WOO CARZ Sales Services – Woocarz Car Sales & Finance


All of our vehicles are fully inspected, and we welcome independent inspections too. We have full-time buyers with over 20 years in the motor trade, that handpick and source a wide selection of quality used cars from our trusted suppliers. We are a family dealership, priding ourselves on our no-nonsense and direct approach, which ensures that buying a vehicle from us is an easy stress-free experience from start to finish. Please browse our website to see our selection of cars, and feel free to call us if you have any questions on +44 (0)2382 543 928


At WOO CARZ, we will get you the most competitive rates relative to your personal circumstances, from our large panel of specialist lenders. (Representative APR 4.9%)


This is the most common type of car finance and very simply means that you make monthly repayments and usually a small admin or purchase fee at the end. Your car loan is secured against the car, which is owned by the lender. Whilst you are paying, you effectively hire the car from the lender and once all payments have been made, the vehicle becomes yours.

Great for people: Who doesn’t want to or can’t pay cash Who’s budget and circumstances suit fixed monthly repayments Who want to own the car at the end Who’s disposable income might change (e.g. starting a family)


Personal Contract Purchase is similar to Hire Purchase, except that you have the option to buy the vehicle at the end of the loan or hand it back. If you decide to buy, you pay a balloon payment for the balance on the value of the vehicle. The value is fixed at the start of the agreement – the Guaranteed Future Value – so that you know and can budget for the balloon payment before you commit. Great for people: Who want lower monthly repayments Who want flexibility and options at the end of the agreement Who like to change their car regularly Who are confident that they can predict their mileage


A conditional sale is similar to Hire Purchase except that you don’t have to pay a fee at the end of the agreement. Just monthly repayments until the loan is complete. You have possession and use of the vehicle during this period, but it continues to belong to the lender until you have made the final repayment, upon which the vehicle belongs to you. Great for people: Who would rather pay a bit more, spread the fixed repayments, and avoid a large payment at the end Who want a choice of length of payment terms Representative Example *Rates from 4.9% The exact rate you will be offered will be based on your circumstances. Representative example: Borrowing £6,500 over 5 years with a representative APR of 9.9%, an annual interest rate of 5.1% (Fixed) and a deposit of £0.00, the amount payable would be £ 135.90 per month, with a total cost of credit of £1657.50 and a total amount payable of £ 8157.50 Rates may differ as they are dependent on individual circumstances and subject to status.

We can also help you to obtain a car loan if you’ve had credit issues or have been refused in the past. We do our best to help everyone, feel free to live chat with us about your current situation. All finance is subject to status, and please see our Privacy Policy


Take advantage of our buy-back Offer. We can easily establish the market value of your current car and give you a fair quote for your pride and joy. You can use our offer as a trade-in value on a new car, or you can take the cold hard cash. One of our staff will be available to give your vehicle a full appraisal. We will gladly spend the time to explain what we see and how it affects the value of your car when we do an Inspection at one of our showrooms. It could also be that we even offer you more than the market price, depending on your car and current market conditions. Even if you are still under finance we can buy your existing car, settle your old finance plan, and watch you drive away in a new car.


Is your car due for an MOT or service? Visit our showrooms at 18 Paynes Road, Shirley, Southampton, SO15 3DJ. Please feel free to chat with one of our advisers at WOO, you can call us on +44 (0)2382 543 928

Find Your Car

WOO CARZ Part Exchange
WOO CARZ Car Part Exchange
Compare List
Book A Callback
Woocarz Car Sales Facebook Chat