Plata Garage

8 October 2026 · finance · guide

How to finance a used car: your options

How to finance a used car: your options

There are several ways to pay for your next car in instalments. We explain them so you can choose the one that suits you best.

Dealer finance

It's the easiest option: we handle the application with the lender and you don't have to go anywhere. Each car's page shows the monthly payment with no down payment, and applying takes 2 minutes.

A loan from your bank

If your bank has already granted you a loan, you can also pay for the car with it.

With a down payment or your car

If you pay part in cash or trade in your car, you finance less and the monthly payment goes down. Value your car with no obligation.

See cars by monthly payment.

Want to know what your car is worth?

We'll give you an indicative valuation and, if you like, take it as a trade-in.

Cars you might like

* Indicative monthly payments with no down payment, over the longest term available and with the cheapest finance company for each car. They include the registration transfer and the financed opening fee. Financing subject to approval by the lender (Confía or Lendrock). The full example with all the details is in each car's calculator.