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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
All1,361£12,924856,7292,828
Aberdeen City8£24,703320,11018
Aberdeenshire8£16,051649,9297
Angus2£13,995734,2123
Antrim1£7,6901059,0003
Ards4£8,789985,1555
Armagh1£9,495781,8201
Ballymena1£8,995982,5174
Barking & Dagenham - Greater London1£3,50013120,4504
Barnet - Greater London2£27,36514,3297
Bedfordshire48£10,3361070,75885
Belfast9£13,801744,98310
Berkshire29£9,7201269,53864
Brent - Greater London1£10,784959,8525
Bristol32£15,048859,59267
Bromley - Greater London5£23,801314,80011
Buckinghamshire28£10,7661173,10758
Cambridgeshire51£11,254857,70185
Cardiff2£9,874951,3216
Carmarthenshire1£11,995822,8141
Ceredigion6£8,9951060,6868
Cheshire36£12,504958,03560
City of Edinburgh13£14,541857,51929
City of London - Greater London13£6,6061380,54818
Coleraine1£7,450980,4831
Cornwall9£17,626651,90413
County Durham15£11,157861,29551
Craigavon1£16,245516,0007
Croydon - Greater London7£9,856957,3989
Cumbria12£19,273528,81324
Derbyshire29£13,6281048,70377
Devon18£10,3741155,88541
Dorset17£18,227637,78334
Down1£12,395643,0001
Dundee City4£18,449533,03610
Dungannon2£20,723639,7103
Ealing - Greater London6£7,9101468,34214
East Ayrshire4£11,798865,0929
East Riding of Yorkshire5£10,094861,71612
East Sussex10£12,9971262,36528
Enfield - Greater London5£10,998944,52812
Essex23£13,295958,22252
Falkirk11£7,6451281,4168
Fife5£13,5401040,71919
Flintshire2£11,990740,500-
Glasgow City22£15,830852,46552
Gloucestershire12£13,818972,11118
Greater Manchester108£10,890960,948177
Gwynedd1£6,9951269,000-
Hampshire30£11,731953,23967
Harrow - Greater London5£9,1371352,1888
Havering - Greater London9£9,4381060,94626
Herefordshire1£17,490540,6253
Hertfordshire25£15,256847,37866
Highland4£30,496219,0126
Hillingdon - Greater London12£10,9911054,99826
Hounslow - Greater London6£23,115425,17531
Isle of Anglesey1£3,50010143,2001
Isle of Wight1£12,995754,6833
Kent23£11,7391065,00335
Kingston upon Thames - Greater London4£11,358952,817-
Lancashire61£12,002857,491110
Larne1£9,450964,8002
Leicestershire16£10,632970,40755
Lincolnshire38£13,313950,77682
Merseyside18£14,357741,00822
Merthyr Tydfil4£11,071858,7484
Merton - Greater London1£9,790963,000-
Monmouthshire2£4,14512116,5003
Neath Port Talbot2£9,6431164,093-
Newport1£12,295868,0001
Newry and Mourne3£7,9731095,0394
Newtownabbey1£7,495992,8493
Norfolk31£11,463962,32751
North Ayrshire3£9,763962,2706
North Down1£11,995742,0373
North Lanarkshire2£12,925849,22611
North Yorkshire16£13,4401265,55640
Northamptonshire9£9,023975,20140
Northumberland5£10,449950,4559
Nottinghamshire29£11,2511066,89547
Oxfordshire8£18,728738,68213
Pembrokeshire1£10,495944,131-
Perth and Kinross6£21,178530,0807
Redbridge - Greater London3£6,9651275,56814
Renfrewshire3£22,331323,42616
Rhondda Cynon Taf5£6,2501090,2207
Shropshire12£12,4571165,54818
Somerset13£16,126748,04424
South Ayrshire6£16,311747,15215
South Lanarkshire4£20,370419,77211
South Yorkshire23£9,1811182,51171
Staffordshire14£13,825851,15053
Stirling9£14,632642,86622
Suffolk16£12,802960,80041
Surrey33£16,694842,89970
Swansea7£17,266631,6789
Torfaen1£6,9959101,655-
Tyne and Wear29£11,6851058,40767
Warwickshire5£24,406422,4759
West Lothian3£10,328876,6448
West Midlands75£14,956960,205154
West Sussex24£17,015835,93347
West Yorkshire41£13,1271064,51994
Wiltshire11£12,6761067,50638
Worcestershire12£16,713738,50524
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