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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
All1,253£11,795959,3982,886
Aberdeen City5£18,755532,05513
Aberdeenshire4£19,405535,5059
Angus1£6,8951099,1326
Antrim1£12,599717,0005
Ards1£6,48910105,1747
Ballymena1£10,995838,0084
Ballymoney1£9,995883,0002
Barking & Dagenham - Greater London1£3,3951879,0007
Bedfordshire51£10,0241172,39461
Belfast6£10,0631060,21213
Berkshire21£7,1431370,00584
Brent - Greater London2£10,637967,4262
Bristol23£19,543743,96474
Bromley - Greater London3£28,093110,83410
Buckinghamshire17£8,5561383,09665
Cambridgeshire41£9,863972,00778
Ceredigion1£8,291978,7331
Cheshire42£12,398960,00168
City of Edinburgh7£8,6241069,13313
City of London - Greater London5£4,5391497,33812
Cornwall6£15,110748,64112
County Durham23£12,799854,78659
Croydon - Greater London4£9,865757,5049
Cumbria11£20,206624,42619
Denbighshire1£13,995855,670-
Derbyshire30£13,1451045,30773
Devon21£12,959954,34642
Dorset15£15,509950,33642
Dumfries and Galloway1£10,998750,0953
Dundee City5£14,696748,04615
Dungannon1£27,950649,4196
Ealing - Greater London6£9,4521172,60914
East Ayrshire5£7,4771079,2756
East Lothian4£27,689114,2636
East Riding of Yorkshire1£7,995971,5367
East Sussex8£13,6161165,53327
Enfield - Greater London6£10,442950,17810
Essex21£11,9531063,20843
Falkirk9£7,9841282,5158
Fife7£15,0761052,53322
Flintshire3£8,245959,841-
Glasgow City9£16,838760,71357
Gloucestershire14£10,2571085,34821
Greater Manchester89£9,8581067,276194
Gwynedd1£6,9951269,000-
Hampshire34£9,7431069,45367
Harrow - Greater London6£8,9061261,9359
Havering - Greater London18£12,613855,05136
Herefordshire1£9,4951148,6854
Hertfordshire36£14,663847,75969
Highland2£27,495218,5099
Hillingdon - Greater London13£10,8071058,14624
Hounslow - Greater London4£9,3331064,4337
Inverclyde1£12,495749,0002
Isle of Anglesey1£3,50010143,200-
Isle of Wight1£12,995754,6831
Kent20£9,3451181,99558
Kingston upon Thames - Greater London3£10,3251052,5832
Lancashire58£12,691854,62797
Larne1£9,450964,8001
Leicestershire18£7,9571280,65843
Lincolnshire37£13,186948,96891
Merseyside14£12,648849,84531
Merthyr Tydfil2£11,749859,9964
Monmouthshire1£3,29513105,0002
Neath Port Talbot3£9,9271062,364-
Newham - Greater London1£3,998-38,4211
Newport1£6,9951680,3631
Newry and Mourne3£6,9731466,2624
Newtownabbey3£8,663868,7945
Norfolk26£13,283959,14960
North Ayrshire3£10,664847,3424
North Lanarkshire2£6,9351180,5153
North Yorkshire11£13,1441152,52248
Northamptonshire13£12,901862,57846
Northumberland8£13,723838,3178
Nottinghamshire29£13,296853,75270
Oxfordshire5£18,533526,06814
Perth and Kinross4£15,196655,6558
Redbridge - Greater London2£4,00017105,0008
Rhondda Cynon Taf5£6,4361088,7495
Scottish Borders1£10,149970,500-
Shropshire5£10,1551455,99826
Somerset10£12,511851,65627
South Ayrshire4£13,369850,43117
South Lanarkshire2£18,245526,6399
South Yorkshire41£10,2231170,04975
Staffordshire14£11,568849,28841
Stirling2£9,997956,06119
Suffolk8£8,7141270,87951
Surrey24£17,259841,30269
Swansea1-01011
Tyne and Wear32£11,1391161,11981
Warwickshire9£16,228740,83710
West Lothian3£9,660979,4175
West Midlands73£12,8431065,319160
West Sussex25£16,539839,62362
West Yorkshire49£13,0131066,21690
Wiltshire16£13,379953,69637
Worcestershire9£19,692729,12225
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