Honda Finance Offers

Please click on a model below to view our latest finance offers.

Honda Civic Si
Honda Civic Si 5dr
Honda Insight
Honda Insight
Honda CR-V
Honda CR-V

0% APR Available on Selected Models

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Finance and Insurance Explained

If you are thinking of buying a Honda, Bristol Honda have a range of flexible and cost effective finance packages to meet your needs. Our Friendly finance experts will make everything easy to understand and will work out a solution that fits with your individual financial circumstances.

To find out more about the different options available to you, click on a title below.

  1. Personal Contract Purchase (PCP)

    Honda Aspirations is one of the most affordable ways to finance your new or used Honda and it also gives you a choice of three options at the end of your agreement.

    Here’s how it works:

    1. Firstly, the best bit: you choose the Honda you like.

    2. Then, based on your annual mileage, we calculate a Guaranteed Future Value. This Guaranteed Future Value is the minimum that your Honda will be worth at the end of the agreement.

    3. You then decide on a deposit and repayment term to give you the monthly payment to suit your budget.

    Personal Contract Purchase

    When it comes to the end of the agreement you have three options based on the Guaranteed Future Value. You can Part Exchange your car, return your car or you you can keep it.

    Part Exchange
    You can trade the car in, or sell it yourself. Imagine you have kept the car in excellent condition and had it regularly serviced. The car could be worth more than the Guaranteed Future Value. If it is, you have profit to keep which can form part, or all, of your deposit for your next Honda, once the Guaranteed Future Value has been paid.

    Return your car
    The market could change through no fault of yours and the price could fall below the Guaranteed Future Value. In that case, as long as the car is in good condition and has not exceeded the agreed mileage, you can return the car to us and have nothing more to pay.

    Keep your car
    Should you still be in love with your car, you can keep it. All you have to do is pay the Guaranteed Future Value and thats all we would charge, even if the car is worth more.

    The benefits Honda Aspirations gives you are as follows:

    • With Honda Aspirations, the monthly payments are calculated on the difference between the OTR price and the Guaranteed Future Value (plus interest and charges).

    Which means that you have a shorter finance agreement and lower monthly payments than a traditional finance agreement

    • The market can change but as Honda guarantees your cars minimum future value at the start of the agreement, you know what your car will be worth at the end of the contract

    Which means that the value of your car is protected.

    • Because you could be driving a new Honda every two or three years you can avoid those maintenance costs that normally start in the fourth and fifth year of a cars life

    Which means that Honda Aspirations reduces your future repairs and maintenance costs which can occur in the later years of a cars life.

    So, in summary, with all these benefits Honda Aspirations really is the most effective way to purchase your new or used Honda.

  2. Hire Purchase (HP)

    Honda Hire Purchase is the traditional way to purchase your new or used Honda.

    You can decide on a deposit, repayment term and a monthly payment to suit your budget and then once you reach the end of your agreement, you then own your Honda.

    Your payments are fixed, so youll always know how much your Honda will cost each month and spreading the cost of your purchase over time makes it easier to budget.

    Hire Purchase

  3. Personal Contract Hire (PCH)

    Personal Contract Hire is a type of rental agreement from Honda

    The individually tailored contract gives you a car for an agreed period and mileage. At the end of that period you simply give the car back. All you have to do is insure the car and add petrol; the rest is taken care of. It really is that simple.

    • Fixed regular rentals together with our optional maintenance package make it easier to budget.

    • Your dont have to worry about reselling the car at the end of the agreement.

    • By avoiding an excessive initial outlay, more funds stay in your bank account.

    Personal Contract Hire

  4. Gap Insurance

    Funny thing, car insurance. Even with a clean driving record your premiums never seem to go down. And yet, what some insurance companies are prepared to pay out certainly does.

    If your Honda is written off or stolen, you may not get the purchase price for it: youll get its current value in the open market.

    All of which seems a bit unfair. But with Honda Gap Insurance, youll get back exactly what you paid.

    Heres what usually happens.

    You buy a new car for, say, 14,000. A year later, it gets written off by the insurance company following an accident or theft. In this event, youd be sent a cheque for the current market value: call it 10,000. Which means either finding another 4,000 to buy a similar replacement, or settling for something not quite as good. And whats worse, with every passing year, that shortfalls just going to get bigger.

    Gap Insurance

    When you have Honda Gap Insurance

    You buy the same car for 14,000, and the same misfortune strikes. But as well as the cheque for 10,000 from the insurance company, you get one from us for 4,000, too. Which means you can replace the car like for like. With cover for up to three years, it doesnt matter how much your insurance company pays out: well make sure you get what you originally paid (vehicle purchase price excludes dealer fitted accessories).

    Gap Insurance

    Its incredibly simple. We think youll find the decision is, too.

    • We pay you the difference between the original purchase price and the amount your insurance company will give you if the car is written off as a result of an accident of theft

    • Honda GAP is available on new and used Honda vehicles (up to 7 years old)

    • You can be covered for up to 3 years

    • Well pay the insurance shortfall up to 15,000

    • We can arrange cover in the showroom - instantly

    • Once the claims been processed, we will send you a cheque for the difference

    • Its flexible and convenient - You can pay for it in one go or over 10 months by direct debit

    • Well also even pay any insurance excess up to 250

    Honda Finance Europe plc is Authorised and regulated by the Financial Services Authority for insurance mediation. FSA Firm reference number: 312541. Insurers are London General Life Company Limited, Integra House, Floor 2, Vicarage Road, Egham, Surrey, TW20 9JZ.

  5. Payment Protection

    Your finance payments, AND YOU, protected

    If youre unable to keep up the monthly payments on your Honda Finance agreement because of an accident, illness or redundancy, well pay them for you.

    Our plans, which are available to UK residents aged between 18 and 65, offer 3 main types of cover: (Subject to terms and conditions)

    Life and Critical Illness - Bronze Cover

    All our plans come with Life cover. If the worst happens and you die during the cover period, well pay off the outstanding balance of your finance agreement (less any arrears or interest on the arrears) up to a maximum of 75,000.

    f you suffer a major illness such as cancer, a stroke, or a heart attack, well pay the outstanding balance of your finance agreement (less any arrears or interest on the arrears) up to a maximum of 75,000.

    Life Accident and Sickness - Silver Cover

    Life cover is the same as Bronze but in addition should an accident or sickness keep you off work for 14 days running, well pay your monthly payment, up to a maximum of 1,750. Well go on paying it, for every consecutive 14 days youre unable to work, up to a maximum of 24 payments for the same event. Terms and conditions apply.

    Life, Accident, Sickness & Redundancy or Business Failure - Gold Cover

    Life, Accident and Sickness cover is the same as Silver but in addition, if your permanent job turns out to be anything but and youre left unemployed for 30 days running or your business fails, well pay your monthly payment up to a maximum of 1,750. And well go on paying it for every consecutive 30 days youre unable to work, up to a maximum of 12 payments for the same event. Terms and conditions apply.

    Honda Finance Europe plc is Authorised and regulated by the Financial Services Authority for insurance mediation. FSA Firm reference number: 312541. Insurers are London General Life Company Limited, Integra House, Floor 2, Vicarage Road, Egham, Surrey, TW20 9JZ.

  6. Questions & Answers

    How much can I borrow?
    Any amount from £1,500 up to the price of the car and repayments can be made over any period between one and five years, subject to status.

    Do the interest rates vary depending on how much I borrow?
    No - unlike most banks and other lenders the rate doesn't vary with Honda Finance

    Is the interest rate fixed or variable?
    The rate is fixed at the time you apply, giving you the security of knowing your repayments will not change.

    Does the interest rate vary depending on my credit rating?
    No - unlike most banks and other lenders Honda Finance will not penalise you for a lower rating. However as a responsible lender credit acceptance is subject to status.

    Who can apply?
    We welcome applications from anyone aged between 18 and 65 who live in the UK.

    Are there lots of forms to fill in?
    Bristol Honda will fill out the necessary details. All we require is your signature and any proofs of identify requested at the time of application.

    What proof of income do I need to provide?
    Full time employees do not normally need to give any proof of income. However, different rules may apply if you are self employed.

    What is an Annual Percentage Rate (APR)
    An APR is a standard method of calculating the full cost of the interest and other charges on the finance. You should use the APR to compare the cost of different finance options, although Honda Contract Hire agreements will not show an APR as they are rental agreements.

    What is the Consumer Credit Act 1974
    The Consumer Credit Act was introduced by Parliament in 1974 and protects the rights of borrowers by regulating financial institutions and providers.
    Your agreement will be covered by the Act provided you're not a Limited Company.
    More information can be found at www.oft.gov.uk.

    Finance and Leasing Association (FLA)
    We are full members of the Finance and Leasing Association (FLA) and we follow the FLA's Lending Code. You can obtain a copy of the Code by writing to us or by calling the FLA on 020 7836 6511.

    Use of personal information
    We operate in accordance with the Data Protection Act 1998, details of which can be obtained from your local dealer. Further details can be found on the section of your agreement entitled 'Data Protection'

    What do I do if I have a question you have not answered?
    Contact one of our business managers who will be happy to help you, either Lewis Wade at Brislington or Jeff Caswell at Cribbs Causeway.


If you still require further information, then please contact us today.