BYD Car Finance

A BYD car first. Finance second. Fancy going electric with BYD? Tell us which BYD you want and we'll help with the finance. carloans 365 helps customers explore finance for new and used BYD cars from reputable dealerships across the UK. No jargon. No pressure.

BYD, short for Build Your Dreams, has gone from newcomer to one of the most talked-about names on UK roads in just a few years. Whether you've got your eye on a BYD Seal, a BYD Atto 3, a BYD Dolphin or one of the brand's plug-in hybrids, our straightforward online application can help you find out what car finance options may be available.

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Flexible BYD Car Finance

BYD is one of the world's biggest names in electric and plug-in hybrid cars, and its UK range now covers everything from compact city hatchbacks to family SUVs, saloons and estates.

At carloans 365, we help customers explore finance for BYD electric cars and BYD hybrid cars from reputable dealerships across the UK.

Depending on the vehicle, lender and your circumstances, options could include Hire Purchase (HP), Personal Contract Purchase (PCP) and used car finance.

Our panel includes lenders with different criteria, so we can look for a finance option that fits you. We look at the person and their story, not just their credit history.

Why Choose carloans 365 for BYD Car Finance?

Whether you want a compact BYD for the daily commute or a bigger family SUV, carloans 365 keeps the finance side simple.

Options can include:

• New BYD car finance
• Used BYD car finance
• BYD electric car finance
• BYD hybrid car finance
• HP car finance
• PCP car finance
• No deposit car finance options*
• Bad credit car finance
• Access to cars from reputable UK dealerships*

Finance is subject to status, affordability checks, vehicle eligibility and lender criteria.

Who Are BYD?

BYD stands for Build Your Dreams. The Chinese brand started out making batteries before moving into cars, and BYD Auto has since grown into one of the world's leading electric car companies, building both fully electric and plug-in hybrid models.

BYD launched in the UK in March 2023 with a single model, the Atto 3. Since then, the line-up has grown to around ten models, and the UK has become one of BYD's biggest markets outside China.

That quick growth also means the used market for BYD cars is starting to open up, giving drivers more choice at different price points.

Popular BYD Models

There's a growing list of BYD models to choose from, covering both BYD electric cars and BYD hybrid cars.

The right model comes down to things like your budget, how far you drive, where you'll charge and how much space you need.

BYD Dolphin

The BYD Dolphin is a compact electric hatchback that's a great fit for commuting, town driving and everyday trips. There's also the smaller BYD Dolphin Surf if you want something even more city-friendly.

If you're searching for BYD Dolphin finance, you can explore eligible new and used models from reputable UK dealerships once your finance is arranged.

BYD Atto 3

The BYD Atto 3 is the car that kicked off BYD's UK story. It's a compact electric SUV with a higher driving position and plenty of standard tech, and it's since been updated as the BYD Atto 3 Evo.

Because the Atto 3 has been on sale in the UK since 2023, it's also one of the easier BYD models to find on the used market. If you're considering BYD Atto 3 finance, you can explore eligible new and used examples.

BYD Atto 2

The BYD Atto 2 is a smaller SUV that sits below the Atto 3, available as an electric car and as a DM-i plug-in hybrid. It could suit you if you want SUV styling in a more compact size.

BYD Seal

The BYD Seal is an electric saloon with a sporty look and feel, and has become one of BYD's best-selling electric models in the UK.

The Seal name also covers a wider family. BYD Seals now include the Seal U DM-i plug-in hybrid SUV and the Seal 6 DM-i, a plug-in hybrid available as a saloon or a Touring estate.

If you're looking at BYD Seal finance, the right Seal for you will depend on whether you want fully electric or plug-in hybrid power, and how much space you need.

BYD Sealion

The Sealion models are BYD's larger SUVs. The Sealion 7 is a fully electric SUV-coupé, while the Sealion 5 DM-i is a plug-in hybrid.

If you need more room for family, luggage or longer journeys, a BYD Sealion on finance may be worth a look.

BYD Electric Cars vs BYD Hybrid Cars

BYD sells two main types of car in the UK:

• BYD electric cars run on battery power alone. They suit drivers who can charge at home or at work, and who want zero tailpipe emissions.
• BYD hybrid cars use BYD's DM-i plug-in hybrid technology, pairing a petrol engine with an electric motor and battery. You can do shorter trips on electric power and use the petrol engine for longer journeys.

Not sure which suits you? Think about your typical journeys, your access to charging and how often you travel long distances.

New and Used BYD Cars on Finance

Brand new isn't the only way to get into a BYD.

Used car finance opens up a wider choice of BYD cars across different ages, mileages, specs and price points.

Depending on dealer availability, this could include:

• Used BYD Atto 3
• Used BYD Dolphin
• Used BYD Seal
• Used BYD Seal U DM-i
• Used BYD Atto 2
• Used BYD Sealion 7

As BYD has only been on sale in the UK since 2023, most used examples will be relatively recent cars.

How Much Does a BYD Cost?

BYD prices vary depending on the model, battery size, powertrain and spec you choose.

As a rough guide, BYD's smaller electric models such as the Dolphin family sit towards the lower end of the range, while larger cars like the Seal and Sealion 7 cost more. For example, the Seal 6 DM-i plug-in hybrid has been reported from around £34,000 for the saloon.

BYD Auto prices can change with new model launches, updates and offers, so it's worth checking current prices with dealers. Used BYD prices will depend on the car's age, mileage, condition and spec.

When comparing BYD prices on finance, look beyond the monthly figure. The deposit, APR, agreement length and total amount repayable all matter.

How Does BYD Car Finance Work?

Simple. You can apply for BYD car finance with carloans 365 online, in a few straightforward steps.

1. Apply Online

Fill in our car finance application with a few basic details about your circumstances.

The initial eligibility check has no impact on your credit score. A lender will carry out a full credit search if you decide to proceed with an acceptance, before the finance agreement becomes active.

2. Explore Your Finance Options

We work with a limited panel of UK lenders and search for finance options based on your circumstances, affordability and lender criteria.

Depending on what's available, this could include BYD HP finance or BYD PCP finance.

3. Choose Your BYD

Now for the fun part. Once your finance is in place, you can search for an eligible BYD from a reputable UK dealership.*

That might be a used BYD Atto 3, a BYD Dolphin for town driving or a BYD Seal for longer trips.

4. Complete the Finance Agreement

Once the car and dealership have passed the required checks, the finance agreement can be finalised with the lender. Then it's time to get behind the wheel.

Can I Get BYD Finance With Bad Credit?

Bad credit? Good news. You can still apply.

Past credit problems don't automatically mean car finance is off the table.

At carloans 365, we work with lenders that consider customers with a range of credit profiles.

Applications are assessed on more than a single credit score, and can take into account your income, affordability, existing financial commitments and previous credit history.

Previous financial difficulties could include:

• Missed or late payments
• Defaults
• CCJs
• A low credit score
• A limited credit history

So BYD finance with bad credit may be possible depending on your circumstances.

Approval is not guaranteed and any finance offered must be affordable and suitable for your circumstances. Learn more about bad credit car finance.

Can I Get a BYD on Finance With No Deposit?

No savings set aside for a deposit? No deposit car finance options may be available to eligible applicants.

Instead of paying a cash deposit at the start, the full eligible vehicle cost is financed.

Just bear in mind that financing a larger amount may increase your monthly repayments and the total interest you pay. It's the overall cost that counts, not just day one.

Availability depends on you, the lender and the BYD you choose.

HP or PCP Finance for a BYD?

Both BYD HP finance and BYD PCP finance spread the cost of a car, but they work differently. Here's the plain-English version.

With HP car finance, your monthly repayments generally cover the car's value plus interest over the agreed term. Once all required payments and fees have been made, the car is yours.

With PCP car finance, monthly repayments are usually calculated differently, and there's normally an optional final payment if you want to keep the car at the end.

The right option depends on the finance products available, the car and your circumstances.

Which BYD Is Right for Me?

With a growing range of BYD models across electric and hybrid power, the right choice comes down to how you'll use the car.

Want something compact for town? The BYD Dolphin or Dolphin Surf is a strong shout. Fancy a small SUV? Look at the Atto 2 or Atto 3.

If you're after a sleek saloon, the BYD Seal is worth a look, while the Seal 6 Touring and Sealion models offer more room for families.

Before you choose, think about:

• Purchase price
• Estimated monthly finance payment
• Electric range and your typical journeys
• Home or workplace charging
• Electric or plug-in hybrid
• Insurance
• Servicing and maintenance
• Passenger and boot space
• Vehicle age and mileage, if buying used

Our car finance calculator can give you an idea of how different borrowing amounts and terms could affect your monthly repayments.

Get Started With BYD Car Finance

Found the BYD you want, or still weighing up models?

carloans 365 can help you explore your BYD finance options before you choose an eligible car from a reputable UK dealership.

Apply for BYD Car Finance

An initial application has no impact on your credit score. If you choose to proceed with an acceptance, the lender will carry out a full credit search before funds are released and the agreement becomes active.