YES. If you've found a car a few years old, you can usually finance it with PCP car finance. However, the APR is higher with used cars on a PCP than with a new car. Typically, the older the used car, the bigger the depreciation, meaning it's unlikely the dealer has much chance of getting worthwhile equity in the vehicle when returned. Therefore, the interest charged on the PCP is the best place dealers can make money from a PCP deal on a used car.