HQ Sourcing Ltd T/A Nationwide Motor FinanceFCA authorised and regulatedFRN 1054103Credit broker, not a lender

Used-car buying guide

Choose the car and the agreement together.

The right monthly payment is not useful if the car does not suit your mileage, space, insurance or maintenance budget. Compare the vehicle and finance as one decision.

  • Real used cars in stock
  • Some lender decisions in seconds
  • Initial review within one working hour
  • 12.9% representative APR
Prepared and reviewed by the Nationwide Motor Finance team for HQ Sourcing LtdLast reviewed 25 August 2026
01

Define what the car needs to do

List the journeys, passenger space, luggage capacity, fuel type, gearbox and clean-air requirements that matter. A car bought mainly for short urban trips may need different priorities from one used for motorway mileage or towing.

Check insurance before committing. A car with a similar purchase price can have a very different insurance group, fuel economy and maintenance cost.

02

Review the vehicle information

Look at age, mileage, service information, MOT history, condition, number of owners, tyres, warning lights and supplied keys. Ask what preparation and warranty are included and arrange a viewing or test drive before purchase where possible.

  • Mileage and service history
  • MOT record and advisories
  • Bodywork and interior condition
  • Tyres, brakes and warning lights
  • Keys and documentation
  • Warranty and preparation
03

Compare the full finance illustration

Review the deposit, amount of credit, APR, term, monthly payment and total payable. A lower payment over more months can cost more overall and may leave you paying for an older car for longer.

Confirm that the vehicle remains available and suitable for the provider's criteria. Finance is subject to status and affordability, and the final terms may differ from a website illustration.

Current vehicle examples

Start with a car you can see.

These monthly figures are illustrations, not quotes. Open a vehicle to see its full gallery and details.

View all current cars and monthly illustrations →

Helpful answers

Questions about choosing a used car on finance.

Should I choose the car or finance first?

Set a realistic budget first, then compare real vehicles and the finance illustration together.

Does mileage affect car finance?

It can. Providers may apply vehicle-age and mileage limits, including limits at the end of the agreement.

Should I test drive a financed used car?

Where practical, inspect and test drive the car before purchase and ask questions about its condition, preparation and warranty.

Is the cheapest monthly payment the best option?

Not necessarily. Compare the agreement term, total interest, total payable and the car's running costs.

Ready when you are

Ask about a real car and a realistic monthly budget.

The on-site form sends an eligibility enquiry to our credit-broker team. It is not a finance application or lender decision.

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