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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
All1,196£12,249957,7812,790
Aberdeen City5£19,954524,93813
Aberdeenshire4£18,820535,5057
Angus2£9,2458107,1297
Antrim1£9,998862,0006
Ards1£6,44010105,1747
Ballymoney1£8,995883,000-
Barking & Dagenham - Greater London3£3,3791897,1376
Barnet - Greater London1£7,850875,028-
Bedfordshire39£10,9171069,24567
Belfast6£10,697966,92519
Berkshire26£9,6201364,76578
Brent - Greater London1£10,784959,8522
Bristol24£21,162640,78371
Bromley - Greater London7£25,904213,9478
Buckinghamshire19£11,1621176,25560
Cambridgeshire30£10,785965,47974
Ceredigion1£8,291978,7331
Cheshire35£12,307959,40055
City of Edinburgh13£9,892968,17510
City of London - Greater London6£4,11615102,4467
Cornwall3£19,068633,37614
County Durham21£11,386855,03958
Craigavon1£8,950871,5593
Croydon - Greater London2£10,243945,00011
Cumbria10£19,480530,42116
Denbighshire1£13,995855,670-
Derbyshire35£13,229947,61569
Devon17£11,731960,97147
Dorset10£20,365646,24441
Dundee City2£10,2001052,56316
Dungannon2£18,973771,7105
Ealing - Greater London5£9,0071276,01012
East Ayrshire4£9,373969,5796
East Lothian5£19,086624,1175
East Riding of Yorkshire2£26,750112,7334
East Sussex13£15,154948,38928
Enfield - Greater London6£12,460849,9129
Essex21£12,207955,70743
Falkirk10£7,9761179,1484
Fife7£17,783942,12318
Glasgow City13£14,362859,82042
Gloucestershire14£11,328975,13720
Greater Manchester76£10,218969,367186
Gwynedd1£6,9951269,000-
Hampshire29£8,8841174,47564
Harrow - Greater London6£12,230951,2049
Havering - Greater London14£12,133851,41940
Herefordshire1£9,1951148,6984
Hertfordshire24£14,212851,04486
Highland5£20,796428,7137
Hillingdon - Greater London17£14,559854,75025
Hounslow - Greater London4£7,58612106,6656
Inverclyde1£11,595749,0002
Isle of Wight1£12,995754,683-
Kent22£10,1401174,93463
Kingston upon Thames - Greater London1£8,4901236,9004
Lancashire59£12,600857,73298
Leicestershire15£8,9491176,72337
Lincolnshire27£12,981951,21397
Lisburn1£11,995856,231-
Magherafelt2£10,623859,922-
Merseyside15£11,840851,45832
Merthyr Tydfil1£12,499735,6195
Monmouthshire1-21125,0003
Neath Port Talbot1£10,995950,9091
Newham - Greater London1£3,998-38,421-
Newry and Mourne3£7,8701659,1505
Newtownabbey3£7,6621072,6057
Norfolk27£14,570957,31355
North Ayrshire5£9,1371057,4994
North Down1£10,495741,0002
North Lanarkshire3£8,1431070,1624
North Yorkshire16£16,0981155,85242
Northamptonshire7£11,460866,96341
Northumberland7£14,569732,9238
Nottinghamshire19£13,773753,21577
Oxfordshire7£18,470628,23715
Perth and Kinross4£14,997839,73511
Redbridge - Greater London3£1,97520105,9008
Renfrewshire2£11,447851,76110
Rhondda Cynon Taf6£7,0461085,8513
Scottish Borders1£10,149970,500-
Shropshire5£13,472941,57523
Somerset9£14,803753,25625
South Ayrshire3£15,496639,55712
South Lanarkshire2£26,24528,6339
South Yorkshire36£9,0461274,42771
Staffordshire15£12,054847,74036
Stirling1£16,499654,00118
Suffolk11£10,1901165,06741
Surrey23£18,640835,63265
Sutton - Greater London3£8,7381166,8372
Swansea1-0106
Tyne and Wear35£13,089857,06481
Warwickshire10£16,333544,32112
West Lothian3£9,394984,5343
West Midlands76£12,7361069,200143
West Sussex24£16,478843,79564
West Yorkshire45£13,7481162,18894
Wiltshire17£14,028857,18134
Worcestershire9£18,415739,35521
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