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.

First and foremost, at our site we have over 80 vehicles, 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 first car, family car, prestige, sports, 4x4 or SUV we've got a big enough selection for you. 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 - 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

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.

Used cars and finance in Essex

As a family firm, we have a vested interest in making sure that you get great service, great finance and a great car. You can apply for used car finance directly on the website here or come in and talk to our friendly team - including Bentley the office dog!