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How Does a Monthly Car Subscription Work in the UK?

woman researching on laptop monthly car subscription in UK

Monthly car subscriptions are on the rise in the UK automotive industry. But what are they and how do they work? In this quick and easy guide, we’ll answer all of your burning questions.

What is a car subscription scheme?

The likelihood is that you already use a subscription-based service for your entertainment needs. Think Netflix, Prime or the latest UK addition, Britbox.

Monthly car subscription schemes in the UK are no different. You’ll pay a monthly fee for the car itself, as well as incidental costs like registration, maintenance, roadside assistance, and liability insurance. All you have to do is add fuel.

What this means is that you have a more flexible way of making use of a car. Much like a lease, you don’t own the vehicle, but will make a monthly payment. This flexibility means that you can usually stop and start the service whenever you like – some providers have a thirty-day initial period – and you can swap out different models as you please.

Inevitably, your contract length and type will vary depending on the provider. There are often new and used cars available, and the car’s age, value, and the length of your lease will determine your subscription fee.

How does car subscription work?

Different car subscription schemes will work in different ways, as you might imagine. Typically, however, you can take out a car subscription in the following steps:

1. Join up online

The car subscription industry is digitally led – it was designed to disrupt traditional car sales, after all. Many providers have apps that you can use to start the process, where you’ll need to upload your driving licence and specify the kind of vehicle you’re looking for. There’ll also be a credit check performed at this point.

2. Secure the service

Once checks have been performed and your application has been approved, you can pay a deposit and the first month’s payment. You’ll then also sign your electronic documents and decide whether or not you want to collect your car yourself or have it delivered. If you opt for delivery, it will usually be with you within 2 to 3 days of your initial enquiry.

3. Delivery or collection

Whether you choose to have the car delivered or collect it yourself, there’ll be someone to chat through the controls with you and check the model over. You’re then free to hit the road.

Who provides monthly car subscription in the UK?

There are a number of different car subscription providers in the UK. These include Wagonex, Cocoon Vehicles, Lease Plan, Elmo, Flexigo Cars, Flexed, Drive Car Flex, Cazoo, and Onto. There are also branded services offered by Audi, BMW, Citroen, DW, Jaguar, Land Rover, Mini, Volkswagen, and Volvo.

As this industry is digitally savvy and disruptive, there are increasing numbers of emerging companies looking to stake their claim. As such, it’s important to invest your time in researching each one, in order to establish which best meets your particular requirements and needs.

Car subscriptions: the advantages and disadvantages

Whether or not you deem a car subscription scheme to be worth it depends on your unique circumstances, and whether you can find a provider that matches those.

There are certainly advantages to these schemes. They’re easy to apply for – typically the process is exclusively online – and are very flexible. Users avoid long-term contracts and can often swap models around to try different vehicles as they want. Subscriptions can typically be cancelled with ease too, and are convenient, as consumers have all of the faff of car ownership managed by the service provider. It also means they don’t have to have the capital to pay upfront costs for a vehicle.

However, car subscriptions also have disadvantages. The provider will conduct a credit search, for example, which may result in your application being rejected if your score isn’t great. At My Car Credit, we only perform a soft credit check for our car finance initially, and it won’t impact your score.

Similarly, subscription schemes are expensive. Because you’re paying for the convenience, they’re pricey, and they can be limiting with mileage caps or age restrictions. Insurance can also become complicated – some providers will cover it but won’t necessarily allow you to take the vehicle abroad or allow another driver under the premium. Constantly swapping cars in and out can result in personal hassle and be a pain if you’re reliant on filing paperwork for parking permits.

Monthly car subscription vs UK finance

Car subscription schemes aren’t for everyone. Ultimately, it comes down to what works best for you. If you decide on the latter – namely, finance – My Car Credit is on hand to help you find a great deal, whatever your credit score.

Call our team today on 01246 458 810 or email enquiries@mycarcredit.co.uk.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

car subscription monthly payments

What are the Benefits of a 4-Wheel Drive?

Isuzu demonstrating the benefits of 4 wheel drive

Brits love to get behind the wheels of 4-wheel drives, with models like the Kia Sportage and Nissan Qashqai some of the best-selling cars in the UK. These tough and capable vehicles offer a huge range of benefits, from extra boot space to increased traction in dangerous driving conditions.

Thinking about making the upgrade to a 4WD? Read on as we spotlight the main benefits of 4-wheel drive cars and how they can drastically improve your on-road experience.

Gear up for off-road adventures

4-wheel drives take you beyond the city and unlock access to off-road tracks and trails. As well as improved grip and traction that helps you plough through challenging terrain, four-wheel drives can still power ahead when only one wheel is touching the ground. This is a huge benefit when you’re attempting to navigate rugged terrain that leaves one or more wheels off the ground.

If you’re looking for the ultimate adventure-ready vehicle, there’s no looking past a 4WD. The Land Rover Defender is a classic choice, with an iconic boxy design and serious off-road capabilities. Tough and capable, it will have you powering through soft sand, splattering through mud and splashing through river crossings with ease. Of course, if you plan to take your 4WD off-road it’s important to have the skills and knowledge you need to stay safe while you explore. Signing up for a basic 4WD course is a great way to gain confidence behind the wheel and learn how to safely navigate tough terrain.

Extra space and capacity

One of the biggest benefits of a 4-wheel drive is increased space and capacity. Models are generally larger and more spacious than regular 2WD cars, with many offering extra seats in the back to increase capacity to seven people. You’ll also enjoy more leg room and head space than smaller models, giving them an inherently luxurious feel. 4WD boots are practically cavernous, with models like the Range Rover Evoque offering a huge 591-litre capacity, increasing to 1383 litres with the rear seats down. If you want the flexibility to move furniture, throw the bikes in the back or load up the car with camping gear, there’s really no substitute for a 4WD.

Low fuel consumption

While 4-wheel drives tend to harbour a reputation as gas guzzlers, newer models are surprisingly efficient. In fact, thanks to new engine technologies many new 4WD models offer better fuel efficiency than older 2WD models.

Upgrade to a plug-in hybrid (PHEV) and you’ll unlock a whole new level of efficiency. The Mitsubishi Outlander is one of the best-selling PHEVs in the UK and boasts fuel economy of 139.7mpg, CO2 emissions of just 64g/m and an irresistible price tag. The Volvo XC60 T8 is another excellent choice, with great eco credentials and a more luxurious build.

All-terrain flexibility

Four-wheel drives aren’t just for off-road use, with many models designed with urban driving in mind. Sure, some people love the power and grit of models like the Mercedes-Benz GLS but you’ll also see some excellent compact choices on the market that offer all the benefits of a 4-wheel drive without the bulk.

For example, cleverly designed models like the MINI Countryman combine compact urban-friendly styling with 4WD grunt. High suspension and an optional four-wheel drive system mean this model is just as comfortable on the motorway as it is off-road.

The grippy all-wheel drive system of the Fiat Panda transitions from the city to the countryside with ease, with models like the Mazda CX-30, Suzuki Ignis and Jeep Renegade offering similar compact 4WD appeal. Depending on the model and manufacturer, there may also be the option of switching between 2WD and 4WD. This ‘on demand’ system allows you to customise your ride depending on the terrain and driving conditions.

Improved traction in tough conditions

Generating power from all four wheels improves traction and control in challenging driving conditions like snow and ice. This makes 4WDs a popular safety upgrade for families with young kids. If you live in an area with lots of winter snowfall or often find yourself navigating icy roads, four-wheel drives can be a great way to stay safe year-round. 4-wheel drives are generally heavier than their 2WD counterparts which translates to better grip on the road in wet or icy conditions.

Elevated driving position

4WD vehicles are taller than their 2WD counterparts which means you’ll enjoy an elevated driving position. This improves visibility on the road and can help make you feel safer and more comfortable behind the wheel.

Towing power

As well as featuring larger builds, 4-wheel drives generate power from every wheel which significantly increases towing capacity. If you’re looking for a vehicle that’s powerful enough to tow a trailer or caravan, a 4WD is a natural choice. Models like the Land Rover Defender, Mitsubishi Shogun and Jeep Grand Cherokee offer some of the most impressive towing capacity credentials on the market and can easily tow caravans weighing more than 3500kg.

Try the benefits of 4-wheel drive for yourself

Ready to make the upgrade to a 4WD? At My Car Credit we specialise in securing finance for applicants of every calibre. Whether your credit rating is excellent, lacklustre, or somewhere in between, we have the knowledge and expertise to secure you the best car finance deals in the UK.

With access to one of Britain’s biggest lending panels, we have the flexibility to match you with the best loan for your unique needs. So, whether you’re looking for a top-of-the-range model or a budget-friendly option, let us help you upgrade to a 4WD.

Use our car finance checker or get in touch today to find out more and start enjoying the benefits of a 4 wheel drive.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

What is heycar – And Should I Use Them?

What is the Safest Car for a Teenager?

What is the release date of the Volkswagen ID 2?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

Should I Buy a Second Hand Diesel Car?

With the British government pledging to ban sales of new petrol and diesel cars by 2030, many motorists are questioning if it’s worth purchasing a fossil fuel powered vehicle. The short answer is yes, for many motorists purchasing a second-hand diesel car is a smart and eco-friendly choice. While diesel engines do harbour a dirty reputation, in reality they’re often cleaner and more affordable than petrol. Of course, credentials depend on variables like the year, make and model of the car and how you plan to use it.

Should I buy a second-hand diesel car? If you’re weighing up your options, this article is for you. Read on as we navigate the pros and cons of buying a second-hand diesel car and take a look at some key factors to consider.

Emissions and environmental footprint

Emissions are one of the biggest factors to consider when shopping for second-hand diesel cars. While models manufactured in the early 2000s or before will generally offer disappointing emissions, purchasing a second-hand diesel car that’s only a few years old leaves a much lighter environmental footprint.

In 2017, the European Union introduced strict new Euro 6d-TEMP emissions testing mandating that diesel engines be fitted with Selective Catalytic Reduction (SCR) systems to break down NOx. So, if you purchase a diesel car manufactured after 2017 it will run much cleaner than a pre-2017 model.

According to the RAC, the average diesel car manufactured in 2020 has average emissions of 165.5g CO2/km. While this isn’t a gold-standard level it’s nowhere near as high as the emissions you’ll release by driving an older diesel car. In comparison, new petrol cars emit an average of 149.0g CO2/km, while new hybrid electric (HEV) cars emit 125.6 g CO2/km and Plug-In Hybrid Electric (PHEV) emit just 43.4g CO2/km.

BMW manufactures some of the cleanest diesel cars on the market, with the 3 Series one of the most popular models. MINI is another great option, with low NOx emissions and excellent fuel efficiency. Toyota, a long-standing eco innovator, also manufactures some great low emission diesel cars loved by eco-conscious drivers across the UK. The diesel-powered Ford Fiesta is another top contender, with the 2021 model clocking in CO2 emissions of just 82g/km. If you can get your hands on a used 2021 model you won’t have to compromise on emissions at all. In fact, you’ll be driving one of the most eco-friendly cars on the road.

Should I buy a second-hand diesel car if I want to reduce my emissions? The short answer is yes, so long as you carefully consider emissions and choose the newest model you can afford.

Fuel efficiency

Diesel offers more energy per litre than traditional petrol, meaning diesel-powered cars tend to offer excellent fuel economy. As a general rule, diesel cars use between 15 and 20% less fuel than petrol-powered vehicles. For example, the 2020 Kia Ceed 1.6 CRDi boasts fuel economy of 72.4mpg, making it one of the most efficient diesel cars on the market. This doesn’t translate to higher emissions, with the model clocking just 102g CO2/km. The Citroen C4 Cactus 1.6 offers similar fuel economy of 70.6mpg, while the Vauxhall Corsa 1.3 CDTI increases slightly to 78.5mpg. On long journeys where speed is kept high and constant, fuel economy increases to 88mpg.

Petrol prices

Price differences between petrol and diesel may be a factor for some people when purchasing a second-hand car. Diesel tends to be slightly more expensive than petrol, though only by a few pence. That said, while you’ll likely pay more to fill up your diesel tank, the fuel economy savings cancel out the extra cost at the forecourt and make diesel cars cheaper in the long run. For example, driving a diesel-powered BMW 1 Series 116d SE for 10,000 miles might cost around £830. The same model featuring a petrol engine would cost around £1,120, making diesel cheaper overall.

Road tax

Road tax can add a significant amount to the cost of owning a car, so it’s worth factoring in when shopping for diesel-powered vehicles. Rates are calculated using CO2 emissions and the age of your car. If your diesel car was registered after April 2017 when the EU introduced Euro 6d-TEMP emissions testing, tax will likely be cheaper.

Torque and power

Diesel engines tend to offer more torque than petrol-powered counterparts, making them a great option for towing caravans and trailers. This makes second-hand diesel cars a popular choice with motorists looking for towing power. Diesel engines also offer faster acceleration which can make overtaking slightly easier.

Making your choice

Should I buy a second-hand diesel car? Ultimately, the choice is yours. Whether you choose to purchase a second-hand diesel vehicle, opt for a traditional petrol-powered car or upgrade to an EV or hybrid will depend on your own unique preferences and priorities.

Before making a decision it’s important to do your research and track down a model that works for you. Do you prioritise low emissions over power and torque? Maybe you want to drive the most fuel-efficient car possible or slash your road tax rates? Taking the time to research second-hand diesel car options is the best way to ensure you make the right decision.

When you’ve settled on a model, you can search on our own used car stock list to see what’s available or choose from any reputable dealer. My Car Credit is here to help you secure the best car finance deals in the UK. With access to one of the country’s largest lending panels, we have the experience and expertise to track down tailored car finance rates, coupled with help and support every step of the way. Using our car loan APR estimator, you can find out how much you can borrow and what it will cost in a matter of minutes. Get in touch today to find out more and get behind the wheel of your dream second-hand diesel car.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

What is heycar – And Should I Use Them?

What is the Safest Car for a Teenager?

What is the release date of the Volkswagen ID 2?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

diesel diesel ban used car buying

Best Used Car Websites – Our Top 5

Person browsing the internet for the best used car websites

In many ways, finding and buying a used car has never been simpler thanks to the internet. Gone are the days when you came across second-hand vehicles with For Sale signs by the side of the road. Today, you pop online and search for them via the web and get access to thousands of results in a matter of seconds.

However, this is part of the problem. How do you know which website to trust and which to avoid? It’s an age-old question, but thankfully, My Car Credit has the answers. All you need to do is use our top five recommendations for the best used car websites, all of which you can find below.

1. Cazoo

Cazoo is a specialist in all things used car-related. Its unique selling point is that it offers its customers the entire package, from the motor itself to finance, delivery services and part exchanges. That means Cazoo is your one-stop-shop for all your vehicle requirements if you can’t afford to waste time and mess around with quotes from different providers.

There are 250 makes and models to choose from, so a lack of options is never an issue. Plus, reliability is a strong point because Cazoo owns all of its cars, which means it can give them a rigorous check before selling. Something interesting to watch out for is the subscription model of motoring, a market Cazoo welcomes with open arms.

2. Cinch

Cinch is another new motoring company that is performing well within a saturated market, hence it making our list of best used car websites. Part of the reason for this is that Cinch sticks to the basics, which is something customers love because it removes any confusion. You can expect any vehicle you look at to be no older than seven years old, travelled fewer than 70,000 miles, and pass a 225-point quality check.

Probably the biggest selling point for Cinch is its 14-day money-back guarantee that allows you to return your purchase for any reason within the deadline. Finance is available too, such as HP and PCP, as is a part-exchange. However, the latter is only for people who have bought an online model.

3. AA Cars

When you see AA, you know you can trust the brand. AA Cars is no different as the operator is one of the biggest classified platforms in the UK. This is down to the strict criteria that sellers must meet if they are allowed to advertise on the website. But this doesn’t put many individuals or companies off. Far from it. Typically, there are over 150,000 adverts from franchised and independent dealers, meaning you get an incredible combination of variety and peace of mind.

While AA Cars isn’t a vehicle seller, it does supplement its listings with accessories drivers need, such as breakdown cover and a vehicle history check. Most cars come with a 128-point check and an extensive report.

4. CarShop

CarShop has been one of the UK’s leading car supermarkets since 1997, making it the most established on our list of best used car websites. And, because it’s been servicing the industry for decades, it understands what features to focus on. For example, there is a 14-day money-back guarantee, similar to Cinch’s. It is worth pointing out that this is double Cazoo’s.

Next, there is a 586-point inspection, which is a couple of hundred points greater than its rivals. Of course, PCP and HP finance packages are also provided.

The best feature is the £99 refundable deposit you can put down to reserve a car. Whether you end up buying it or not, the reserve means you have the flexibility to shop around without missing out on suitable deals. No other used car website has this bonus, which is why it’s so impressive.

5. My Car Credit

We’d be silly if we didn’t include ourselves on a list of best used car websites! The reason being, as well as comparing finance deals across a large panel of lenders, My Car Credit wants to make it easier to ensure your next car is the right car. Using our My Car Search, you can find a quality used car in the same place you complete a car finance soft credit check.

All dealers are regularly vetted for financial stability and customer service in line with the Financial Conduct Authority. It’s simply a case of finding your favourite make and model from a wide selection of cars.

To find out more about My Car Credit and how we can help you, simply call us on 01246 458 810 or email enquiries@mycarcredit.co.uk.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

What is heycar – And Should I Use Them?

What is the Safest Car for a Teenager?

What is the release date of the Volkswagen ID 2?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

car buying online online car buying used car buying used cars

Can I Buy a Car at Auction with Finance?

cars available to buy at auction on finance

Buying a car at auction can be a stressful experience if you don’t know what you’re doing. You need to be able to handle what can be a fast-paced experience. Furthermore, you’ll need to know enough about cars to ensure that the vehicle you’re looking at is worth bidding on.

The good news is that you can buy a car at auction and still get car finance. Below, we describe what to expect if you’re looking to purchase a car at auction. In addition, we explain how you can secure car finance to get the vehicle you want within your budget.

How to buy a car at auction

It’s not uncommon for dealerships, private sellers, or online traders to secure the used or nearly new cars at auctions. This allows them to then sell them on at a premium. By securing your own car at an auction, you’re bypassing this middle-man – and any additional costs they add on.

However, it’s best to head to an auction with some knowledge of cars. Examine the bodywork of each model you’ve got your eye on, as you won’t be able to test drive them. Read the descriptions of the cars that auctioneers provide, so that you know if there are any hidden terms or disclaimers in the paperwork.

Do a bit of research on the price and type of vehicle you’ve got your eye on, and set yourself a budget. Bidding will typically start low, but can increase rapidly, so you need to know where you stand before entering into a war. That way, you don’t end up splurging on a vehicle you can’t afford or purchasing a model that you ultimately find out is substandard.

Car finance for cars bought at auction

If you’re thinking about purchasing your next vehicle at auction, it’s best to get an idea of your budget before heading to the actual event. Use a car finance calculator to find out how much you can borrow. That way, you’ll know the budget you’re working with from the outset. This will ensure you stick within this range when you’re eyeing up a car.

At My Car Credit, we provide car finance for cars bought at auction in the same way that we would for cars found through alternative means. We just need the invoice from the auction – this is what the lender will then pay. As with non-auction car finance, the lender will then own the car until the pre-agreed amount is paid off by you through monthly instalments.

We’ll conduct the standard checks when you first apply, performing a soft credit search and asking for some personal information – but don’t worry, our soft search won’t impact your credit score. You’ll then be able to experience the same advantages of car finance as ever. What’s more, you’ll enjoy full use of your new car whilst making a series of affordable monthly repayments at an agreed-upon rate.

Contact My Car Credit today

If you’re asking, ‘can I buy a car at auction?’ The answer is yes! To find out more about buying a car at an auction with car finance, speak to one of our friendly car credit specialists today by calling 01246 458 810 or emailing enquiries@mycarcredit.co.uk.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

What is heycar – And Should I Use Them?

What is the Safest Car for a Teenager?

What is the release date of the Volkswagen ID 2?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

auction car buying

How Do Self Driving Cars Work?

Driverless cars have not yet arrived on Britain’s roads, but self-driving cars will be allowed to travel on motorways later this year. Hailed as the transport of the future, self-driving cars seem to be the next hot topic in the world of motoring. But how do self-driving cars work? We answer this question and more, below.

Self-driving vs. automated cars – what’s the difference?

Fundamentally, the clue is in the name. Self-driving cars can drive themselves in certain situations, but there must be a driver in place – with seatbelt drawn – in order to take charge should emergency situations be detected by the vehicle.

Automated or autonomous cars, by contrast, are driverless. These cars are one step further, in that they operate individually, and have been positioned as ‘self-aware’. There are six levels of automation that distinguish between a vehicle driven entirely by a human to an entirely autonomous vehicle.

The technology of driverless cars

The specific technology of each vehicle will vary depending on the manufacturer. Broadly, however, driverless cars – that is, automated cars – will have the following features:

LiDAR sensors – These are light detection and ranging systems. They beam laser light in order to map the car’s surroundings, thereby detecting the edges of roads and lane markings.
Radar sensors – These observe nearby vehicles and their speed, in order to avoid collisions.
Video camera technology – Similarly, this tracks obstacles and pedestrians, working with the radar sensor to mitigate collisions and taking stock of road signs and traffic lights.
Ultrasonic sensors – These detect curb edges and other vehicles – they’re fundamental for parking and manoeuvring.
Central computer system – Driving all of the above is a central system which combines data from each technology. This therefore manages braking, steering, and acceleration.

Self-driving cars – the advantages

The advantages and disadvantages of self-driving vehicles are still under contention, but their benefits are typically agreed as the following:

Greener – Proponents of self-driving cars say they’re more environmentally friendly, as they work to streamline traffic flow by optimising road space and will therefore consume less fuel.
Safer – With less traffic and a smoother throughflow of cars, it’s anticipated that self-driving cars will make streets safer by reducing risk of accidents and human error.
More accessible – Self-driving cars inevitably make transport more accessible for individuals with disabilities – or those who never learned to drive in the case of automated vehicles. It’s therefore suggested that they’re a more inclusive mode of travel.

Self-driving cars – the disadvantages

As the technology for fully driverless cars still has a long way to go, there are many disadvantages to self-driving cars.

Safety – Proponents of self-driving cars say they’ll make streets safer – but the industry is, as yet, unregulated. There are serious concerns about the risks of vehicle computers and systems becoming vulnerable to hacking. Computers may also experience wear and tear – and any software error could lead to accidents with pedestrians and other vehicles.
The environment – Self-driving cars will require a vast amount of infrastructure to be built across Britain’s roads. Their technology will also operate via 5G, which will sap significant energy resources – most of which are fossil fuelled. Self-driving cars are therefore not climate conscious modes of transport just yet.

What are the rules for self-driving cars on motorways?

As described above, the British government are permitting self-driving vehicles with an automated land-keeping system (ALKS) to travel on motorways from sometime in late 2021. These self-driving vehicles will only be permitted at speeds up to 37mph in slow traffic.

Critically, these self-driving cars are not driverless – you still need someone behind the wheel wearing a fastened seatbelt. The driver must be able to take control of the car in the ten seconds after the vehicle detects an ‘imminent collision risk’. If such a risk is detected, the car will deploy an ‘emergency manoeuvre’ in order to either brake or evade the obstacle. Should the driver fail to respond, the car will automatically switch on its hazard lights, slow down, and turn off the infotainment system.

Upgrading your car

As yet, owning a self-driving car might be a pipedream. But you can still keep your car up to date with all the latest technology to make your life easier, from parking cameras to keyless entry.

That’s where My Car Credit comes in. With a large network of trusted lenders, we can help you find a great deal on car finance to spread the cost of your next ride, working with almost any credit score to finance a car.

Speak to one of our friendly team today on 01246 458 810.

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Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

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What is the Best Used Car for Towing a Caravan?

Caravan at night that was towed by the best used car for towing a caravan

Staycations are becoming increasingly popular at the moment – and what better British holiday is there than the classic caravanning trip? The best news is that you don’t even need a brand-new vehicle in order to do it – there are plenty of used cars that are excellent at towing a caravan.

What’s more, if you live in an urban area and are thinking you don’t have enough parking space for both a caravan and an SUV, you don’t need to worry. Many city cars will do the job nicely – and they’re not as gas guzzling as the 4x4s.

Below, we list eight of our favourite used cars for towing a caravan.

Land Rover Discovery

The Land Rover Discovery is a consistently popular choice for towing cars. The Discovery 4, in particular, is exceptionally stable, so aggressive cross winds or off-road conditions won’t cause any drama. The Discovery has a high kerb weight and powerful engines, making them great for towing. Furthermore, they can tackle all and any road surface – they overtake well, too.

If you find a model with the Terrain Response system, even better. This is because it modifies the car’s driving characteristics to suit the conditions facing you. What’s more, the car is supremely comfortable and can fit a large family with ease – and your luggage. It’s easy to see why this car has multiple tow awards to its name, including the 2016 Caravan Club Tow Car of the Year Award.

Volvo XC90

You’ll generally find a used Volvo XC90 for a reasonable price and will be well rewarded with an excellent tow car. This practical vehicle has a high kerb weight combined with fantastic suspension and a powerful engine. The result is a stable and secure vehicle for towing a caravan. It may be slightly less fuel efficient on longer journeys. However, the inner cabin is comfortable and provides plenty of space for families to stretch legs on longer journeys.

Dacia Duster

If you’re after an affordable used car that will nonetheless tow your caravan without any problems, the Dacia tops the list. Stable and secure, it’s a steady performer and extremely reliable. It tackles hills well, and the brakes do their job. Admittedly the interior is not the most glamorous. None-the-less, for a car at such a budget price, it’s difficult not to be impressed with the Duster.

Skoda Octavia

With a great kerb weight and an engine with plenty of torque, the Octavia stands up to pulling even the heaviest caravan. Even better, it will handle hill starts respectably. It’s also stable at speed – particularly given its light weight – and handles changing lanes well. The boot has enough room for lots of luggage, running costs are low, and you’ll find a model on the market at very affordable prices.

Ford Mondeo

An impressive family car, the Mondeo is nippy enough to work in urban areas, squeezing into tight parking spots. That said, it also tows a caravan, so is the best of both worlds. In addition, it’ll do it whilst keeping passengers comfortable. The engine is smooth and efficient but still powerful, handling better than most family cars. You’ll get stability even at high speed and can opt for a used model with the Titanium trim. Benefits include sat-nav, front and rear parking sensors, automatic headlights, and lane-keeping assistance.

Kia Sorento

For a car that won’t break the budget, you’re still getting a sharp-looking car with excellent towing capacity. The steering is great and the all-wheel drive copes well with variable weather conditions. Let’s admit, this is always a bonus when you’re heading on a caravanning holiday! The car is stable at speed and the engine has plenty of pulling power. Plus, the cabin is spacious and can seat seven people, and the car is fantastic over long-distances. It gets our thumbs up.

Vauxhall Insignia

A good-looking car that offers plentiful interior space and a comfortable ride? Sounds good – and the Insignia delivers. Capable and stable, it has a high kerb weight and torquey diesel engine. The biggest thing to write home about for the Insignia is its affordability – it’s hugely affordable and offers enough legroom for the wriggliest passenger.

Volkswagen Touareg

Add this SUV to your list of the best used cars for towing a caravan. It’ll stand up well to the likes of the Land Rover Discovery and the Volvo XC90. Even better, it will do so at a more affordable price point. It makes towing a breeze thanks to the four-wheel drive and high-power engine, and the gearbox makes hill starts seem almost effortless. As with most SUVs, there’s also plenty of space for passengers and their luggage.

BMW 5 Series

The 5 Series is another award winner of this list – in 2018 it won Tow Car of the Year Awards, so you can rest easy knowing it’s a great choice. You should find used models at excellent prices, too, which is always a bonus. Very stable, the 5 Series has a fuel-efficient diesel engine that will get you where you need to go without costing the earth. Furthermore, it manoeuvres extremely well. In fact, the 529d model saw off rivals in the 2018 competition with ease, proving ‘unshakeable at speed’ with no issues changing lanes and in fierce crosswinds.

On top of all that, the 5 Series will hold its speed on hills, and the gear changes are exceptionally smooth. Look out for the xDrive four-wheel model if you’re keen on holidaying all-year-round. This is because it offers improved traction and road holding – even in the muddiest of conditions. The car is also very comfortable to ride in and offers plenty of space with a great boot.

Financing your used car for towing a caravan

So, now you know which are the best used cars for towing a caravan. However, even when you’re opting for a used vehicle, buying a car to tow a caravan can be a hefty purchase. My Car Credit can help you spread the cost, comparing deals from our broad panel of trusted lenders to find you a great price for your car finance. Use our car finance calculator to get a better idea of the costs then get a no-obligation quote in minutes.

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X monthly repayments of
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Typical rate

Loan amount

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Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

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*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

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Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

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Do Car Prices Drop When a New Reg Comes Out?

If you’re in the market and searching for a new motor, the chances are that you want to keep the price down. It’s not uncommon when the cheapest of vehicles can set you back thousands of pounds. That’s why finance deals have become more popular in recent years – they provide an affordable way to obtain a quality car.

Still, it never hurts to lower the price even more. Then, your monthly payments will be smaller, and you’ll spend less on a valuable vehicle. Is waiting until the new registration plates come out in spring and autumn a savvy strategy? It can be if you know what to look for when browsing dealerships.

When are new licence plates released?

In the past, registration numbers only changed once a year. However, everything changed in 1999 when the government attempted to even out the number of licence plate releases throughout the year. From that point, regs were brought out twice annually, once in March and once in September. To be specific, the dates are March 1st and September 1st.

Do car prices drop when a new reg comes out?

There isn’t a one-size-fits-all policy across the board. You’ll be glad to hear that new reg plates will reduce the price of a vehicle, and therefore your premiums, in some instances.

However, this isn’t the case if you’re after a brand-new motor. If you want the latest make and model with a shiny licence plate, the latest number (21 and 71 for 2021, 22 and 72 for 2022, and so on) will cost you more because it makes the car more valuable. Where price drops come into play are on the used car market.

Do used car prices drop when a new reg comes out?

Typically, the answer is yes. The reason is that dealers experience lots of traffic around early March and September, and most buyers are on the lookout for a brand spanking new vehicle. To make room for them, they need to balance the books by selling the less popular stock.

This includes used and second-hand models that other interested parties, such as yourself, are happy to snap up if the price is right. The same applies to part-exchanges because they make up around 90% of all car sales.

Here’s how to make the most out of that information….

Searching for used cars

Now that you understand how dealers work, you can target the vehicles that you know command a cheaper asking price. Essentially, you’re searching for anything older than the latest release. After all, your loan won’t be as big if the going rate is lower.

Using PCP

On the other hand, if you’re buying a newer car and don’t want the new reg released to affect its value, PCP could be the best option. Short for personal contract purchase, PCP is a type of finance deal that involves paying monthly instalments for the length of the contract.

When the deal is over, you can return it, find another agreement, or purchase the vehicle outright. By opting for PCP, you don’t need to worry as much about the depreciation rate involved with old reg plates. All you need to do is check your car finance eligibility and return the motor before the deadline.

Finding the best finance deals

Whether you’re looking to buy a nearly new car at the best price or make a brand-new registration more affordable, My Car Credit is on hand to help. We use a large network of trusted lenders to find the best deal for you, whatever your credit rating.

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Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

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Can I Buy a Car with No Deposit?

man driving a car he has bought on finance with no deposit on

We all know that cars can be expensive. Aside from a house, it is probably the biggest purchase you’ll make in your life, especially if you buy a new motor. And while the vast majority of people opt for second-hand vehicles – 6,752,959 were sold in 2020 – it still means splashing out a significant chunk of change.

One way to make the costs lower is to put down a large deposit, even if you opt for car financing to make the monthly premiums more affordable. The truth is, though, that you don’t need a deposit to become the proud new owner of a car.

The main two types of car financing

By now, most people are familiar with the broad concept of car financing. After all, the vast majority of vehicle sales are leveraged with the help of hire purchase (HP) or personal contract purchase (PCP) deals.

Although the two forms of financing are similar, they do have their differences – and it’s essential to understand them before proceeding. For instance, HP is where you pay back the loan and own the vehicle at the end of the contract. PCP, on the other hand, involves having to return the car, finding a new PCP deal, or purchasing the car outright.

Both typically involve deposits, however, so how do you buy your dream motor if you don’t have a couple of grand lying around?

No deposit car finance

Even with the affordability of car finance, the deposit alone can price out many buyers. The good news is you can drive away without having to save up to 10% of the total amount. For people with small budgets, it’s an ideal compromise.

However, it’s worth pointing out the caveats that exist. Firstly, the monthly repayments are greater as there isn’t a deposit to reduce your premiums. That means you’ll pay more in the long term due to the interest rate. Still, it may be better for you to do this than wait for years to accumulate a deposit. Even then, the monthly fee may not be that much cheaper.

Fortunately, there are now plenty of car finance deals available – both HP and PCP – where a deposit is not necessary. Just bear in mind, with a PCP, a balloon payment will be needed to pay for the car outright. But, if you’re prepared, you can try and save up over the contract period while driving around in a fantastic vehicle.

How do you qualify?

Is it hard to get accepted for car finance? Well, not everyone is eligible to buy a car with no deposit as providers take certain features into consideration. Thankfully, My Car Credit has several tools you can use that highlight your probability of being accepted.

To learn about them, and to find answers to more of your questions, please contact us right away. We want to hear from you!

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X monthly repayments of
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Typical rate

Loan amount

Total payable

X% APR*

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Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

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Towing Green: 6 of the Best Electric Cars for Towing a Caravan

colourful caravan that was towed using an electric car

Ready to glide through the countryside with a near-silent vehicle that is more environmentally sound? We thought so. Electric cars are a regular sight on our roads. Moreover, many models are up to the task of towing caravans. However, only a handful are legally able to do so, so be sure you purchase one that sits within the law!

The reason why is their weight – electric cars are heavier. Furthermore, adding a caravan or trailer only adds to this, which can put brakes under strain. Be aware, too, that electric cars already have less range than those fuelled by petrol or diesel – and towing a caravan will only shorten this.

That said, there are still some strong contenders for the best electric cars for towing a caravan. Take a look at our list of six top contenders.

The best electric cars for towing a caravan

Tesla Model 3

The Tesla Model 3 is rated for towing, but be aware that it’s limited to 1,000kg. In addition, you do have to pay an extra £1,000 to be able to tow with it. You also have to request a towbar be added to the model when you first purchase it – you can’t do this retrospectively. Essentially, then, you’re less likely to find a Model 3 on the used market that’s been fitted to tow. As such, it’s best to double check before you buy. Also, while 1,000kg may sound like a lot, it’s on the lower side, covering smaller caravans and trailers.

The Long Range AWD is likely best for towing, as it’s got a 360-mile range per charge rate. It’ll get you around 253 miles on a single charge, and offers all-wheel drive. As with all Teslas, you also get access to the Supercharger network, which offers rapid charging and is available nationwide. The vehicle’s handling is excellent, and the performance is great, too, so the Model 3 still makes our list.

Polestar 2

Opt for either the entry-level single motor model or the four-wheel drive flagship – either will haul up to 1,500kg. Like the Tesla Model 3, you’ll be paying around £1,000 for your towbar, but it hauls significantly more than the Model 3. Arguably, it also handles better, with a great steer and good balance. The interior is very comfortable and swish, too, so you’ll experience a relaxed drive.

Plus, you should be able to go 335 miles between charges according to the WLTP test, which is a serious distance for an electric vehicle.

Audi E-Tron

With a towing limit of 1,800kg, the E-Tron offers the biggest pulling power of the cars surveyed thus far. It offers a rapid acceleration and a near 250-mile electric range without the caravan, all of which will serve you well when you’re towing. That said, the E-Tron is on the heavier side for an EV. As such, plan a recharge mid-trip if you’re on a particularly long journey.

One of the biggest selling points for this car is its plushness – the dashboard’s two central screens are swish and control all of the car’s functions. There’s also serious boot space for anything that doesn’t fit in the caravan. Be aware that this is a vehicle that’s on the pricier side. However, as with all of these electric vehicles, more models will start to pop up on the used marketplace as non-petrol and non-diesel cars become the norm.

Hyundai Ioniq 5

Low running costs and high practicality are two of the biggest selling points for the Ioniq 5, which offers some real muscle too. Both rear-wheel and four-wheel drive models will pull up to 1,600kg. What’s more, all the Ioniqs are designed to take the addition of a towbar – even the entry-level model. The car is also particularly sleek, with equally sophisticated interiors.

Tesla Model X

The Tesla SUV Model X is consistently upheld as the best electric car currently around for towing a caravan. It’ll tow up to 2,250kg and even has a towing mode. This means you can adjust the car’s ride when towing. The model also has air springs as standard, which means you can adjust ride height accordingly.

Inevitably, it’s not the cheapest vehicle on this list, but the performance is exceptional. This model will cover 0-60mph in 2.6 seconds without a caravan. That said, we wouldn’t advise going pedal to the metal when towing. There’s also plenty of space in the vehicle, with 2,492 litres worth of space and an optional seven seats for larger families.

Mercedes EQC

Another electric SUV that boasts comfort and towing ability, these models can tow up to 1,800kg. Slightly slower than the E-Tron, you’re unlikely to notice this when towing, where it stands up to the test and offers respectable acceleration. The EQC is, most notably, an exceptionally quiet car. This can can be a big win on long journeys, as some electric vehicles have been reported to whine when travelling at higher speeds.

You’re looking at a range of around 250 miles. However, be aware that this might vary depending on how heavy the caravan is that you’re towing. There’s also plenty of space in this car, with a 500-litre boot for any overflow, and the drive is very comfortable.

Speak to a car credit specialist today

If you’re after car finance for your new electric vehicle, be sure to contact one of My Car Credit’s friendly team of car credit specialists. They’ll be able to answer any questions you may have and get the ball rolling. Alternatively, our car finance calculator will give you a quote within minutes with no-obligation or impact on your credit score.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

What is heycar – And Should I Use Them?

What is the Safest Car for a Teenager?

What is the release date of the Volkswagen ID 2?

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

or call 01246 458 810

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