Havering - Greater London11£9,6751062,75334
Herefordshire1£9,4951148,6854
Hertfordshire31£12,944853,84369
Highland5£21,556324,6676
Hillingdon - Greater London11£10,6061054,94923
Hounslow - Greater London2£10,044851,8659
Inverclyde2£12,249739,8611
Isle of Anglesey1£3,50010143,2001
Isle of Wight1£12,995754,6831
Kent25£11,4931072,79850
Kingston upon Thames - Greater London2£11,0201036,3752
Lancashire53£12,083856,047109
Larne1£9,450964,8001
Leicestershire21£11,078966,87141
Lincolnshire39£13,580945,41278
Merseyside12£13,859744,79330
Merthyr Tydfil3£11,179853,2294
Monmouthshire1£3,29513105,0002
Neath Port Talbot3£9,9271062,364-
Newham - Greater London1£3,998-38,4211
Newport1£11,998868,000-
Newry and Mourne2£3,9501673,1944
Newtownabbey2£8,495972,6274
Norfolk22£13,383953,43658
North Ayrshire3£10,731847,3424
North Down1£10,995859,4563
North Lanarkshire1£7,0701172,6294
North Yorkshire16£12,4671153,60047
Northamptonshire10£14,081960,78144
Northumberland7£14,255835,4547
Nottinghamshire31£11,2771067,14156
Oxfordshire4£13,1851052,48014
Pembrokeshire1£10,367944,131-
Perth and Kinross2£19,244549,1969
Redbridge - Greater London1£8,450975,36610
Renfrewshire2£19,998532,54116
Rhondda Cynon Taf5£6,5501088,7497
Shropshire11£11,0921277,35419
Somerset13£13,259849,50327
South Ayrshire4£18,343639,43916
South Lanarkshire4£17,170628,2207
South Yorkshire41£9,2551174,67864
Staffordshire10£12,448752,46644
Stirling3£14,364744,40422
Suffolk12£10,8741060,85751
Surrey31£16,506946,55563
Sutton - Greater London1£6,3901176,0001
Swansea5£20,687314,94910
Tyne and Wear30£11,7021059,51663
Warwickshire13£15,230845,3375
West Lothian2£11,495874,2256
West Midlands70£13,943963,911151
West Sussex22£19,230728,91750
West Yorkshire53£13,004959,78483
Wiltshire13£11,4641162,74836
Worcestershire9£21,320731,11920
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