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Finance for used Dacias from verified UK dealers
Representative 19.8% APR. No impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score. ?We're partnered with Car Finance 24/7. As an Introducer Appointed Representative of Carfinance247 Limited (FCA FRN: 653019), we receive a commission if you purchase finance products through the link above. We do not provide advice or make recommendations.
*A soft search has no impact on your credit score. If you choose to proceed with a full application, a hard search will be carried out which may impact your credit score.
Dacia is the most affordable new car brand in the UK, and used examples take that affordability even further. A used Sandero or Spring could have some of the lowest monthly finance payments of any car on the market.
The monthly cost depends on the model, the amount you borrow, the term length, and the APR you are offered. Rates start from 9.9% APR. Representative 19.8% APR.
Dacia is a subsidiary of Renault and shares platforms, engines, and many components. This means parts tend to be widely available and servicing costs may be competitive. Dacia's philosophy is to strip out unnecessary extras and focus on what matters, which keeps costs down across the board.
Use the calculator further down this page to estimate monthly payments.
Wondering how much car finance you can get on your salary? Use our calculator to estimate monthly payments based on the car price, your credit grade and preferred term length.
Dacia is one of the most popular brands to finance in the UK. Whether you are looking at a used Sandero or a used Sandero Stepway, HP and PCP are both available via Brumble. Once approved, you can get your car from any verified UK dealer. Here are some of the most commonly financed Dacia models.
Dacia Sandero
One of the cheapest new cars in the UK, which means used examples could be among the most affordable cars to finance.
Dacia Duster
A budget SUV that offers a surprising amount of space and capability for the price. Popular on the used market.
Dacia Jogger
A seven-seat family car at a budget price. One of the most affordable ways to get seven seats on finance.
Dacia Sandero Stepway
A raised version of the Sandero with crossover styling. Slightly more rugged without a large price increase.
Dacia Spring
Dacia's fully electric city car. Could be one of the cheapest EVs to finance in the UK.
The amount you can finance depends on your individual circumstances. Subject to status and affordability.
With HP (Hire Purchase), you make fixed monthly payments and own the Dacia at the end of the agreement. No mileage limits apply. Given Dacia's affordable pricing, HP monthly payments could be among the lowest of any car on the market, and the total interest paid over the term very modest.
Find out more about HP car finance →
Dacia PCP gives you lower monthly payments than HP. At the end, you can hand the car back, pay the balloon to keep it, or use any equity towards your next car.
Dacia is still a relatively niche brand in the UK, so the used market is smaller than for mainstream brands. If your Dacia holds its value, there is potential to build equity, but the used market for Dacia is less established. Used car values are never guaranteed.
Dacia PCP is often available on models such as the Sandero, Duster, and Jogger, subject to status.
Find out more about PCP car finance →
With both HP and PCP, you have the right to end the agreement early through voluntary termination or early settlement.
Both HP and PCP may be available with no deposit on many Dacia models, subject to status and affordability.
Via Brumble, you can check what options you could be eligible for with a soft search. There is no impact on your credit score. If you then choose to proceed, a hard credit search will be carried out which may impact your credit score.
Leasing and finance are different. With a lease, you never own the car. With finance, you have the option to own it.
Dacia's entire brand proposition is about value and ownership. HP payments on a used Dacia could be lower than lease payments on most other brands. You own the car at the end, and given Dacia's low running costs, you could keep driving it for years with minimal ongoing expense.
Finance gives you the right to voluntary termination and early settlement. Leasing typically penalises early exit. And finance lets you use the car however you want without restrictions.
Yes. Both HP and PCP may be available on used and second hand Dacias from verified UK dealers. Via Brumble, you can finance a used Dacia from any verified dealer.
Most lenders allow the car to be up to around 14 to 16 years old at the end of the agreement, though this varies. Dacia has been growing rapidly in the UK, so the number of used examples available is increasing.
The Duster in particular is one of the most popular budget SUVs on the used market. Its combination of space, practicality, and low price makes it a common choice for finance.
Check the car's history with our MOT checker and tax checker. Our Dacia reliability report covers common issues by model.
Dacia models are among the cheapest cars in the UK, so borrowing amounts are very small. This could make the approval process more straightforward than for more expensive brands.
Dacia's affordability makes it a popular choice for students, first-time finance applicants, and drivers with bad credit. The smaller the amount you borrow, the more it may improve your chances of approval.
According to DVSA MOT data analysed by Brumble, Dacia has a national MOT pass rate of 70%, based on 0.19 million tests in the 2025 test year. The national average across all brands is 72.4%.
This places Dacia below the national average of 72.4%. This does not mean every used Dacia will have problems, but it may be worth paying particular attention to the car's service history and MOT record before committing to finance. A well-maintained example could still be a reliable choice.
The most common MOT advisory and failure items on Dacia vehicles include suspension components, brake wear, and tyre condition. Checking these areas before purchasing could help you avoid unexpected costs during your finance agreement.
Our free MOT checker lets you look up any vehicle's full MOT history by registration number. For a more detailed assessment, our Dacia reliability report breaks down pass rates by model, age, and mileage.
Source: Brumble analysis of DVSA anonymised MOT test results, 2025 test year. Published under Open Government Licence v3.0.
Dacia has occasionally run 0% finance promotions on selected new models. These promotions, sometimes described as zero interest or 0% APR, are not available all the time and not available on used cars.
Given Dacia's already-low pricing, the difference between 0% and a competitive APR may be smaller in absolute terms than for more expensive brands.
Brumble's partner offers used car finance. Rates start from 9.9% APR, subject to status.
Check your eligibility for both HP and PCP deals in minutes (Representative 19.8% APR) - with no impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score.
Check Your EligibilityThere are lots of ways to approach car finance, and the right option depends on your circumstances. Whether you have bad credit, need a no deposit option, or just want to understand PCP vs HP, we have a guide for you.
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Guide
Understand the key differences between PCP and HP finance, so you can pick the option that suits how you plan to use the car.
Guide
A plain-English overview of how car finance works in the UK, including deposit, APR, terms, and what happens at the end of the agreement.
Compare Dacia car insurance quotes from 130+ UK insurers.
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Common questions about Dacia car finance.
Dacia is the most affordable new car brand in the UK, and used examples are even cheaper. Monthly finance payments on a used Sandero or Duster could be among the lowest of any car. The exact cost depends on the model, age, term, and APR. Use the calculator to estimate. Representative 19.8% APR.
The Duster is one of the most popular budget SUVs in the UK. It offers more space and capability than you might expect for the price. Used examples are widely available. HP and PCP may both be available. Subject to status.
Dacia is a subsidiary of Renault and shares platforms, engines, and many components. The main difference is that Dacia strips out extras to keep prices as low as possible. Servicing and parts costs tend to be similar to Renault.
The Jogger is one of the most affordable seven-seat cars available. It is basic in specification but practical and spacious. Used examples could offer a very low-cost way to get seven seats on finance. Subject to status.
It may be possible. Dacia's very low pricing means very small borrowing amounts, which may improve your chances. A soft search lets you check with no risk. Subject to status.
Many finance options are available with no deposit, subject to status and affordability. Dacia's low pricing means monthly payments could be very low even without a deposit.
Yes. Request a settlement figure from your lender at any time. With HP, you also have the right to voluntary termination once you have paid at least half of the total amount payable.
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