Finding a Car Archives | Car Buying Advice

How Has COVID-19 Impacted Car Sales?

Since the initial UK outbreak at the start of 2020, COVID-19 has affected our lives in various ways. People have had to work from home, many have been furloughed or even lost their jobs, and we’ve all had to adapt to a more remote way of living.

Needless to say, this has had some direct and knock-on effects for car sales, as this post will explore.

The direct impact on car sales

The initial impact of COVID-19 on car sales came through the forced closure of dealerships. In the first lockdown, imposed from 24^th March 2020 onwards, dealerships were deemed non-essential and forced to close. This brought car sales to a halt, with many dealerships not prepared for non-contact and online sales.

Over time, car sellers have adapted their processes so they can provide plenty of information online and offer click and collect services or deliver cars to customers’ homes. That minimised the impact of following lockdowns, including the national one imposed at the start of 2021.

Knock-on effects of COVID-19

While the ability to buy cars and apply for finance from the comfort of your home has minimised the direct impact of COVID-19 on car sales, there have also been some indirect effects.

People being furloughed or losing work has naturally led to fewer people being able to afford a new car – or at the very least, they’re looking at more affordable cars.

Some borrowers may have been forced to miss payments or make late repayments on their loans, which will have a knock-on effect for their credit score. Fortunately, some providers have offered ‘holidays’ on loan and mortgage repayments, which has minimised the impact on those who have been affected – at least in the short term.

Post-COVID car finance

If you’ve been left with a poor credit score in the wake of COVID-19, My Car Credit is on hand to help. We provide car finance for poor credit score applicants, so you can still spread the cost of a new or used car. To find out more, email enquiries@mycarcredit.co.uk or call us on 01246 458 810.

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

A Guide to Buying A Used Car Online

Two people searching online for their next used car

Online shopping has boomed in the last couple of decades, and car buying is no exception to the rule. Not only is buying a car online incredibly convenient, but you'll be able to search thousands of different makes and models, all from the comfort of your own home.

But what if you want to buy a used car? What are the differences with the sales process compared to purchasing a brand-new vehicle online, and are there any risks you’ll need to be aware of?

In this short guide, you’ll learn everything you need to know so you can search and buy your next used car online with total peace of mind.

Is buying a used car online safe?

More than likely, the very first concern you’ll have when buying a used car online is whether it’s safe.

It can be easy to focus on the negative stories you may hear about when browsing the web, but there is a perfectly safe way of purchasing a preowned vehicle online. Here are a few things to bear in mind:

Be aware of the dangers

While there are tonnes of great deals online, and many people have successfully purchased a used car online, there will always be situations where people can take advantage.

Only buy from an approved and reputable seller and be aware of online phishing. Anyone can put an ad out online, so do the proper due diligence to ensure the vehicle exists, and the registration number is valid. Sometimes, when the offer sounds too good to be true, it is!

If the worst happens and you think you’ve been a victim of fraud, the very first thing to do will be to report the issue to Action Fraud and contact your bank or building society to freeze your account temporarily.

Know your rights

Vehicles, new and used, bought through a dealership via ‘Click and Collect’ and ‘Click and Deliver’ fall under the Consumer Rights Act 2015. Buyers have a 14-day money-back guarantee to return the car if they decide they have changed their minds. This forms part of ‘distance selling regulations’.

There isn’t the same protection when buying from a private seller. However, the car must still meet the description of the advert and be road-worthy. Otherwise, the buyer may claim a refund under the Misrepresentation Act. The seller must also have the legal right to sell it.

It’s important to remember that when buying a used car privately, the buyer is responsible for ensuring that the vehicle is fit for purpose.

Do your research

As you would with any sizable purchase, it is crucial to do the necessary research into the product you are buying and check whether it matches the ad’s description.

If you are buying a used car from a local dealer, you’re given the freedom to inspect and test drive the car for yourself before parting with any cash. Where you cannot inspect the car, many dealerships and online dealers will provide you with comprehensive images of the vehicle along with videos and walk-arounds. Plus, you are protected by the distance selling regulations should a vehicle not live up to its description.

Be wise about payment

There are several ways to pay for a used car online, and there are different ways to ensure it’s safe, depending on who you are purchasing from.

When buying from a private seller, you should never hand over cash without seeing the vehicle beforehand. Reputable dealers and garages will always represent the car’s history, mileage, and condition in the advertisement correctly. However, if you’re unfortunate to come across a dodgy seller, it is comforting to know you haven’t parted with your money if the product doesn’t match the expectation.

Buying a used car from a dealer is much lower risk, and most will offer finance packages, allowing you to spread the cost across two to five years, dependent on the type of car finance you go for.

Arranging tax and insurance for a used car

Once you’ve placed an order or made a successful bid for a used car, you need to consider the best insurance policy for the vehicle. You can browse prices on comparison websites while you wait for delivery or pick up the car and then arrange for the insurance to start on the day it arrives.

Since you’re buying a used car, you may be conscious of any rising costs. If this is the case, there are certain modifications you can make to your insurance to lower the price. These include:

Have a black box fitted to monitor and carefully set premiums based on your driving habits.
Pay all of the policy off in one go rather than monthly or weekly.
Ensure the car is parked on a private driveway or garage rather than at the roadside.
Put the car on a multi-car insurance policy.
Improve your credit rating.
Remove any unnecessary extras you may not need.

A used car will more often than not be cheaper to insure than a brand-new model, but you need to consider that the age of used cars can make them more likely to break down and need maintenance. Repairs could hike up the overall cost significantly, which is why research and inspection are so vital.

You won’t be able to tax the vehicle until it is in your possession as you will need the official licensing documents. But don’t worry, this is a quick process that can be done over the phone or online, meaning you’ll be out on the road in no time.

Is it a good idea to finance a used car?

A used car financing deal can be a superb choice if you are money conscious or wish to spread the costs over months or years. The exact length of time it will take to pay off the car fully will vary depending on your agreement with the dealer or seller, so there is room for flexibility.

The two most popular ways of financing a car are Hire Purchase (HP) and Personal Contract Purchase (PCP).

With HP agreements, the cost of the car plus interest is spread across a set period of time. Once you’ve paid in full, the car then becomes your property. PCP agreements differ slightly, with lower payments across the term but with a deferred ‘optional final payment’ (sometimes called ‘balloon payment’) at the end in order to own the car. We cover more about these two car finance options on a separate article.

To secure a finance agreement, buyers need to pass a credit score check, as well as provide proof of identification and any other requested car finance paperwork. You can also opt to pay a deposit up front, but this is not a requirement. To ensure you’re in the best position to get accepted, you’ll need an active credit history to show you can manage money responsibly such as an owning active credit card, having a mobile phone contract or being on the electoral roll.

Getting finance deals on private sales, such as auctions or online bidding sites, is much rarer and complex. Cash, a personal loan or paying with a credit card tend to be the more favoured choices.

Do you need further help with buying a used car online?

As long as you avoid the pitfalls and do the critical research, buying a used car online could be one of the best things you’ll ever do and could save you thousands of pounds compared to buying brand new. There are plenty of reliable dealers and sellers out there that make purchasing a stress-free breeze.

However, you might still want that extra hand understanding all the specifics of finding a safe dealer and calculating the finance rate payments. That’s where My Car Credit can step in.

Simply give us a call on 01246 458 810 or drop us an email at enquiries@mycarcredit.co.uk – one of our friendly specialists will be in touch shortly.

For additional information, you can also explore our the hundreds of helpful blogs and articles we have created to support you in your car buying journey.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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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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Who Are Cinch Cars and Should I Buy a Car from Them?

Blue car on customers drive delivered by Cinch

Over the years, used cars salesmen have developed something of a reputation. It’s for that reason that many people dread visiting a dealership and haggling over the price of a second-hand vehicle, especially if they don’t have a strong knowledge of what goes on under the bonnet.

But what if you could view thousands of cars online, all with complete service records and all priced at reasonable rates? What if you could browse pictures of the vehicles (inside and out), ask questions on their performance histories and finalise the deal, all with a few clicks of the mouse? What if you could receive the car direct to your door, meaning you never have to leave the house once throughout the entire process?

Step forward Cinch Cars. With the ability to review thousands of top-quality used cars and complete the transaction all in one place online, it’s a one-stop shop for your next set of wheels.

Who are Cinch Cars?

Cinch Cars was founded with the objective of taking a stressful process and simplifying it as much as possible. After all, why should buying a car be any more problematic than any other online purchase?

Based upon that business model, Cinch Cars put their customers at the forefront of every aspect of their operations. They stock thousands of cars from all over the UK, all of which are less than seven years old and have fewer than 70,000 miles on the clock. Customers can even use their old car as a makeweight in a part-exchange deal.

As well as providing an extensive online catalogue of high-quality used vehicles, Cinch Cars also offer a handy tool which can narrow down the overwhelming array of options based upon your personal preferences and circumstances. Then, when you’ve settled upon the car of your dreams, it’s time to turn it into a reality with just a few clicks of the mouse.

How does it work?

First of all, you should take the time to look through the thousands of vehicles available online at Cinch Cars. Each car comes with its own personal profile, including photos of the vehicle inside and out, as well as a full history of its owners and service records. After comparing and contrasting the vehicles in the Cinch catalogue, you should be well equipped to make a decision on your next car.

Once you’ve found the one for you, all of the relevant paperwork can be completed online. After finalising the transaction and transferring the funds, you’ll be asked to choose a date and a time for the car to be delivered to your doorstep. Alternatively, you can pick out a make and model from an approved dealership near you, making things as easy and as flexible as possible.

Prior to the delivery date, it’s a good idea to get the car insured and taxed. Cinch Cars offer a three-day driveaway insurance policy through their partners Tempcover to get you behind the wheel as soon as possible. However, it’s a good idea to make your own arrangements on a longer-term basis, as well. Then once the handover is complete, you’re in the driving seat!

Why should I buy a car from Cinch Cars?

Cinch Cars have transformed the process of buying a used car from an arduous one into a doddle. But aside from the convenience and efficiency they offer, there are a whole host of other reasons why you should buy from them, including the following:

Extensive online catalogue. Cinch Cars stock a huge range of cars in all shapes and sizes. Whether it’s a coupe, a convertible, a hatchback, an estate or an SUV you’re after, you’re sure to find something that tickles your fancy online.
Quality guaranteed. All of the vehicles listed on the Cinch Cars site have been rigorously tested via a 225-point inspection, ensuring everything is in perfect working order for when it arrives at your door.
The Cinch commitment. As Cinch pride themselves on only stocking the finest makes and models from the used car market, they never sell any vehicle that is over seven years old or has more than 70,000 miles on the clock.
No charge for delivery. After signing on the (virtual) dotted line, you can select a two-hour slot on a day that is convenient for you for the car to be delivered to your doorstep. What could be easier?
Faff-free returns policy. What happens if you get behind the wheel of your new car, but something just doesn’t feel quite right? No problem. Cinch Cars operate a 14-day, faff-free returns policy, entitling you to a full refund if you’re not completely happy with your purchase.

How can My Car Credit help?

With the logistics of locating and buying your dream car taken care of, all that’s left to worry about is how to finance the purchase. After all, such a deal is not a small sum and not many people would be able to come up with the funds necessary to complete the transaction in one fell swoop.

If you’re left asking “Can I afford to buy a car?” – My Car Credit can help. We scour the lending market to find the best deal for you, then handle all of the tiresome paperwork involved as well. We can access the best deals available from our large panel of lenders. This means we can find the right arrangement for your circumstances, even if you’re self-employed or have a poor credit history! Either way, we’ll give you a decision on car financing within a matter of minutes.

Also, if you’re looking for reputable car dealers to buy your next wheels from, we have our own stock list of quality used vehicles. All of our dealers have been vetted for your peace of mind. Simply put in your postcode and the distance you’re willing to travel and we’ll pull up all vehicles within your parameters.

Last but certainly not least, we pride ourselves on providing exemplary customer service to each and every one of our clients. That’s why we assign a specialist personal advisor to every case, ensuring there will always be someone in your corner when you need them most. Want to learn more about how we can help? Feel free to drop us a line at 01246 458 810 or send an email to enquiries@mycarcredit.co.uk. Don’t delay – get in contact with our friendly team today!

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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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 cinch cinch cars online car buying online car finance

Who Are Cazoo and Should I Buy a Car from Them?

Cazoo delivery person knocking on a black door

Does the idea of buying a car fill you with dread? If visiting a dealership, kicking tyres and wrangling over prices is your idea of a living nightmare, don’t worry – there is a better way.

Nowadays, it’s possible to browse a selection of car makes and models online, including detailed camera angles of the exterior and interior, a full review of their history and a comparison of their prices. What’s more, you can even sign on the virtual dotted line and handle all of the paperwork, all from the comfort of your own home.

How can you make this stressful procedure as painless and straightforward as possible? By visiting Cazoo, of course.

Who are Cazoo?

Cazoo is a fantastic new portal where you can access hundreds of used cars online, all in one place. They only stock the best used cars from across the UK, all of which are priced reasonably and transparently. Cazoo believe in putting the customer first, which is why they never include hidden fees or charges in any of their pricing.

Having been launched in 2018 by the brains behind LoveFilm and Zoopla – both of which transformed the movie rental and real estate industries, respectively – Cazoo brings a similar approach to the world of buying a car. While such a task used to represent a tiresome ordeal, it can now be conducted with a few clicks of the mouse.

Thanks to the vision of its founder and the dedication of its employees, Cazoo now makes buying a car as simple and as straightforward as any other online purchase.

How does it work?

As with any other important purchase, the first step in acquiring your next car starts with research. You can browse through the hundreds of available cars at Cazoo, viewing them from all angles and reading up on their history. They never stock cars with financial or insurance issues and always make sure their vehicles run like a well-oiled machine, meaning there are plenty of options for you to choose from.

After deciding on the car that’s right for you, it’s then simply a case of approving the transaction and transferring the funds. There’s no need for you to leave your home in order to obtain the car – instead, Cazoo will deliver direct to your doorstep in as little as 72 hours after the sale is completed. Alternatively, you can arrange to pick the car up from one of Cazoo’s Customer Centres.

Either way, the handover will be handled by a qualified specialist and you’ll have seven days in which to test the car out and see how you like it. If, for any reason, you’re dissatisfied with the vehicle, you’re entitled to a full refund within seven days of receiving it. You’ll also benefit from a week of free insurance cover, a free 90-day warranty and 90 days of free RAC roadside assistance, too.

Why should I buy a car from Cazoo?

Aside from the convenience and ease of buying a car from Cazoo, there are plenty of other reasons why this enterprising site is becoming more and more popular by the day. Here are just a few of them:

Huge range of top-quality cars. Cazoo pride themselves on only stocking the best used cars from across the market. Every vehicle on their website has undergone a recent service and MOT (where necessary), giving you complete peace of mind about its quality.
Meticulous attention to detail. Before a vehicle is listed on the Cazoo site, it undergoes a painstaking 150-point inspection to ensure everything is as it should be. Any car which doesn’t make the cut, doesn’t get sold.
Expert reconditioning. We’ve all experienced a used car that has seen better days. At Cazoo, they invest significant funds in restoring and reconditioning cars to the manufacturer’s settings, so it’s almost good as new.
Free delivery. Why would you go to your new car when your new car can come to you? Cazoo deliver seven days a week between 8am and 8pm, all across the UK. You could be behind the wheel in as little as 72 hours after completing the purchase, all without leaving your home!
Complete peace of mind. With seven days in which to return the car for a full refund, and a comprehensive 90-day warranty on top of that, you can rest assured that the vehicle you buy is right for you.

Who are Cazoo finance?

As well as facilitating the search for a used car and aiding the process of buying it, Cazoo can also help with finding the funds to complete the purchase. As a finance broker, they’ll always compare the deals offered by a number of different lenders and identify the one that’s best for you.

There are two different payment options to choose from. Customers can either opt for a Hire Purchase (HP), where you spread the cost of the car over an agreed number of monthly instalments. On the other hand, you might prefer to opt for a Personal Contract Purchase (PCP). With this plan, you pay lower monthly instalments over a pre-agreed term, at the end of which you can choose to pay a larger, final payment to secure ownership of the car.

PCP plans are cheaper and more flexible than HP ones, since you can always choose not to pay the final sum and switch to a new plan at the end of your term. Whichever way you choose to finance your car, Cazoo are on hand to meet your needs.

How can My Car Credit help?

If the convenience of Cazoo appeals, but you’d still prefer a slightly more hands-on approach to buying a used car, My Car Credit might hold the solution. We can help you source your dream vehicle through hundreds of approved dealerships across the UK, ensuring you find your perfect set of wheels.

What’s more, we can also provide the support and expertise necessary to facilitate the transaction at every stage of the process. That includes car financing – as the UK’s largest car finance broker, we can help you access the best lenders for your unique circumstances, even if you’re looking for car finance with a poor credit rating. Get a decision within minutes!

Best of all, we assign a personal advisor to every customer we work with, ensuring there will always be someone on hand to answer your questions and give you advice. Want to see what all the fuss is about? Get in touch with us on 01246 458 810 or send an email to enquiries@mycarcredit.co.uk. Get the wheels in motion today!

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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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 cazoo online car buying online car finance

8 New Electric Cars Coming Out in 2021

The UK government has brought forward their ban on the sale of new petrol and diesel cars. Now coming into force from 2030, the ban aims to lower carbon emissions and help reduce our impact on the environment. Hybrid cars are also now being included in this proposal, with the sale of new hybrids being banned from 2035. So, what does this mean for your car moving forward?

While these cars can still be driven until 2050, they will eventually be eliminated from the roads entirely. With that in mind, 2021 could be the perfect year to make the switch to electric. To encourage those replacing their cars to make the change, the government is offering a £3,000 electric car grant to help towards the cost of vehicles up to £50,000.

Thankfully, car manufacturers are doing their bit to facilitate the switch too – releasingplenty of new models year upon year. 2021 is no exception, with a selection of great electric vehicles boasting impressive efficiency, mileage range and aesthetics. Read on as we look at eight impressive electric cars coming out in 2021.

1. Citroen e-C4

The latest generation Citroen C4 goes on sale in early 2021. For the first time, the C4 is available in an entirely electric model, perfect for fitting in with the upcoming new proposal and keeping your emissions low. You can expect to reach 0-62mph in 9.7 seconds, with a top speed of 93mph. You can even get 217 miles out of one full charge, giving you enough mileage for most trips.

2. Fiat 500

We’ve all heard of, seen and maybe even driven the classic Fiat 500. The unique design is recognisable across the globe. But in 2021, there is a new model coming to the market that is in keeping with the fuel-efficiency needed in today’s society. Available in four models, the Fiat 500 electric vehicles have a range of features, including panoramic sunroof, lane control, traffic sign recognition and fast charge. The maximum charge only provides 84 miles, however, so may be better suited to city living.

3. Volvo XC40 Recharge

This new model is Volvo’s first ever electric vehicle. The twin electric motors deliver 402bhp and you can get an impressive 248 miles for each charge. The car is certainly nippy too, reaching 62mph in just 4.9 seconds, with a near silent engine giving you a smooth drive every time.

4. Audi RS E-tron GT

If you’re after a sportier design that can get you from A to B in style, the Audi RS E-tron GT is the one for you. This new electric car uses a 96kWh battery, that will get you 248 miles of range out of each charge. And the car is as quick as it is eco-friendly, taking you to 62mph in under 3.5 seconds. If you’re looking to help reduce your carbon footprint whilst maintaining the speed, look and feel of your car, this new Audi is the perfect choice.

5. Mazda MX-30

For something a little more affordable, yet still fuel-efficient and stylish, the new electric Mazda replicates the feel of driving a traditional engine without the emissions. The reasonable price point, combined with the electric car grant, this is a great choice for families, young professionals or those looking for the ideal run-around. The Mazda will give you 130 miles of range from each charge, so is ideal for those doing shorter journeys or for city living.

6. Ford Mustang Mach-E

The new Ford Mustang has caused a little controversy ahead of its release in early 2021. As the first electric car to be named after the iconic Mustang, it has a unique body-style that has sparked question amongst Mustang fans. This model is one of the quickest of our list, hitting 60mph in 5.5 seconds. A full GT model is expected to be released later in 2021 that is expected to be even quicker.

7. Nissan Ariya

Following on from the hugely popular Nissan Leaf, which was the company’s first electric model, the Ariya is set to have even more of an impact. Coming in the latter half of 2021, this SUV can give you up to 310 miles of range out of just one charge, making it the most efficient of the cars in this list. The twin-motor engine is relatively quick too, covering 0-62mph in 5.1 seconds.

8. Skoda Enyaq iV

This fully electric SUV comes in two different battery sizes, giving you between 242 and 316 miles from one charge. The new Skoda will be available to buy in the UK from early 2021, giving you plenty of time to search for the perfect model. With the UK plug-in car grant, you can even get a bit of financial help setting up an electric car charging point at your home.

Securing your dream car

While the Government’s £3,000 grant makes the switch to electric a bit easier on the bank balance, most people will still need a bit of help paying for their car up front. That’s where My Car Credit can lend a hand.

We compare deals from a network of 27 trusted lenders to find you an affordable way to pay for your car in monthly installments. Everything can be done online for your convenience, meaning you’re just a few clicks away from the best electric cars coming out in 2021. Check your car finance eligibility online today or get in touch with our team for more information.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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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

cars in 2021 electric cars hybrid cars new cars

Can I Buy a Car During Lockdown?

Mother and daughter at home searching for a new car during lockdown

The second lockdown is upon us. Other than a few exceptions like schools and elite sport, the restrictions largely mirror those introduced in March. That includes social distancing when it comes to transport.

Despite key workers still needing to commute to and from work, people are again being asked to avoid public transport wherever possible, with car-sharing also seen as a no-go for people from different households. The most obvious way around this is to get a car of your own. Alternatively, entering the winter months, you might have noticed a few issues with your current car and be looking for a replacement.

In both cases, the solution is to buy a car. But what about the restrictions? In this post, we’ll explore whether you can buy a car during lockdown.

What the government says

Announced by the Government on Saturday 31^st October, the second lockdown will force all non-essential retailers to close from November 5^th until December 2^nd. Unfortunately, this includes car dealerships, meaning customers will no longer be able to buy a car in-person.

That said, the Government hasn’t banned the sale of cars completely. As with many other non-essential retailers, click and collect or delivery options are both still available. That means you can buy a car online and pick it up in person, or have it delivered to your address. It’s essentially a repeat of the “distance selling” regulations that were introduced in May.

How dealers can help

Despite being able to buy a car during lockdown, it’s understandable that many customers will still be concerned about the process. Will the pick-up or delivery of the car be Covid-safe? How can I make sure I’m choosing the right car without visiting the dealership?

Fortunately, having been through the same situation from May, many dealerships already have measures in place to make the process easier. Some offer video tours of the car to mimic the in-person experience. You can also expect better support by phone and webchat, with staff keen to continue sales remotely.

For complete peace of mind, it’s worth checking dealerships’ approach to coronavirus safety, hygiene and social distancing before buying.

What about finance?

The final part of the picture is how you pay for the car. Fortunately, that’s another area where measures have already been implemented.

It’s now possible to complete the whole finance journey online including sending and receiving documents, processing proof of ID and address and even e-signing to seal the deal. This was certainly a popular option in the first lockdown, with a 95% increase in car finance applications online compared to 2019.

At My Car Credit, we will remain open for business as usual, with exactly the same opening hours. The majority of our staff are working from home, using new and improved technical equipment and telephone systems and waiting for your call! Some of our operational teams will continue to work from our Covid-secure offices. This is to ensure we maintain the excellent service levels we’ve become known for.

We are also delighted to say that there will be no changes in our processes, which our lenders have confirmed to be more than robust enough for the current climate. This means you can take out car finance through us with complete peace of mind.

To take the first steps towards your lockdown car purchase, calculate car finance and then use our online application form or get in touch with our team for more information.

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Evolution Funding Ltd T/A My Car Credit

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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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8 Used Automatic Cars for Under £3,000

Shifter in a used automatic car for sale under 3000

Many buyers crave the ease of an automatic car – which is why they’re often in demand on the used market. After all, the automatic gearbox makes driving a lot easier, whether you’re looking for a nifty run-around car as a homemaker, a reliable vehicle for commuting, or a smaller option for elderly drivers.

However, because fewer new cars are sold as automatics compared to manuals, the used car demand can often outweigh the supply. Fear not, these hot vehicles don’t have to break the bank and a bargain can still be had. If you’re looking for the top automatic vehicles for sale under £3,000, read on.

Affordable Automatic Cars

1. Toyota Yaris

Despite its age (2007), the Toyota Yaris still looks relatively sleek and fresh. Inside, there’s a decent dashboard with a central display and all the features you need for comfortable driving – stereo, air-con and heating. The smaller vehicle is a fun drive with sharp handling and responsive touch. A 1.3-litre version often enough ‘go’ for most people. The automatic gearbox in these models offers a smoother ride than the jerky 1.0-litre manual version.

If you don’t opt for the Sport models, you can find a 2007, 1.3-litre, second-hand Toyota Yaris with an automatic gearbox for under £2,000.

2. Skoda Superb

For a high-quality family car, the Skoda Superb is, well, a superb choice. It features comfortable interiors, a quiet engine and the model is ideal for hauling children to school or going on long road trips. There’s plenty of room to make family life easier and work commutes extra snug.

Although you won’t be able to enjoy the new models within the £3,000 budget, you will be able to find a 2002 model with a sizeable engine for under £2,000.

3. Hyundai i10

When you want to list vehicles that suit every journey, you have to include the classic small city car, the Hyundai i10. The interior is boxy but comfortable and limited in extras but it is incredibly affordable.

Its size makes it perfect for cutting through the hustle and bustle of the city, so it makes sense to get it with an automatic gearbox to give your clutch foot a rest in stop-start traffic. The automatic gearbox reduces fuel economy by 10mpg compared with the manual car, but the vehicle performs extremely well in other aspects. It has nippy acceleration and surprisingly smooth handling for such an affordable vehicle.

There are plenty of 2008 models – and possibly 2010s – that fall within the £3,000 budget.

4. Mazda 3

Sleek and stunning by design, this all-angles Mazda 3 is another top choice for a second-hand automatic car. Although the automatic gearbox uses a traditional design, the advanced technology allows the driver to enjoy smooth gear changes, and with only a small dip in fuel economy.

The Japanese company has a great track history of producing reliable cars, which is a huge priority for commuters and busy families. If you choose an older Mazda 3 as your next car, you’ll be investing in peace of mind as well as clever design.

We’ve spotted 2005 and 2008 1.6-litre engines going for under £3,000.

5. Volkswagen Polo

You don’t have to know a lot about cars to know that the VW Polo is an excellent vehicle, not to mention well-loved across the nation. Drivers over the years have valued the Polo’s reasonable running costs, excellent handling and that solid German build quality. If you’re looking for a mid-priced automatic vehicle, then you can’t go wrong with the Polo. You get to enjoy smooth driving, reliability and a spacious interior.

Look for 2005 and 2006 models that you can score for under £3,000.

6. Ford Focus

For an automatic car for under £3,000, an older Ford Focus is going to be one of your top choices. They are popular for a reason – the model is economical, fuss-free and ideal for those who want a car they can depend on without breaking the bank. The ride can be a bit firm and the interior can feel cheap in places, but the Focus doesn’t tend to be expensive to run, insure, tax or maintain. Older models still hold up well, too.

For an older 2006 model, you can expect to pay under £3,000, possibly under £2,000, depending on the mileage and condition.

7. Ford Fiesta

Logic dictates that if you’re going to list the Volkswagen Polo and Ford Focus, then it must also have the Fiesta – also known as Britain’s best-selling vehicle. For good reason, too. It’s economical (even with an automatic transmission), has affordable running costs and is a comfortable interior for long journeys.

While you won’t get behind the wheel of a sixth-generation Fiesta ST for £3,000, if you don’t mind a slightly higher-mileage car, then you can get yourself a 2006 1.6-litre Fiesta for that budget.

8. Renault Clio

As one of the best-selling French cars of all time, the Clio is a stylish and affordable supermini for first-time and established drivers. It’s small enough for city driving but picks up speed quickly when you put your foot down on the motorway. With more powerful engine sizes to choose from in the Clio, you can make more of your journeys.

Keep an eye out for models from 2005 to 2012 with 1.6 or 2.0-litre engines that typically range from £1,500 to just over £3,000. If you have a tight £3,000 budget, consider your car finance eligibility to ensure you secure the right set of wheels.

Drive away with one of the top used automatic cars

With plenty of affordable and reliable options, it’s never been easier to find automatic cars for sale under £3,000. At My Car Credit, we make things even more cost-effective with accessible car finance for a range of budgets and credit ratings.

Our team can draw upon a vast network of lenders to find the right deal for you, helping you get your perfect automatic vehicle without any hassle or delays. Give us a call on 01246 458 810 or email enquiries@mycarcredit.co.uk to find out more.

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Evolution Funding Ltd T/A My Car Credit

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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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Hybrid or Electric Cars: The Pros and Cons Compared

These days, we’re all a bit more conscious of our environmental footprint. While we can’t all move off-grid and live off the land, we can make smarter decisions in our everyday habits. A great number of motorists are torn by this very notion when selecting their next set of wheels – hybrid or electric car? Whether you’re looking for greener transportation or a future-proof vehicle, here is a detailed look at the advantages and drawbacks of hybrid and electric vehicles.

Hybrid or electric cars

The greener car revolution is revving up Britain, and the polluting oil-powered vehicles are being replaced by eco-friendly electric and hybrid models. Electric and semi-electric cars can still be relatively expensive to buy, but thanks to government grants, road tax breaks, low running costs and cheaper models entering the market, they are becoming more accessible for every motorist.

Electric vehicles (EVs) are powered solely by electricity, instead of relying on petrol or diesel. They contain an electric battery pack that provides power to run all of the vehicle’s onboard electronics, including the motor, that needs to be recharged regularly. No different to how you would charge a smartphone or laptop! Electric cars can either be 100 percent electric or combined with a traditional gas-powered engine to form a hybrid car.

Hybrid cars, in theory, give you the low emissions and smooth power delivery of an electric car along with the long-distance abilities of a traditional petrol or diesel car.

Hybrid

Pros:

Hybrid vehicles use a combination of electricity and petrol/diesel for power. In turn, the hybrid emits less pollution than a traditional car, earning itself great green credentials.
Hybrid systems use a process called regenerative braking. Instead of wasting braking energy like most vehicles, the hybrid captures it and then feeds it back into the battery. This system increases the electric motor’s charge which also helps it to consume less fuel, especially when driving around town where you use the brakes frequently.
Because a hybrid electric car is so efficient, you have less dependence on petrol station stops. In turn, it reduces your need for oil, which helps to lower the demand and dependency for petrol pumps.
If you haven’t driven a hybrid vehicle before, chances are you’re in for a real shock the first few times you start it. It is incredibly quiet, and you would be forgiven for not realising the car was on.

Cons:

Because hybrid vehicles have a dual engine and advanced technology, it can be challenging for mechanics to repair these vehicles confidently. You may need to find a mechanic with the relevant expertise.
Hybrid vehicles run on twin-powered engines, which means that the diesel or petrol engine is considerably smaller than a traditional internal combustion engine in an oil-powered car. Generally, this means that hybrids are better suited to city driving rather than motorway or rural driving.
Most hybrids are built for economy, not speed. Total output and acceleration of hybrids seem to fall behind oil-only vehicles.

Electric

Pros:

Electric vehicles benefit the environment the most since they generate zero emissions directly. The electrical system powers the motor that turns the wheels, as well as all the associated electrical items like lights and air conditioning. This scores big points in terms of benefits to the environment. If that electricity is generated renewably, they have the potential to run without fossil fuels.
Motorists of electric cars get to save time and money at the pump. If you charge the vehicle at home, then you get to bypass the fuel station altogether, saving you precious time.
Most electric cars are tax free, which means you get to save, on average, £140 annually when compared with a petrol or diesel car.
Generally, electric cars have lower maintenance costs because there are fewer moving parts. They don’t need oil changes and other service items. This longevity helps motorists keep traveling for longer over the years.

Cons:

One of the largest drawbacks of electric cars is their mileage range. Most electric vehicles run only for around 100 miles on a charge, depending on the vehicle, speed and other variables. An exception to this rule would be the Tesla Model S, which can hold around 150 miles per charge. Those motorists with longer commutes may want to consider hybrids.
Nationwide, there are over 30,000 charging points in the UK. While the electric car’s sat-nav will find a charging point for you, most are found in urban areas. There is a cost to use these charging points, too.
If you’re driving across the country and need to charge the car, you may want to grab a book and some food. The charging time is nowhere near as quick as filling the car up with petrol. The time depends on the make and model, as well as how powerful the charger is. Home wall chargers start at around £500 and will give you between 15 and 30 miles’ charge per hour.

Financing your next EV

A large incentive to purchase a fully electric vehicle or a hybrid is the government grant. The gov.uk website provides full comprehensive information on this, but, in short, you can get a grant towards the cost of a new electric car, though conditions apply. They also offer a grant of up to £500 for installing a home EV charger to further reduce the upfront investment. Such financial support makes EVs that much more affordable and appealing to a large number of motorists.

Are you ready for your next electric or hybrid vehicle? Use this car finance calculator to see how much you could borrow to land the right car loan for your needs.

At My Car Credit, we make it easy to go green and get behind the wheel or a hybrid or electric vehicle. With cost-effective car financing options, we work with motorists who have a range of budgets and credit ratings. Give us a call on 01246 458 810 or email enquiries@mycarcredit.co.uk to find out how to get started.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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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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Which Cars Will be Popular Post-COVID?

A white car in a dealership of popular cars

COVID-19 has affected every area of our lives, from how we interact with others to how we travel. Unsurprisingly, it's also changed the way we shop, even for costly purchases like new and used cars. Now, more people than ever are swapping showrooms for virtual auctions, digital catalogues and online marketplaces.

However, the virus’s seismic impact on the automotive industry extends far beyond how we buy cars – it’s also changed what cars we want to drive. In this post, we’ll discuss which cars will be popular in the coming months and years.

Used cars over new

When you think of popular cars, you might imagine stylish new models equipped with the latest technology. However, the current instability of the job market and subsequent financial strain is leading many to buy quality used or nearly new cars instead.

Even before COVID-19, affordability was the leading factor in why people purchased used cars. Not only is the initial price much lower (often between 30-50%), maintenance and insurance are usually cheaper too. Additionally, thanks to the current travel restrictions, manufacturers are experiencing difficulties with international imports, resulting in lengthy delays to purchase new models.

Motorists are going green

With fewer cars on the road, creating a never-ending symphony of bangs, clatters and roars, many people rediscovered the joys of birdsong during lockdown, with experts dubbing it the “silent spring”. However, it’s not just noise pollution that cleared up considerably. London’s smog vanished, fish reappeared in the typically murky waters of the Venice canals and coyotes casually wandered across the Golden Gate Bridge.

The virus showed us what life could look like if we lived more in accordance with nature, revealing a greener world where human activity was much less intrusive. As a result, many people started to think about how they could preserve this peace moving forward, starting with how they travel.

According to one study on over 1,000 people in the UK, 25% of motorists want to purchase an eco-friendly vehicle after seeing a decline in pollution during lockdown. Those from key cities, such as London, Liverpool and Sheffield, are especially keen to make the switch. Official figures cited in The Times bolster the study’s findings, showing 33,000 pure electric and hybrid cars were registered between April and June, compared with 29,900 diesels.

Focus on family-friendly models

Thanks to the current travel restrictions, people are swapping holidays in far-flung locations for trusty staycations, increasing the demand for reliable, family-friendly cars. 

Recent research shows 90% of UK holidaymakers are planning to take a domestic holiday once the government lifts coronavirus restrictions. Therefore, people are now searching for cars that prioritise space, number of miles per gallon and all-weather performance over gadgets, gizmos and garish designs. What’s more, the increase in finance plans means finding an affordable family-friendly car has never been easier.

How we can help

Whatever car you’re looking for, our goal at My Car Credit is to make securing car finance as simple and accessible as possible.

To find out how we can help you, give us a call on 01246 458 810 or drop us an email at enquiries@mycarcredit.co.uk. One of our knowledgeable team members will get back to you as soon as possible. 

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Evolution Funding Ltd T/A My Car Credit

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My credit rating

X monthly repayments of
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Typical rate

Loan amount

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*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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Cheap Family Cars on Finance: 5 Budget Options

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A reliable, child-friendly car is the glue that holds families together, allowing for shopping trips, school-runs, half-term holidays and so much more. However, finding a low-cost model that ticks all the boxes can be challenging, especially if you're after plenty of space, safety features and storage.

While owning the family-friendly car of your dreams may feel impossible at first glance, it could be more achievable than you think. Instead of paying upfront, most people now opt to buy cars via personal contract purchase (PCP), which spreads the total cost over an extended period. Plus, because you’re only funding part of the car’s value, you could drive away in something that would otherwise be out of your budget.

Thanks to their popularity, most manufacturers now offer these flexible payment options, meaning you can choose from an extraordinary range of family hatchbacks, hybrids and SUVs for under £200 per month. You can also double-check how much you can expect to pay by using our handy car finance calculator.

What’s more, to help you decide, we’ve compiled our top 5 budget-friendly recommendations that offer exceptional quality alongside affordability.

1. Peugeot 308

Estimated monthly cost: Used models from £155 per month

The Peugeot 308 is a child-friendly, five-door hatchback that’s often praised for being the best all-rounder for families on a budget. There’s plenty to love including its low running costs, impressive safety grade and spacious interiors that comfortably seat two up front and three in the back.

Thanks to its excellent fuel economy and low emission rates, the 308 promises exceptional value for money and lends itself to high-mileage road trips and summer staycations. Plus, it has a five-star safety score from Euro NCAP, taking the stress out of the bumpiest of journeys.

Driving performance aside, the 308 doesn’t skimp on style or space. The roomy boot offers 470 litres with the seats up and 1,185 litres with the seats folded. Plus, there’s extra hidden space below the load area for phones, book bags and other bits and pieces.

2. Vauxhall Insignia Grand Sport

Estimated monthly cost: Used models from £188 per month

If you’re searching for reliability, there’s no better choice than the Vauxhall Insignia Grand Sport, voted Family Car of the Year at the Auto Express Awards 2018. While this model retains much of the original Insignia’s design, it adds even more interior space and high-tech features. This includes a touchscreen infotainment system with sat-nav, without significantly bumping up the price.

Its unrivalled reliability is, in part, thanks to its vast array of customisable engines, meaning you can choose the machinery that suits your driving style. You can opt for a petrol or diesel engine, front-wheel drive, four-wheel-drive, six-speed manual, six-speed automatic or eight-speed automatic gearbox.

The Grand Sport also offers much more space than its predecessor, comfortably seating large families while providing plenty of storage. The front doors have generously sized pockets, and there’s a large cubbyhole under the middle armrest to keep prized possessions safe.

3. Ford Mondeo

Estimated monthly cost: Used models from £186 per month

Ford is known for creating classic, reliable and functional cars, and the Mondeo doesn’t disappoint. Recently upgraded, it offers a more upscale design, plenty of interior features and ample storage.

Its large dimensions make it an efficient family car with plenty of room for passengers and luggage. Yet, despite its impressive size, it handles surprisingly lightly, navigating tight corners and parking spaces with ease. The Mondeo is also built for speed, making it the perfect option for families who take regular motorway trips – paired with sat-nav as standard.

Perhaps the most appealing aspect of the Mondeo is space. There are deep door pockets, large cup holders and a wide central cubby complete with USB sockets. What’s more, the generously sized boot offers more space than you’ll ever need.

4. Dacia Duster SUV

Estimated monthly cost: Used models from £160 per month

Are you surprised to see an SUV on the list? The Dacia Duster is excellent value for money, easy-to-drive and incredibly practical – the ideal option for growing families looking to get more car for their money.

The Duster is an uncomplicated vehicle, built for countryside living. Thanks to its unique combination of small wheels and high-rubber tyres, you can navigate bumps and potholes effortlessly. What’s more, its supreme grip makes driving feel much safer even on the rainiest days.

Despite the low price tag, you get plenty of interior space. The rear door openings are tall for easy access, and the height of the seats from the ground means children can easily hop in and out. The boot is large by SUV standards, offering enough room to carry luggage, camping equipment, multiple school projects and more.

5. Skoda Octavia

Estimated monthly cost: Used models from £167 per month

Perhaps one of the flashiest cars on our list, the Skoda Octavia has steadily moved away from its budget roots into the realm of premium transport, rivalling the Audi A1 and Mercedes A Class. However, thanks to the wealth of PCP on offer, it’s still an affordable, quality option for families looking for something a little fancier.

The Octavia’s driving performance is impressive, and the 148bhp diesel engine can go from 0-62mph in 8.7 seconds. In addition, its soft suspension makes cruising at pace a pleasure, even when carrying several children and a boot full of luggage.

As well as this, this particular model provides some of the most generous rear space of any hatchback. Behind a tall driver, passengers are still able to lounge comfortably, and there’s plenty of head and elbow room for restless children. Storage-wise, the boot provides more space than rival hatchbacks, and even outperforms most models from the class above.

How we can help

At My Car Credit, we’re committed to making it as simple as possible to secure car finance. To find out how we can help you, give us a call on 01246 458 810 or drop us an email at enquiries@mycarcredit.co.uk. One of our knowledgeable team members will get back to you as soon as possible.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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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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Since the initial UK outbreak at the start of 2020, COVID-19 has affected our lives in various ways. People have had to work from home, many have been furloughed or even lost their jobs, and we’ve all had to adapt to a more remote way of living.

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Post-COVID car finance

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The second lockdown is upon us. Other than a few exceptions like schools and elite sport, the restrictions largely mirror those introduced in March. That includes social distancing when it comes to transport.

What the government says

How dealers can help

What about finance?

Rates from 9.9% APR. Representative APR 10.9%

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