Used Car Finance
Making your next used car fit effortlessly into your life is what we’re proud to do here at Carlingo, and part of that is helping you decide how to pay for it. The purchase of your car should be a fun and exciting time, and the car finance plans we’re proud to offer here in Harrogate are designed to make the whole process smooth sailing.
The knowledgeable Carlingo team are more than happy to run through the variety of car finance options available to you, with rates as low as 11.9%*, tailoring your plan to fit your financial requirements. Buying a new car doesn’t have to be complicated; we make it straightforward.

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Spread the costWe take the time to understand your circumstances, tailoring your plan to a term that suits you with payments built for your budget.
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Competitive ratesWe’ll always do the best we can for you, with competitive APR rates from 11.9%* on HP and PCP.
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Quick & easyThere’s no need to prolong the process; you’ll receive a fast decision so that you know where you stand.
Our lending partners
We work together with these trusted lending partners to find the right finance plan for you:
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Black Horse is one of the UK’s leading providers of car finance and has helped millions of customers with their car purchase.
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Specialising in motor finance for over 40 years, MotoNovo helps thousands of people fund their next car through trusted dealerships all over the UK.
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ALPHERA Financial Services is part of the BMW Group. Car finance built on quality, clarity and choice.
FAQs
Some frequently asked question about car finance
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Nothing is too much trouble. Just ask!Car finance can initially seem overwhelming, but we promise that we can break it down with you. Whether you know what you want from the outset, or need a little advice to make things clearer, we can help get things organised and get you behind the wheel with no stress or fuss; it’s the Carlingo way.
*Finance representative example for HP. Total cash price £10,000. Borrowing £9,000 with a £1000 deposit at a representative APR of 11.9%. Total amount payable £12,820.60. Interest charges of £2,820.60. Rate of interest (fixed) 11.28%.