Does the idea of buying a car fill you with dread? If visiting a dealership, kicking tyres and wrangling over prices is your idea of a living nightmare, don’t worry – there is a better way.

Nowadays, it’s possible to browse a selection of car makes and models online, including detailed camera angles of the exterior and interior, a full review of their history and a comparison of their prices. What’s more, you can even sign on the virtual dotted line and handle all of the paperwork, all from the comfort of your own home.

How can you make this stressful procedure as painless and straightforward as possible? By visiting Cazoo, of course.

Who are Cazoo?

Cazoo is a fantastic new portal where you can access hundreds of used cars online, all in one place. They only stock the best used cars from across the UK, all of which are priced reasonably and transparently. Cazoo believe in putting the customer first, which is why they never include hidden fees or charges in any of their pricing.

Having been launched in 2018 by the brains behind LoveFilm and Zoopla – both of which transformed the movie rental and real estate industries, respectively – Cazoo brings a similar approach to the world of buying a car. While such a task used to represent a tiresome ordeal, it can now be conducted with a few clicks of the mouse.

Thanks to the vision of its founder and the dedication of its employees, Cazoo now makes buying a car as simple and as straightforward as any other online purchase.

How does it work?

As with any other important purchase, the first step in acquiring your next car starts with research. You can browse through the hundreds of available cars at Cazoo, viewing them from all angles and reading up on their history. They never stock cars with financial or insurance issues and always make sure their vehicles run like a well-oiled machine, meaning there are plenty of options for you to choose from.

After deciding on the car that’s right for you, it’s then simply a case of approving the transaction and transferring the funds. There’s no need for you to leave your home in order to obtain the car – instead, Cazoo will deliver direct to your doorstep in as little as 72 hours after the sale is completed. Alternatively, you can arrange to pick the car up from one of Cazoo’s Customer Centres.

Either way, the handover will be handled by a qualified specialist and you’ll have seven days in which to test the car out and see how you like it. If, for any reason, you’re dissatisfied with the vehicle, you’re entitled to a full refund within seven days of receiving it. You’ll also benefit from a week of free insurance cover, a free 90-day warranty and 90 days of free RAC roadside assistance, too.

Why should I buy a car from Cazoo?

Aside from the convenience and ease of buying a car from Cazoo, there are plenty of other reasons why this enterprising site is becoming more and more popular by the day. Here are just a few of them:

  • Huge range of top-quality cars. Cazoo pride themselves on only stocking the best used cars from across the market. Every vehicle on their website has undergone a recent service and MOT (where necessary), giving you complete peace of mind about its quality.
  • Meticulous attention to detail. Before a vehicle is listed on the Cazoo site, it undergoes a painstaking 150-point inspection to ensure everything is as it should be. Any car which doesn’t make the cut, doesn’t get sold.
  • Expert reconditioning. We’ve all experienced a used car that has seen better days. At Cazoo, they invest significant funds in restoring and reconditioning cars to the manufacturer’s settings, so it’s almost good as new.
  • Free delivery. Why would you go to your new car when your new car can come to you? Cazoo deliver seven days a week between 8am and 8pm, all across the UK. You could be behind the wheel in as little as 72 hours after completing the purchase, all without leaving your home!
  • Complete peace of mind. With seven days in which to return the car for a full refund, and a comprehensive 90-day warranty on top of that, you can rest assured that the vehicle you buy is right for you.

Who are Cazoo finance?

As well as facilitating the search for a used car and aiding the process of buying it, Cazoo can also help with finding the funds to complete the purchase. As a finance broker, they’ll always compare the deals offered by a number of different lenders and identify the one that’s best for you.

There are two different payment options to choose from. Customers can either opt for a Hire Purchase (HP), where you spread the cost of the car over an agreed number of monthly instalments. On the other hand, you might prefer to opt for a Personal Contract Purchase (PCP). With this plan, you pay lower monthly instalments over a pre-agreed term, at the end of which you can choose to pay a larger, final payment to secure ownership of the car.

PCP plans are cheaper and more flexible than HP ones, since you can always choose not to pay the final sum and switch to a new plan at the end of your term. Whichever way you choose to finance your car, Cazoo are on hand to meet your needs.

How can My Car Credit help?

If the convenience of Cazoo appeals, but you’d still prefer a slightly more hands-on approach to buying a used car, My Car Credit might hold the solution. We can help you source your dream vehicle through hundreds of approved dealerships across the UK, ensuring you find your perfect set of wheels.

What’s more, we can also provide the support and expertise necessary to facilitate the transaction at every stage of the process. That includes car financing – as the UK’s largest car finance broker, we can help you access the best lenders for your unique circumstances, even if you’re looking for car finance with a poor credit rating. Get a decision within minutes!

Best of all, we assign a personal advisor to every customer we work with, ensuring there will always be someone on hand to answer your questions and give you advice. Want to see what all the fuss is about? Get in touch with us on 01246 458 810 or send an email to Get the wheels in motion today!

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating


  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed


  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs


  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit


  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past


  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan

X monthly repayments of

Typical rate

Loan amount

Total payable




*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!