Kent's leading used car finance specialist

Used car finance from Westwood C&C

Westwood Car & Commercials are one of Kent's leading used car finance specialists, offering competitive monthly payment solutions on our range of quality used cars. We work with the UK's most established finance providers including MotoNovo Finance, Black Horse Finance and Blue Motor Finance.

We have our own fully FCA approved in-house finance team who will ensure that you have all the funding options explained thoroughly to you before committing to financing your next used car purchase. Regardless whether your credit rating is excellent, good, fair or poor, your situation will be handled professionally by the finance experts at Westwood C&C. We use our extensive network of finance lenders to ensure you get the best possible finance deal meaning you can drive away the used car of your dreams - for less than you might expect.

Why should I take out finance on my used car?

Taking out finance means you don't have to pay for your used car before you drive away. The finance company purchases the car on your behalf and then you make monthly repayments until you repay the amount borrowed - with interest. This helps you spread the cost of a used car, making it more affordable.

Will I get accepted for used car finance?

Not sure if you'll get accepted for car finance? Our online free finance eligibility checker lets you check the likelihood of finance approval from the comfort of your own home - with absolutely no obligation to buy! You can even use our online finance calculator to check the monthly repayments on any of our 50+ quality second-hand cars - start searching for your next used car now!

How long does the finance application take?

The application process itself takes a matter of minutes. We just need to know a few basics about you, your address history, your employment history - plus your banking history and income. You could even drive away your car today, with many of our lenders able to make a lending decision in under one hour!

Personalised car finance with MotoNovo

Representative 12.9% APR, Rates from 4.9% APR

We want to help you get a straight forward car finance deal that works for you. MotoNovo use your credit score to help determine your APR, whether you have an excellent, fair or even a poor history - our team is here to help you find the right deal for your circumstances.

Below are some examples of the APR you might be able to get based on both your Credit Score and your Loan to Value (the percentage of lending against the total value of the car). This means you can influence the APR you receive based on the size of your deposit and the amount you borrow, as well as your credit score.

These are example APRs only and rates offered will be based on each individual finance proposal.

  • Excellent CreditFrom 4.9%
  • Very Good CreditFrom 7.4%
  • Good CreditFrom 10.9%
  • Fair CreditFrom 13.4%
  • Poor CreditFrom 16.9%

How does the process work?

  1. Search: Find your perfect car from our wide range of vehicles at Westwood C&C
  2. Quote: Our in-house finance team will help you understand your finance options and get a quote from MotoNovo
  3. Drive away: If you’re happy, sign the paperwork and drive away today!


Your finance explained

  • Representative 12.9% APR and rates starting from 4.9%
  • Transparent decision making
  • Straightforward application process
  • Finance can be for new and existing customers
  • Pricing is based on each individual customers’ credit score
  • A soft credit search is conducted to give you a quote (this doesn’t affect your credit rating)

Representative example: Cash Price £9,999.00. Deposit £0. Total Amount of Credit £9,999.00. 59 Monthly Payments of £223.42. with a final payment of £224.42. which includes an Option to Purchase Fee of £1.00. Duration of Agreement is 60 months. Total Amount Payable is £13,404.42. Total Cost of Credit £3405.42. Annual Fixed Interest Rate of 6.81%. Representative APR 12.9%.

Used car finance options explained:

Hire Purchase (HP) Explained

  • Low APR
  • Available with £0 deposit
  • Pay nothing for 2 months (exclusive to MotoNovo Finance customers only)
  • Terms available from 12 to 60 months
  • Equal monthly payments spread across the term of the agreement
  • Not restricted on mileage
  • Own the car outright at the end of the term


Personal Contract Purchase (PCP) Explained

  • Low APR
  • Available with £0 deposit
  • Pay nothing for 2 months (exclusive to MotoNovo Finance customers only)
  • Terms available from 24 to 48 months 
  • Equal monthly payments spread across the term of the agreement with optional balloon payment at the end of the term
  • Three flexible options at the end of the agreement terms:
    1. Pay off the final balance, also known as a balloon payment and take ownership of the vehicle
    2. Hand the vehicle back to us (Additional charges apply for exceeding the mileage limit set out in your agreement, or if the vehicle has been damaged).
    3. Part exchange the vehicle against your next vehicle
  • Ideal for those who regularly change cars every 2 - 3 years


Westwood C&C operate 7 days a week - Monday to Friday 9am to 5.30pm & Sunday 10am to 2pm. For totally impartial advice and to hear more about the various finance solutions available on our used cars, just call our dedicated team, based in our Kent showroom on 01474 708299.

Alternatively, click on the 'Finance Available' link on the main vehicle page for a link to our online application form. We can usually get a decision within 60 minutes so you could even drive away your new car the very same day!