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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
All1,428£12,313958,8292,866
Aberdeen City9£23,535423,97017
Aberdeenshire7£16,951645,0627
Angus5£12,166744,7741
Ards3£9,555878,4813
Armagh1£9,495781,8201
Ballymena1£8,995982,5174
Barking & Dagenham - Greater London2£4,54813103,7253
Barnet - Greater London3£21,508514,5527
Bedfordshire51£10,4111069,99087
Belfast9£13,801744,98311
Berkshire27£10,3461165,96963
Blaenau Gwent2£11,908551,1458
Bristol31£14,006861,06266
Bromley - Greater London5£24,094314,80011
Buckinghamshire30£11,6641170,24855
Caerphilly1£6,9951090,0003
Cambridgeshire52£11,313857,66587
Cardiff3£14,245742,9886
Carmarthenshire2£10,493849,907-
Ceredigion8£8,1831163,1569
Cheshire35£12,457958,61860
City of Edinburgh10£14,805855,34831
City of London - Greater London20£7,9071271,08928
Coleraine1£7,450980,4831
Conwy1£13,995522,0001
Cornwall10£17,121649,44013
County Durham16£11,345855,78049
Craigavon1£16,245516,0007
Croydon - Greater London7£9,856957,39811
Cumbria11£14,362427,07524
Derbyshire23£13,3001150,96675
Derry1£6,6501191,3731
Devon16£10,8971151,12043
Dorset17£17,621635,78535
Down1£12,395643,0001
Dundee City4£18,449533,03610
Dungannon1£13,495530,0003
Ealing - Greater London7£7,2081475,00714
East Ayrshire4£11,798865,0929
East Riding of Yorkshire4£9,243969,97715
East Sussex12£12,5841362,26328
Enfield - Greater London4£10,997943,04012
Essex25£12,6351060,58957
Falkirk12£7,3231283,2188
Fife7£14,927935,31018
Flintshire2£11,990740,500-
Glasgow City22£16,108850,91749
Gloucestershire15£12,754973,54222
Greater Manchester109£11,088960,577173
Gwynedd1£6,9951269,000-
Hampshire29£11,741954,60966
Harrow - Greater London6£9,0961351,82310
Havering - Greater London6£7,8721172,44225
Herefordshire1£17,490540,6253
Hertfordshire33£13,564952,37275
Highland5£29,396216,4095
Hillingdon - Greater London12£11,083957,05023
Hounslow - Greater London7£16,906733,73630
Inverclyde1£8,795976,000-
Isle of Anglesey1£3,50010143,2001
Isle of Wight1£12,995754,6833
Kent23£11,5941065,59135
Kingston upon Thames - Greater London4£11,358952,817-
Lancashire67£10,028856,052104
Larne1£9,450964,8002
Leicestershire15£11,214970,58354
Lincolnshire36£13,266951,18781
Merseyside20£12,000745,26424
Merthyr Tydfil4£11,071858,7484
Merton - Greater London2£9,593958,500-
Monmouthshire3£3,36214125,6672
Neath Port Talbot2£9,6431164,093-
Newport2£8,6471179,0705
Newry and Mourne4£12,1131079,5283
Newtownabbey1£7,495992,8492
Norfolk31£11,450962,03451
North Ayrshire2£11,047862,1784
North Down2£9,243973,6065
North Lanarkshire2£12,925849,22611
North Yorkshire16£14,7011159,47238
Northamptonshire9£8,537980,78142
Northumberland5£10,449950,4559
Nottinghamshire40£11,756962,68058
Oxfordshire9£17,844842,39713
Pembrokeshire1£10,495944,131-
Perth and Kinross6£21,146530,0807
Redbridge - Greater London3£4,61716103,78913
Renfrewshire4£20,123424,69015
Rhondda Cynon Taf5£6,2901090,2207
Shropshire14£11,9871166,14121
Somerset12£16,170745,89323
South Ayrshire7£15,695747,98416
South Lanarkshire3£23,495312,60614
South Yorkshire25£9,3831178,72071
Staffordshire14£13,851851,15056
Stirling8£14,873643,89822
Suffolk21£11,5301067,61143
Surrey38£15,607848,21474
Sutton - Greater London1£1,09517155,8931
Swansea8£16,444635,36111
Torfaen1£6,9959101,655-
Tyne and Wear33£11,5421056,68267
Warwickshire7£20,883439,76810
West Lothian3£10,328876,6448
West Midlands77£14,802959,544152
West Sussex21£17,169836,00646
West Yorkshire39£13,459964,52894
Wiltshire11£11,4671166,95636
Worcestershire12£16,088739,24924
Wrexham1£9,4951048,938-
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