Can I get car finance on a private sale?

While car finance on private sales is available, here at CarFinance 247, we don’t currently work with any lenders who can offer HP or PCP finance for cars bought through private sales. Instead, you can choose a car from any reputable UK dealer or check out our car search, which has over 100,000 used cars.

There are several advantages of buying a car from a dealership, especially those that are members of our Marketplace. These trusted dealerships must adhere to a set of standards and feature star ratings next to their listings, which are generated from real customer reviews.

Cars bought from dealerships are also covered by the Consumer Credit Act 2015. This gives you certain rights that allow you to get your vehicle repaired – or potentially refunded – if it’s faulty. Private sellers might be able to sell a used car more cheaply, but they aren’t covered by the Act so, if something does go wrong, you could be unprotected.