Used car finance across Jersey and Guernsey.
Used cars in Jersey and Guernsey hold their value well because the island market is relatively small. Whether you are buying from a dealer in St Helier or a private seller in St Peter Port, we find competitive used car finance to fit your budget. Poor credit history is not a barrier — we have specialist lenders who consider applicants that high street banks decline.
- Competitive rates for used vehicles, including older models and high mileage cars
- Buy from any dealer or private seller in Jersey or Guernsey
- Own the car outright from day one with a personal loan
- Poor credit history? Specialist lenders are available for used car finance
- Fixed monthly repayments so you always know what you owe
- Funds typically released within days of approval, depending on the lender
Used purchase terms
No obligation. No credit check to enquire.
What used car lenders check
- Jersey or Guernsey resident aged 18 or over
- Vehicle typically under 10 years old (exceptions exist for classic vehicles)
- Provable income from employment, benefits, or self-employment
- Poor credit history considered through specialist lenders
- Private purchase or dealer purchase both acceptable
- Joint applications welcome
Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply. Unfamiliar with any of the terms above? Loan terms explained.
Ready to get started?
Two ways to begin — choose whichever suits you best.
No credit check to enquire
No obligation
Decision often within days
Financing a used purchase
Tell us about the car and how much you need
Share the vehicle details, age, and purchase price. No credit check at this stage.
We compare used car finance options
We search Channel Islands lenders, including those who consider older vehicles and applicants with varied credit histories.
Funds in your account
Once approved, funds are typically in your account within days, depending on the lender. Pay the seller and take ownership immediately.
Buying used, answered
Most standard lenders finance vehicles up to 10 years old at the end of the loan term. Specialist lenders may go further, including classic and vintage vehicles.
Yes. With a personal loan, the funds are paid to you and you pay the seller directly. This gives you full flexibility over who you buy from.
Yes. We work with specialist lenders who consider applicants with defaults, missed payments, or county court judgements. Rates may be higher, but options exist.
Sometimes, because older vehicles are seen as higher risk by some lenders. However, the lower purchase price often means your overall borrowing costs are lower.
Yes. If you part-exchange at a dealer, you can borrow the remainder. Tell us the final amount you need and we will find the best rate for that figure.
Work out the cost first
Check the monthly payment and total cost of a quote, convert a dealer's flat rate to an APR, and see what Vehicle Emissions Duty adds if you finance it.
Open the car finance calculatorReady to get the vehicle moving?
Complete a full application online or request a call back and we will do the searching for you.
No obligation. No credit check to enquire.
Secure application
Apply Online
Complete your full loan application below. Your information is handled securely and sent directly to our team.
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We've received your application details. A member of our team will review it and contact you within one business day to discuss next steps.
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Free, no-obligation
Request a Call Back
Leave your details and a member of our team will call you back within one business day. No obligation, no credit check.
Request received — thank you
We've received your details and a member of our team will call you back within one business day.
Something went wrong. Please try again or email us at info@nowagogo.com.