How Carspring works:

Used cars on finance - paying monthly

No other way of buying a car makes it as easy to pay monthly. Our process is simple, online and only takes a few minutes to complete. It’s not just easy, it’s also great value. We work closely with our carefully selected used car finance partners to scour the market for the very best finance options available. Here’s how it works:


Find the car you’re looking for

Take a look through our catalogue of expertly inspected used cars, deciding which set of wheels is perfect for you.


Fill out a finance application

Once you’ve found your ideal car, select ‘Finance’. Then, go ahead and fill out our simple finance application. This will ask you for basic information about you, your address and your employment history. We’ll then submit this to the finance partner that suits your situation best.

buy used cars on finance from your mobile

Our partner will send you a quote

Once one of our used car finance partners have performed a quick background check on your credit history, they'll then contact you with a rough quote. This will give you a good idea of how much you’d be paying each month.


Happy? They'll match you with a suitable lender

Our used car finance partners are finance brokers. Think of them as your own personal comparison website. If you’re happy with the initial quote they’ve sent you, let them know and they’ll then get to work scouring the market, working with some of the top lenders, to find your perfect payment plan.


Return your finance contract

Once they've found you an ideal lender, your used car finance provider will contact you with details of your payment plan. You'll also receive a finance contract to sign and return. The faster this is returned, the sooner you'll get your car.


Pay a small, £100 reservation fee

Found that perfect car? By this stage, you don't want to let it go. As we generally have a lot of interest in our cars, we ask you to put down a £100 reservation fee. This exclusively holds the car for 2 days while your finance contract is finalised and money for the car is transferred to us.


We receive the money from your lender

At this point, your lender will issue a pay out to us for the vehicle. We'll then refund your £100 reservation fee via bank transfer. Then, the car's all yours.

inspection included on every used car on finance

Your car goes through our preparation process

Before we confirm a delivery slot with you, we put your car through our preparation process. This always includes an RAC-verified inspection, a deep clean and a rigorous quality control procedure. We'll also put the car through an MOT if required. We'll keep you updated throughout the process, but ask you’re a little patient, as it can take up to 14 working days. When it's ready, we'll be in touch to confirm a delivery slot.

Want an idea of your monthly payments?

Use our used car finance calculator to get an idea of how much you'd be paying back each month. Simply tell us your credit history, the price of the car you want to buy and over what period of time you want to borrow the money for. Happy with your estimate? Click through to our catalogue page and go ahead and fill out a quick finance application.

We do our best to make financing your car as easy and open as possible:

  • Simple, online process
  • Decision within days
  • All applications considered

Representative example: Good credit

Borrowing £ 7,500 over 48 months with a representative APR of 15.95%, an annual interest rate of 15.95% and a deposit of £ 0.00, the amount payable would be: £ 208.15 a month, with a total amount of £ 9,991.14

Car Finance Calculator
What is your credit rating like?
How much do you want to borrow? £ 7,000
How long do you want to borrow it for? 48 months
24 months
60 months

Borrowing £ 7,000 over 48 months will cost you £ 191.19 per month

Best available rate*, average credit, £ 7,000, 48 months, 14.9 APR