Used Car Finance in Watford

At Specto Motors, we make financing your used car in Watford straightforward and stress-free. Whether you're looking for flexible payment plans or competitive interest rates, our expert team is here to help you secure the best finance option to suit your budget. Drive away in your ideal car with ease and confidence.

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£24,900
Porsche
3.0 V6 E-Hybrid S SUV 5dr Petrol Plug-in Hybrid TiptronicS 4WD Euro 6 (s/s) (416 ps)
£24,900
Porsche Cayenne 3.0 V6 E-Hybrid S SUV 5dr Petrol Plug-in Hybrid TiptronicS 4WD Euro 6 (s/s) (416 ps)
2015
66,200 miles
Petrol Plug-in Hybrid
Automatic
83.1 mpg
Compliant

£20,500
BMW
4.4 V8 Saloon 4dr Petrol DCT Euro 5 (s/s) (560 ps)
£20,500
BMW M6 Gran Coupe 4.4 V8 Saloon 4dr Petrol DCT Euro 5 (s/s) (560 ps)
2014
70,500 miles
Petrol
Automatic
28.5 mpg
Compliant

£11,950
Ford
2.0 TDCi Titanium Sport MPV 5dr Diesel Powershift AWD Euro 6 (s/s) (180 ps)
£11,950
Ford S-Max 2.0 TDCi Titanium Sport MPV 5dr Diesel Powershift AWD Euro 6 (s/s) (180 ps)
2016
64,059 miles
Diesel
Automatic
48.7 mpg
Compliant

£11,900
Jaguar
2.0 D180 Portfolio SUV 5dr Diesel Auto AWD Euro 6 (s/s) (180 ps)
£11,900
Jaguar F-PACE 2.0 D180 Portfolio SUV 5dr Diesel Auto AWD Euro 6 (s/s) (180 ps)
2017
90,300 miles
Diesel
Automatic
40.6 mpg
Compliant

£10,850
Land Rover
2.0 TD4 HSE Dynamic Lux SUV 5dr Diesel Auto 4WD Euro 6 (s/s) (180 ps)
£10,850
Land Rover Range Rover Evoque 2.0 TD4 HSE Dynamic Lux SUV 5dr Diesel Auto 4WD Euro 6 (s/s) (180 ps)
2015
74,500 miles
Diesel
Automatic
55.4 mpg
Compliant

£9,500
Mercedes-Benz
1.6 CLA180 AMG Line Coupe 4dr Petrol Manual Euro 6 (s/s) (122 ps)
£9,500
Mercedes-Benz CLA 1.6 CLA180 AMG Line Coupe 4dr Petrol Manual Euro 6 (s/s) (122 ps)
2017
103,000 miles
Petrol
Manual
51.4 mpg
Compliant

£9,400
Ford
1.0T EcoBoost GPF Titanium SUV 5dr Petrol Auto Euro 6 (s/s) (125 ps)
£9,400
Ford EcoSport 1.0T EcoBoost GPF Titanium SUV 5dr Petrol Auto Euro 6 (s/s) (125 ps)
2018
57,874 miles
Petrol
Automatic
38.7 mpg
Compliant

£8,800
Peugeot
1.2 PureTech Tech Edition Estate 5dr Petrol EAT Euro 6 (s/s) (130 ps)
£8,800
Peugeot 308 SW 1.2 PureTech Tech Edition Estate 5dr Petrol EAT Euro 6 (s/s) (130 ps)
2019
61,600 miles
Petrol
Automatic
48.5 mpg
Compliant

£8,500
BMW
2.0 118d Sport Hatchback 5dr Diesel Auto Euro 6 (s/s) (150 ps)
£8,500
BMW 1 Series 2.0 118d Sport Hatchback 5dr Diesel Auto Euro 6 (s/s) (150 ps)
2015
76,000 miles
Diesel
Automatic
70.6 mpg
Compliant

£7,650
Lexus
5.0 600h V8 L RSR Saloon 4dr Petrol Hybrid CVT 4WD Euro 5 (s/s) (445 ps)
£7,650
Lexus LS 5.0 600h V8 L RSR Saloon 4dr Petrol Hybrid CVT 4WD Euro 5 (s/s) (445 ps)
2007
160,550 miles
Petrol Hybrid
Automatic
30.4 mpg
Compliant

£7,500
Ford
1.0T EcoBoost Titanium Hatchback 5dr Petrol Manual Euro 6 (s/s) (125 ps)
£7,500
Ford Fiesta 1.0T EcoBoost Titanium Hatchback 5dr Petrol Manual Euro 6 (s/s) (125 ps)
2018
60,530 miles
Petrol
Manual
65.7 mpg
Compliant

£6,950
BMW
Hatchback 5dr Petrol Plug-in Hybrid Auto Euro 6 (s/s) (Range Extender) (170 ps)
£6,950
BMW i3 Hatchback 5dr Petrol Plug-in Hybrid Auto Euro 6 (s/s) (Range Extender) (170 ps)
2015
57,450 miles
Petrol Plug-in Hybrid
Automatic
470.8 mpg
Compliant

£6,900
Vauxhall
1.0i Turbo ecoFLEX Excite Hatchback 5dr Petrol Manual Euro 6 (s/s) (a/c) (115 ps)
£6,900
Vauxhall Corsa 1.0i Turbo ecoFLEX Excite Hatchback 5dr Petrol Manual Euro 6 (s/s) (a/c) (115 ps)
2016
29,582 miles
Petrol
Manual
57.6 mpg
Compliant

£6,500
Volkswagen
1.4 TSI BlueMotion Tech SE Hatchback 5dr Petrol DSG Euro 5 (s/s) (122 ps)
£6,500
Volkswagen Golf 1.4 TSI BlueMotion Tech SE Hatchback 5dr Petrol DSG Euro 5 (s/s) (122 ps)
2014
105,000 miles
Petrol
Automatic
56.5 mpg
Compliant

£6,350
Volkswagen
1.4 Match Hatchback 5dr Petrol DSG Euro 5 (85 ps)
£6,350
Volkswagen Polo 1.4 Match Hatchback 5dr Petrol DSG Euro 5 (85 ps)
2012
66,800 miles
Petrol
Automatic
48.7 mpg
Compliant

£6,150
Audi
1.4 TFSI CoD Sport Sportback 5dr Petrol Manual Euro 6 (s/s) (150 ps)
£6,150
Audi A3 1.4 TFSI CoD Sport Sportback 5dr Petrol Manual Euro 6 (s/s) (150 ps)
2015
107,000 miles
Petrol
Manual
58.9 mpg
Compliant

£5,900
Saab
 
£5,900
Saab 9-5
2012
130,240 miles
Petrol
Automatic
Not Compliant

£5,900
Volkswagen
2.0 TSI GT Hatchback 3dr Petrol DSG Euro 4 (200 ps)
£5,900
Volkswagen Scirocco 2.0 TSI GT Hatchback 3dr Petrol DSG Euro 4 (200 ps)
2009
81,000 miles
Petrol
Automatic
37.2 mpg
Compliant

£5,750
Toyota
2.0 XT3 SUV 5dr Petrol Automatic 4WD (212 g/km, 150 bhp)
£5,750
Toyota RAV4 2.0 XT3 SUV 5dr Petrol Automatic 4WD (212 g/km, 150 bhp)
2007
70,850 miles
Petrol
Automatic
31.4 mpg
Compliant

£5,700
Volkswagen
1.4 TSI BlueMotion Tech ACT GT Hatchback 5dr Petrol Manual Euro 6 (s/s) (140 ps)
£5,700
Volkswagen Golf 1.4 TSI BlueMotion Tech ACT GT Hatchback 5dr Petrol Manual Euro 6 (s/s) (140 ps)
2013
113,770 miles
Petrol
Manual
58.9 mpg
Compliant

£5,600
Citroen
1.2 PureTech Flair Hatchback 5dr Petrol Manual Euro 6 (s/s) (110 ps)
£5,600
Citroen C4 Cactus 1.2 PureTech Flair Hatchback 5dr Petrol Manual Euro 6 (s/s) (110 ps)
2016
54,662 miles
Petrol
Manual
65.7 mpg
Compliant

£5,550
Smart
0.9T Proxy (Premium Plus) Hatchback 5dr Petrol Manual Euro 6 (s/s) (90 ps)
£5,550
Smart forfour 0.9T Proxy (Premium Plus) Hatchback 5dr Petrol Manual Euro 6 (s/s) (90 ps)
2016
58,000 miles
Petrol
Manual
65.7 mpg
Compliant

£5,100
Peugeot
1.2 PureTech Signature Hatchback 5dr Petrol Manual Euro 6 (s/s) (82 ps)
£5,100
Peugeot 208 1.2 PureTech Signature Hatchback 5dr Petrol Manual Euro 6 (s/s) (82 ps)
2018
77,422 miles
Petrol
Manual
51.5 mpg
Compliant

£3,200
BMW
2.0 118d Sport Hatchback 5dr Diesel Manual Euro 6 (s/s) (150 ps)
£3,200
BMW 1 Series 2.0 118d Sport Hatchback 5dr Diesel Manual Euro 6 (s/s) (150 ps)
2015
172,537 miles
Diesel
Manual
68.9 mpg
Compliant

We offer a variety of finance options including Hire Purchase (HP), Personal Contract Purchase (PCP), and Lease Purchase. Our finance team can help tailor a plan that suits your budget and needs.

Yes, we work with several lenders who specialise in providing finance for individuals with a range of credit histories. We encourage you to apply as we assess each application individually.

The process is straightforward. You can start by filling out our online finance application form. Once submitted, our finance team will review your application and contact you to discuss further details and next steps.

We do not charge any fees for applying for finance. However, depending on your finance agreement, there may be fees related to the finance product you choose. All fees will be clearly outlined in your finance agreement.

Absolutely, we accept part exchanges as a deposit. The value of your current vehicle can be assessed and used towards the deposit for your next car purchase.

We aim to provide decisions as quickly as possible, typically within 24 to 48 hours. Our team works diligently to ensure a smooth and efficient process for all applicants.