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Can I get car finance for a private car sale?

Yes, Zuto have lots of experience financing cars which are sold privately. We work with a number of lenders who are able to finance cars when purchased through a private sale. Some of our lenders may require additional information, including from the seller, but this is something our car buying specialists will talk you through during the process.

The biggest difference between buying a car privately instead of through a dealer is the lack of protection, usually offered by dealers through a guarantee which protects you for an agreed period in case something went wrong with the vehicle.

What type of finance will it be?

When buying a car privately, the finance type will usually be in the form of a personal loan, or a hire purchase agreement.

A personal loan is the only kind of finance which is not secured against the vehicle. This means you own the car from day one. You will receive a lump sum from the lender to pay for the car, which you then pay off over a set period of time.

A hire purchase agreement, also known as HP finance, is similar to a personal loan where you pay regular monthly payments, with the main difference being the loan amount is secured against the vehicle meaning you don’t own the car until the loan is fully paid off.


At Zuto we offer a free vehicle history and valuation check for all our customers but we would still recommend you get the car fully checked over by a qualified mechanic before purchasing to ensure it doesn’t cause you any problems further down the line.

Written by

Mike Barlow

Content Manager

Mike has worked at Zuto since 2018 and uses his experience within the industry to help customers understand the ins and outs of car finance.

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