Financing a used car

It's in your hands

Financing a used car at Richard Nash Cars is a great way to spread the cost of your next vehicle - putting you in the driving seat of your ideal car with 0% deposit. It's quick, easy and you could have a decision in minutes. Best of all - car finance gives you the flexibility to pay your way, on your phone.


Your in charge of your finance with the MotoNovo app

Change your payment date, settle your agreement early or make unlimited over payments with ease. It's in your hands with the MotoNovo app.

Set your own payment date with the MotoNovo app

Fixed Monthly Repayments

Choose the date you want for your payments to go out. The interest rate is fixed so you know exactly what you’re paying each month.

Change Your Car or Settle Early with No Penalty

It’s so flexible. Change your car or settle your finance agreement any time. In fact, you could even get a rebate of any interest you’ve overpaid when you settle your finance agreement early.

Get instant settlement quotes with the MotoNovo app
Manage your payments with the MotoNovo app

Overpay, your way

Want to pay off your finance quicker? Make unlimited overpayments and reduce the length of your finance agreement or reduce your monthly repayments. It's simple - manage your payments through the MotoNovo app.

0% Deposit Finance

No money down finance plans available on every car. Choose your own deposit level to match your budget.

"every member of our team is a Special Automotive Finance expert - so you can count on expert advise..."

How to choose between HP or PCP

Hire Purchase (HP) and Personal Contract Purchase (PCP) are both helpful ways to spread the cost of a car. However there are some key differences between these types of finance and one may suit you better than the other. Read the explanations here to help you decide which option best suits your circumstances.

Hire Purchase


​Ideal if you are looking to spread the cost of your car and own it outright at the end.

✓ Option to own the car with no balloon payment

✓ Fixed monthly repayments

✓ Spread the cost up to five years

 No mileage restrictions

More about HP

Personal Contract Purchase


Gives you lower monthly re-payments with three options at the end. Ideal if you like to keep your car up to date.

Low monthly repayments

Mileage allowance tailored to you

Options to own, return or part-exchange at the end

✓ Guaranteed minimum future value

More about PCP

Car dealer finance

Dealer finance is one of the most popular ways to purchase a car. Our panel of lenders offer competitive interest rates for all types of customers including those with poor credit ratings. Some lenders even offer special perks like the Motonovo Discount Shopping scheme. You can be sure of a great deal on your next car if you choose to finance it at a Richard Nash Cars dealership.


How to apply for finance on a second hand car

Applying for car finance at Richard Nash Cars couldn't be easier; nearly all of our nearly new and second hand cars are suitable for finance. Select the vehicle you are interested in - adjust the term, deposit and mileage using our simple online finance calculator then pick from HP or PCP.

When you're happy with the payments proceed to a straightforward online application. You'll usually have an instant decision and once approved you could be driving your new car in no time at all.

Search and apply

Get exclusive discounts with Motonovo Discount Shopping

Offset some of the cost of your next car with discounts on the things you already buy - like the weekly food shop! If you fund your next car with a finance product from Motonovo Finance then you gain access to exclusive discounts at a number of online and high street retailers.

Get discounts at:

ASDA Tesco | Sainsbury's | M & S | Currys | Debenhams | EE | TOPSHOP | mothercare...and many more*

Already a Motonovo customer? Log in to start saving.

Log in to my Motonovo Discount Shopping

*Available retailers and discounts subject to change without written notification.​