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 48 hours of approval
Quick facts
No obligation. Soft credit check only.
How it works
Tell us about the car and how much you need
Share the vehicle details, age, and purchase price. Soft credit check only 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 48 hours. Pay the seller and take ownership immediately.
Who can apply?
- 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.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Common questions
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.
Ready to take the next step?
Complete a full application online or request a call back and we will do the searching for you.
No obligation. Soft credit check only.
Secure application
Apply Online
Complete your full loan application below. Your information is handled securely and sent directly to our team.
Almost done — press Send
We've opened an email in your mail app with your application details. Just press Send to submit it, and a member of our team will review it and contact you within one business day to discuss next steps.
Something went wrong. Please try again or email info@nowagogo.com.
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.
Almost done — press Send
We've opened an email in your mail app with your details. Just press Send to complete your request, 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.