Used Car Finance

We understand that buying a car is one of life's bigger purchases. That's why at Barn Cars, we're here to make vehicle finance as straightforward and affordable as possible. 

As an FCA-regulated dealer, we work with our trusted broker partner Octane Finance to access a panel of leading lenders, ensuring you get the best car finance deal to suit your budget and circumstances.

Why Choose Barn Cars for Your Used Car Finance?

FCA Regulated & Authorised  

Your peace of mind is our priority. As a fully FCA (Financial Conduct Authority) regulated business, we follow strict guidelines to ensure you receive fair, transparent, and responsible lending advice.

Flexible Solutions for Everyone  

Whether you have an excellent credit score, a limited credit history, or have faced financial difficulties in the past, we have car finance options to help. We've successfully arranged finance for customers across Essex and the wider UK who thought they couldn't get approved elsewhere.

Same-Day Decisions  

In most cases, we can provide car finance decisions within minutes, not days. Our streamlined process means you could drive away in your chosen vehicle the same day you visit us.

Local Essex Expertise  

Based just off Junction 28 of the M25, we understand the needs of local customers across Essex, from Brentwood to Basildon, Chelmsford to Southend. Our personal approach means you'll always speak to Daniel, Oliver, or a member of our close-knit team.

Used Car Finance Options Available:

Personal Contract Purchase (PCP)

How it works: 

With PCP used car finance, you can expect lower monthly payments with a larger optional final payment if you want to keep the car at the end of your agreement.

Benefits:

• Lower monthly payments than a traditional Hire Purchase option
• Flexibility at the end of the term (keep, return, or part exchange your car)
• Option to upgrade to a newer vehicle
• Deposit options available

PCP is ideal for:

Customers who like driving newer cars and want flexibility at the end of their agreement.

Hire Purchase (HP)

How it works: 

With HP used car finance, you pay a deposit followed by fixed monthly payments. Once all payments are complete, you own the car outright (subject to a small administrative fee).

Benefits:

• Simple and straightforward finance solution
• Fixed monthly payments for easy budgeting
• Own the car at the end of the agreement
• No mileage restrictions

HP is ideal for:

Customers who want to own their vehicle and prefer predictable monthly costs.

Additional Benefits of Used Car Finance:

Early Settlement  

Do you want to pay off your car finance early? Most of our agreements allow early settlement with potential savings on interest.

Payment Protection  

Optional payment protection insurance is available to cover your payments if you can't work due to illness or unemployment.

Guaranteed Future Value  

With PCP agreements, you enjoy the security of knowing your car's minimum future value is guaranteed.

Finance Calculator - Plan Your Budget Online

When you find the car for you, use our free online finance calculator to find the ideal agreement to meet your budget.

Why Use Our Car Finance Calculator?

1. Instant Results: Get immediate estimates for both PCP and HP agreements
2. Compare Options: See monthly payments side-by-side to find what works for you
3. Flexible Inputs: Adjust deposit amounts and terms to see how they affect your payments
4. No Obligation: Calculate freely without any commitment or credit checks
5. Accurate Estimates: Based on current rates available through Octane Finance

How It Works:

Simply enter your preferred loan term, annual mileage, monthly payment or deposit amount. The calculator will instantly show you estimated monthly payments for both PCP and HP options, helping you make an informed decision before you visit or call.

Are you ready to see the results? You will find our finance calculators visible on each vehicle listed on our website. Search our stock here.

Expert Broker Support for Used Car Buyers

Our partnership with Octane Finance means you benefit from:

• Access to multiple leading lenders across the UK
• Expert broker knowledge and experience
• Competitive rates across the market
• Streamlined application process
• Professional finance advice tailored to your needs

Get Your Used Car Finance Quote Today

Getting started is easy:

• Online Application: Complete our quick online form below
• Call Us: Speak directly to the Barn Cars team for personalised advice  
• Visit Us: Pop in for a face-to-face chat and vehicle viewing

Serving Essex and Beyond  

While we're proudly based in Essex, we arrange used car finance for customers across the UK. Our local knowledge of the Essex market, combined with national lending connections, gives you the best of both worlds.

Apply for Finance Below.