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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.

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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
All1,474£13,317856,4243,093
Aberdeenshire11£22,184534,67320
Angus4£10,509864,55020
Argyll & Bute1£17,9791076,000-
Ayrshire10£10,477858,41719
Bedfordshire35£8,7621082,70476
Berkshire34£11,0111264,34076
Blaenau Gwent5£8,498974,7399
Borders1£16,149733,7951
Bridgend7£8,2611063,59511
Bristol14£15,946763,40265
Buckinghamshire34£14,4061061,28156
Caerphilly3£7,1601175,3602
Cambridgeshire43£10,857966,11567
Cardiff13£22,436540,81834
Ceredigion1£9,880944,1311
Cheshire27£11,968855,25553
Conwy2£13,995740,0002
Cornwall6£16,690635,14415
County Antrim12£10,091972,71543
County Armagh5£10,3781264,3679
County Down5£8,2151069,90613
County Durham25£13,455752,44857
County Fermanagh1£8,950792,000-
County Londonderry3£7,2151176,9257
County Tyrone2£18,973771,7103
Cumbria13£16,202641,33818
Derbyshire32£16,167844,18781
Devon16£14,435952,37552
Dorset19£14,530848,20242
East Lothian1£7,7501268,3881
East Riding of Yorkshire8£14,020754,03218
East Sussex15£15,0671056,02635
Essex28£13,004963,81242
Falkirk8£9,1561171,0995
Fife4£14,2461136,68523
Flintshire7£8,9391695,0974
Gloucestershire19£12,278875,90122
Greater London90£11,949959,683223
Greater Manchester100£10,583966,697172
Gwynedd1£6,9951269,0001
Hampshire31£11,499958,07065
Herefordshire1£6,495993,0244
Hertfordshire53£12,621856,332117
Highland4£23,246321,26110
Isle of Wight2£11,495867,6521
Kent26£12,7541054,44263
Lanarkshire27£18,264645,51050
Lancashire67£13,919854,496103
Leicestershire14£8,4391173,88533
Lincolnshire34£15,926747,37691
Merseyside13£11,788947,99233
Merthyr Tydfil1£11,999735,6194
Midlothian8£13,573749,40529
Monmouthshire2£7,7231173,2753
Neath Port Talbot1£10,995950,9091
Newport3£10,463940,2789
Norfolk18£16,847643,08961
North Yorkshire19£16,895944,86341
Northamptonshire16£13,544667,20243
Northumberland5£19,957640,28716
Nottinghamshire25£13,322763,84185
Oxfordshire7£17,364538,23819
Perth & Kinross2£16,049635,75010
Renfrewshire5£11,528852,3699
Rhondda Cynon Taf5£7,3171075,1043
Shropshire8£9,3921080,45827
Somerset14£17,136634,01022
South Yorkshire38£11,6981166,07576
Staffordshire16£18,739741,44942
Stirling2£25,695219,26013
Suffolk20£12,0541061,85142
Surrey39£16,087945,08272
Swansea6£21,966424,58412
Torfaen2£7,8951075,1771
Tyne and Wear37£10,6791060,67894
Vale of Glamorgan3£9,922962,9444
Warwickshire15£16,536646,33029
West Lothian3£11,928868,8178
West Midlands100£13,2611066,318117
West Sussex26£20,007729,43671
West Yorkshire54£15,5021054,452105
Wiltshire25£15,420847,28535
Worcestershire11£20,266842,42419
Wrexham1£10,695845,8093
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