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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
All1,265£12,395957,4152,871
Aberdeen City3£19,830530,71915
Aberdeenshire7£15,194650,1796
Angus1£7,9958116,2155
Antrim1£12,749717,0004
Ards2£5,39210114,5876
Ballymena1£10,995838,0085
Ballymoney1£9,995883,0003
Barking & Dagenham - Greater London1£3,3951879,0006
Bedfordshire53£9,2871175,15863
Belfast4£7,6731164,23513
Berkshire27£7,0301373,55372
Brent - Greater London2£10,637967,4263
Bristol27£17,609742,64077
Bromley - Greater London2£35,440210,78410
Buckinghamshire23£10,9881167,79662
Cambridgeshire42£9,632970,51879
Carmarthenshire1£11,495822,8141
Cheshire39£12,782957,30367
City of Edinburgh11£9,2141065,79912
City of London - Greater London10£4,7781497,6857
Cornwall7£16,240848,70313
County Durham21£11,931851,27557
Croydon - Greater London6£7,4901062,6086
Cumbria14£20,304424,33016
Denbighshire1£13,995855,670-
Derbyshire30£14,1981043,40673
Devon20£14,210954,17836
Dorset16£15,710846,14640
Dundee City6£15,579741,14514
Dungannon2£17,473869,2105
Ealing - Greater London8£7,9621377,83113
East Ayrshire7£13,115865,8106
East Lothian4£27,689114,2638
East Riding of Yorkshire2£9,148963,7678
East Sussex7£13,1941164,96929
Enfield - Greater London3£8,6151148,93910
Essex21£12,3521059,20144
Falkirk9£6,9591286,4726
Fife10£14,5481045,36720
Flintshire3£8,390959,841-
Glasgow City16£17,331750,23757
Gloucestershire15£11,124977,14322
Greater Manchester86£10,373967,171188
Gwynedd1£6,9951269,000-
Hampshire32£11,0471065,94265
Harrow - Greater London7£8,3121356,7477
Havering - Greater London16£11,715857,85334
Herefordshire2£6,9451274,8433
Hertfordshire28£12,538855,05375
Highland4£19,821429,7857
Hillingdon - Greater London11£10,9781057,65226
Hounslow - Greater London2£10,044851,8659
Inverclyde2£12,249739,8611
Isle of Anglesey1£3,50010143,2001
Isle of Wight1£12,995754,6831
Kent22£9,5591175,79457
Kingston upon Thames - Greater London2£10,9201036,3752
Lancashire53£12,856855,491113
Larne1£9,450964,8001
Leicestershire21£10,552968,06443
Lincolnshire34£15,207842,98794
Merseyside11£12,908848,02634
Merthyr Tydfil3£11,179853,2294
Monmouthshire1£3,29513105,0002
Neath Port Talbot3£9,9271062,364-
Newham - Greater London1£3,998-38,4211
Newry and Mourne3£6,9731466,2624
Newtownabbey3£9,828960,8725
Norfolk26£12,950954,63059
North Ayrshire3£10,731847,3424
North Yorkshire13£14,9391047,87050
Northamptonshire10£12,327866,28150
Northumberland7£14,254839,0878
Nottinghamshire28£11,840963,28665
Oxfordshire4£13,1741052,48014
Perth and Kinross3£16,229653,1679
Redbridge - Greater London1£8,450975,36610
Renfrewshire2£20,498434,45817
Rhondda Cynon Taf5£6,4361088,7497
Scottish Borders1£10,149970,500-
Shropshire8£9,8211382,88823
Somerset9£13,970847,20028
South Ayrshire4£18,343639,55516
South Lanarkshire3£21,828320,02710
South Yorkshire45£9,5971171,10971
Staffordshire9£12,523742,09245
Stirling4£16,423641,83222
Suffolk9£9,6341060,80955
Surrey25£15,612944,93670
Swansea4£23,082313,03911
Tyne and Wear35£11,7841058,73470
Warwickshire12£15,719843,3386
West Lothian2£11,495874,2256
West Midlands64£13,9521064,385159
West Sussex21£16,845935,54161
West Yorkshire49£13,340960,40191
Wiltshire14£14,198953,00435
Worcestershire8£20,716824,08623
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