Used Car & Finance Specialists in Colchester & Chelmsford, Essex

Are you looking for a used car in Essex? Clearwater Automotive in Witham are specialists in vehicle finance as well as having a great choice of fully checked, quality used cars for sale in the Colchester and Chelmsford area.

First and foremost, at our site in Witham, Essex, we have over 80 Used Cars, so feel free to come and have a wander around our friendly dealership. Alternatively look for the type of car you're interested in on our website before coming in to browse.

Whether you want a small used car first car, a used family car, a used prestige car, a used sports car, or a used 4x4 we've got a big enough selection for you. All of our Used Cars come with built-in peace of mind - six months' Platinum parts and labour RAC warranty, a year's MOT and RAC breakdown cover, HPI check and full valet and service - all included in the price.

Used car finance in Colchester & Chelmsford - Our speciality

There are a number of different finance options that will get the car of your dreams onto your driveway. We are experts in all the different methods and can explain them to you in clear terms, without jargon.

You have two main choices:

Hire Purchase (HP) - A straightforward loan secured on the car. The cost of borrowing varies depending on the size of the deposit and the time period you choose for paying back the loan.

Personal Contract Purchase (PCP) - A contract where you put a deposit down then pay a monthly amount for a number of years. At the end of that term, you either buy the car outright for a (pre-agreed) amount, give it back to the finance company or part-exchange the car, using its value as a deposit on your next car.

Pros and cons

In general terms, PCP's have lower monthly payments and HP has no lump sum to pay at the end. Which one you choose depends on your circumstances and long-term goals, we will happily take you through the pros and cons to make sure you make the choice for you. This is where Clearwater's expertise really comes in - the used car and finance specialists in Essex you can really trust.

We'll buy your car - Trade In Dealerships in Colchester and Chelmsford

In addition, regardless of the used car finance package you choose, you can use your car as a trade-in to reduce the size of your loan, effectively using your car as a deposit.

Or you can simply sell us your car outright and use the money for whatever you want, whether it's a new car something completely different.