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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
All1,336£12,772957,4882,974
Aberdeen City6£26,429319,82321
Aberdeenshire7£16,988645,0627
Angus2£13,995734,2123
Antrim1£7,6901059,0002
Ards3£7,558993,4676
Ballymena1£8,995982,5174
Ballymoney1£10,250883,0003
Barking & Dagenham - Greater London3£4,5811493,1503
Bedfordshire50£9,8711073,01786
Belfast6£13,038847,89613
Berkshire25£10,0001266,61267
Brent - Greater London2£10,887967,4265
Bristol36£14,557961,30576
Bromley - Greater London3£28,94419,16010
Buckinghamshire27£9,5121175,40360
Cambridgeshire47£10,803957,89287
Cardiff2£8,247962,5022
Carmarthenshire1£11,495822,8141
Ceredigion6£8,9951060,6868
Cheshire39£13,088954,02566
City of Edinburgh9£9,9511071,67817
City of London - Greater London9£4,7481693,88310
Coleraine1£7,450980,4831
Cornwall7£19,806645,21014
County Durham17£10,360962,48751
Craigavon1£16,167516,0007
Croydon - Greater London7£10,005852,6116
Cumbria11£19,399528,77725
Derbyshire29£13,7531047,53382
Devon16£12,9491042,17744
Dorset19£16,580638,64434
Dundee City6£14,882741,9359
Dungannon2£20,723639,7103
Ealing - Greater London8£8,1761283,20615
East Ayrshire3£10,731868,28510
East Lothian3£28,493114,01817
East Riding of Yorkshire2£19,522628,23813
East Sussex9£9,1561484,16532
Enfield - Greater London6£10,865947,35712
Essex18£13,719950,48350
Falkirk11£7,5991281,4168
Fife5£14,6041143,77418
Flintshire2£11,990740,500-
Glasgow City25£12,969960,25755
Gloucestershire10£11,1751180,15823
Greater Manchester107£10,714962,048187
Gwynedd1£6,9951269,000-
Hampshire29£11,6211059,92471
Harrow - Greater London5£9,0571352,1887
Havering - Greater London14£9,6481056,98436
Herefordshire1£17,490540,6253
Hertfordshire27£16,107744,43668
Highland4£32,995110,5138
Hillingdon - Greater London10£11,2781051,36928
Hounslow - Greater London11£17,877738,04431
Isle of Anglesey1£3,50010143,2001
Isle of Wight1£12,995754,6832
Kent21£11,0071069,92344
Kingston upon Thames - Greater London4£11,358952,817-
Lancashire58£12,132853,731120
Larne1£9,450964,8002
Leicestershire17£11,569967,07155
Lincolnshire36£13,837950,51693
Merseyside18£14,365741,34526
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£11,2741063,48253
North Ayrshire1£9,695952,2398
North Lanarkshire1£13,230956,45110
North Yorkshire18£14,1921164,08743
Northamptonshire10£10,620871,07440
Northumberland5£15,897743,37610
Nottinghamshire22£10,8751069,15655
Oxfordshire8£17,027838,99713
Pembrokeshire1£10,495944,131-
Perth and Kinross5£19,932427,0958
Redbridge - Greater London3£5,15014101,12215
Renfrewshire4£17,373538,00517
Rhondda Cynon Taf5£6,2501090,2207
Shropshire9£11,8241170,00221
Somerset11£17,043740,52925
South Ayrshire5£16,774640,63616
South Lanarkshire4£20,620419,77211
South Yorkshire30£9,6041175,22171
Staffordshire15£12,562753,52353
Stirling5£10,578857,98026
Suffolk15£12,0951062,48146
Surrey35£16,625845,35672
Swansea5£16,299632,90210
Torfaen1£6,9959101,655-
Tyne and Wear31£10,6991161,26270
Warwickshire4£26,859313,56210
West Lothian2£11,495874,2258
West Midlands72£15,186961,741161
West Sussex27£18,682733,66751
West Yorkshire45£12,2691064,25097
Wiltshire10£13,0851166,73041
Worcestershire10£17,356736,52521
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