Yes, you can apply for a personal car loan or business vehicle finance if you are purchasing the vehicle from a private seller. Finance is available for new and used vehicles purchased from a dealer, at auction or from a private seller. When buying a car privately, you may like to consider a pre-approved loan so you are ready to commit to the sale on first inspection and have greater bargaining power when negotiating price as the seller will know you can settle quickly. Private sales will presumably be for a second hand vehicle. The age and condition of a used car is taken into consideration by lenders when assessing loan applications.