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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.

1,465 cars

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
All1,426£13,256856,8613,114
Aberdeenshire11£22,184534,68920
Angus4£10,509864,55018
Argyll & Bute1£17,9791076,000-
Ayrshire8£11,722752,55822
Bedfordshire31£8,7891181,21977
Berkshire32£11,1591265,28179
Blaenau Gwent5£8,498974,7399
Borders1£16,149733,7951
Bridgend7£9,0741063,28911
Bristol15£14,039867,75362
Buckinghamshire33£14,802960,25758
Caerphilly4£6,3691386,0202
Cambridgeshire42£11,129965,52369
Cardiff13£22,512539,36432
Ceredigion1£9,880944,1311
Cheshire25£12,490856,15955
Conwy2£13,995740,0002
Cornwall5£16,767632,90315
County Antrim11£10,600868,66043
County Armagh5£10,1581164,3678
County Down4£7,0441281,13314
County Durham22£11,926858,93962
County Fermanagh1£8,950792,000-
County Londonderry3£7,2151176,9257
County Tyrone2£18,973771,7103
Cumbria12£16,803642,20019
Derbyshire31£16,523841,36883
Devon16£14,060954,43852
Dorset19£14,530846,41841
East Lothian1£7,7501268,3881
East Riding of Yorkshire7£15,468650,37718
East Sussex14£14,3391059,92035
Essex28£13,318962,95543
Falkirk8£9,1471171,0995
Fife6£17,947839,72322
Flintshire7£8,9391695,0974
Gloucestershire20£11,888978,70622
Greater London88£11,993960,156223
Greater Manchester98£10,841966,143173
Gwynedd1£6,9951269,0001
Hampshire27£11,705955,54267
Herefordshire1£6,495993,0244
Hertfordshire50£12,686854,935117
Highland4£23,246321,26110
Isle of Wight2£11,495867,6521
Kent25£12,2841155,58562
Lanarkshire27£18,225645,51047
Lancashire65£13,148856,645105
Leicestershire15£7,9881272,50933
Lincolnshire34£15,721847,44592
Merseyside11£11,491950,67433
Merthyr Tydfil1£11,999735,6194
Midlothian8£13,535749,40529
Monmouthshire2£7,7231173,2753
Neath Port Talbot1£10,995950,9091
Newport3£10,479940,2789
Norfolk18£16,236748,17060
North Yorkshire18£17,472946,32242
Northamptonshire14£14,302664,72644
Northumberland4£19,052633,11916
Nottinghamshire26£13,236763,92984
Oxfordshire7£17,333538,23818
Perth & Kinross2£16,049635,75010
Renfrewshire4£11,036853,52710
Rhondda Cynon Taf5£7,3171075,1043
Shropshire7£9,5981081,80928
Somerset14£17,114634,01021
South Yorkshire38£10,3181170,51679
Staffordshire16£17,628743,05242
Stirling2£25,695219,26013
Suffolk20£12,0441156,97843
Surrey39£16,013946,10073
Swansea6£21,966424,58411
Torfaen2£7,8951075,1771
Tyne and Wear37£10,6291062,48092
Vale of Glamorgan2£8,4931066,6015
Warwickshire15£16,533646,33029
West Lothian2£11,395874,2259
West Midlands96£12,8651067,930119
West Sussex25£19,302733,44671
West Yorkshire57£15,4011054,338101
Wiltshire21£15,291846,91236
Worcestershire8£19,929839,64722
Wrexham1£10,695845,8093
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