Finding a Car Archives | Car Buying Advice

Are Automatic Cars More Expensive?

If you’re looking to get a new vehicle, there are many factors that will impact your final decision. One of the biggest considerations is choosing whether to purchase an automatic or manual vehicle.

Automatic cars have many benefits, but they are more costly to purchase than manual vehicles. So, why exactly are automatic cars more expensive? Read on to learn more…

Automatic vs. manual

If you’re driving a manual car, you’re in charge of the vehicle’s gearbox and clutch. With automatic cars, there are generally only four ‘modes’ of travel, and two pedals – one for accelerating and one for braking. The car itself changes gear according to the speed at which you’re travelling.

There are advantages and disadvantages to an automatic, and whether it’s right for you will depend on your needs and preferences.

Automatic vehicles – the benefits

Better for traffic

If you’re in an urban area with traffic, your journeys will be stop-start. Constantly remaining on the clutch can be tiring and could cause leg ache.

Plus, automatics are safer. The automatic transmission means there’s little risk of stalling, and you don’t have to take your hands off the wheel in order to change gear. This makes navigating tricky junctions easier, allowing you to focus on the hazards of the road.

Fuel efficient

If you’re looking to purchase a newer automatic vehicle, these tend to be more fuel efficient than their manual counterparts.

Plus, the government’s 2030 petrol ban means that new petrol and diesel car sales are ending soon in favour of EVs, which don’t have gearboxes and therefore work like automatics. Manual cars are going to become increasingly phased out over time, to be replaced with EVs and second-hand automatics. Purchasing an automatic vehicle is ultimately a more future-proof decision than purchasing a manual.

Automatic vehicles – the drawbacks

License limitations

If you only have an automatic license, you can only drive automatic vehicles. To drive a manual, you’d need to take another driving test.

Less control

An automatic vehicle will change gears for you according to your speed. So, if you’re a driver who prefers to stay in control, you’ll find automatic vehicles frustrating.

More expensive

Automatic cars are more expensive to purchase – and are also often more expensive to insure.

Why are automatic cars more expensive?

Automatic gear boxes are more complex than manual counterparts, because they rely on automatic transmission. As a result, they’re more expensive to produce, and the overall pricing of the vehicle reflects this.

It also means that automatic cars are more expensive to repair, and may even require more costly breakdown cover as a result of mechanical particularities or towing limitations. This results in a higher insurance premium for automatic cars too.

Take the expense out of automatic cars

Find out how My Car Credit can help you fund your purchase of an automatic vehicle. Use our car finance calculator for a no-obligation quote and start your journey towards securing affordable car finance that suits your needs today.

Want to learn more? Get in touch with our team on 01246 458 810 or enquiries@mycarcredit.co.uk.

Rates from 9.9% APR. Representative APR 12.4%

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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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

8 Benefits of Getting an Electric Car on Finance

Man using the console on his electric car

More and more people are choosing an electric car on finance. With good reason too. The choice combines the benefits of electric cars on their own with the flexibility and convenience of ever-popular car finance.

In this post, we’ll dig a little deeper into the trend with 8 benefits of buying an electric car on finance.

1. Fuel costs

Firstly, there are the benefits of electric cars compared to getting a petrol or diesel vehicle on finance. Now more than ever, people are looking to get away from the unpredictable (and generally sky-high) fuel prices. Electric vehicles are the best alternative.

According to EDF Energy, it costs around £7 for 100 miles of range from a rapid charge point. Even in a relatively efficient 50mpg car, that would require around 9 litres of fuel – costing at least £14 with today’s fuel prices.

2. Running costs

When you choose an electric car on finance, you also benefit from lower running costs. Aside from fuel, electric cars require less maintenance than those with internal combustion engines because they have fewer moving parts. At present, fully electric vehicles are also completely exempt from road tax. Not to mention the money you’ll save on inner-city emissions charges, with lots of cities looking to follow suit after London.

3. Spread the cost

Now onto the benefits of an electric car on finance specifically. Despite the cost advantages above, there’s no denying that electric vehicles come at a premium. At the moment, that’s because they’re produced in smaller numbers and use newer technology. But that doesn’t mean you have to wait until they become more commonplace to make the switch.

Car finance allows you to spread the cost of your electric car over two, three, four or even more years. Over 48 monthly payments, a £3,000 difference between a petrol and electric car becomes just over £60 a month, plus a little interest depending on the rate you’re offered.

4. Get the latest model

When electric cars were in their adolescence, range was one of the biggest stumbling blocks. Drivers were put off by cars that could only achieve 100 miles or so before they needed charging. Now, those worries have been swept aside with a standard electric car easily achieving upwards of 200 miles from a single charge.

That said, if you want the widest range, you’re best going for a newer model. Without car finance, you may have to settle for an older model and frequent recharging. By opting for an electric car on finance, you can enjoy the freedom of better range – not to mention all the other state-of-the-art features you’ll get with a newer model.

5. And carry on doing so

Enjoyed driving one of the latest electric cars? You can continue to do so with the right car finance on your side. Personal contract purchase (PCP) deals, for example, come with an optional balloon payment at the end of your deal. In simple terms, you make monthly payments towards the cost of the car, then choose whether you want to make one final, bigger payment to own it outright when your term ends.

If you want to stay up to date and swap your electric car for a newer model, you can do exactly that. Give the car back, sidestep the balloon payment, then take your pick from whatever the car world has to offer in a few years’ time. With the current pace of electric vehicle developments, there could be some pretty impressive cars to choose from.

6. Stay ahead of the curve

Because finance makes it easier to switch to an electric car, it allows you to do so right now. That means you won’t spend the next three, four, five or even more years wanting to make the switch – but putting it off.

Here’s why that’s such a boon – the sale of new petrol and diesel cars will end in 2030. The closer we get to that date, the more demand there is for electric cars and the infrastructure that supports them. We’re talking about home chargers, above all else.

By getting an electric car on finance, you can make the switch before most other drivers. You can get to grips with driving an electric car, kit out your home with a nice charger and then sit back while everyone rushes around in a few years’ time.

7. Don’t forget the environment

Have we really listed six points before getting to the environment? Apparently so. Because there’s no combustion to generate power, electric cars don’t emit harmful gases as they drive around. That’s not to say they’re completely eco-friendly at present.

According to the UK Government’s energy brief, just over 40% of electricity is generated by burning fossil fuels. That means that electricity and electric cars still impact the environment to some extent. However, it’s undeniably far less than the impact of petrol and diesel cars. As time goes on, that 40% share will only decrease, making electric cars even better for the environment.

8. Improve your credit score

Some people looking for an electric car on finance worry that their credit score isn’t up to scratch. Over time, that can also affect applications for loans, mortgages and even tenancy agreements. Thankfully, car finance is one of the areas where there’s a bit more leeway.

It’s absolutely possible to find car finance for poor credit. n doing so, as long as you keep up with repayments, you may also improve your credit score over time. That means your electric car on finance could well be the reason you get accepted for tenancies, mortgages or loan applications in the future.

Start your electric car journey today

If you want to make the switch to electric without the big upfront costs, My Car Credit can help. Using our large network of trusted lenders, we aim to find a deal that’s great for all kinds of drivers. Contact us today on enquiries@mycarcredit.co.uk if you have any more questions about getting an electric car on finance.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

What is the Best Small Car for Motorway Driving?

What are the Best Cars for Business Owners?

Top 9 Best Cars for London Driving

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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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

electric environment EV Fuel cost PCP running costs

Which Electric Car Should I Buy?

man using his phone to research which electric car to buy

With high inflation outstripping wage and benefit increases, the UK is going through a serious cost of living crisis. As a result, people are looking to cut costs in every area of their lives – and driving is no exception.

Economical cars can help you do that, saving you on fuel or even road tax over time. While it might seem like a small amount, every penny and pound will count as we all feel the squeeze over the coming months and years.

Keep reading as we look at 8 of the most economical cars that can make driving more affordable.

Most economical electric cars

First and foremost, electric vehicles account for many of the most economical cars on the market. That’s because they’re exempt from road tax thanks to zero emissions, cheaper to run because of fewer moving parts, and cheaper to power with electricity costing less than diesel or petrol.

On the flipside, they’re obviously more expensive to buy. That’s where a car loan finance calculator can help, showing you how the cost can be spread. To make things even more economical, here are some of the cheapest models available…

Fiat 500 Action

Priced at around £21,000 brand new, the Fiat 500 Action is one of the cheapest electric cars available. That’s partly down to its smaller 24kWh battery (compared to 42 kWh on previous models). As a result, the range is a modest 118 miles, making it ideal for urban commutes, short trips and general day-to-day use as long as you have a home charger.

Vauxhall Corsa-e

If you’re looking for something that can go a little further, the Vauxhall Corsa-e is a good option. The supermini’s official range is 222 miles, with prices starting around £25,000 brand new. It’s nice and lightweight so the charge won’t be used up unnecessarily. Naturally, with both of these cars, there’s a lot of money to be saved going for a used, older model.

Most economical hybrid cars

If you’re not ready to be plugging in just yet, or maybe you live in a remote area where chargers aren’t readily available, hybrids offer a good alternative. They use regenerative braking to generate electricity while driving, meaning you can supplement fuel from the pump without any extra work.

Toyota Yaris (and Yaris Cross)

Toyota is leading the way when it comes to hybrid efficiency. Both its Yaris 1.5 Hybrid and Yaris Cross 1.5 Hybrid offer around 60mpg on average.

The standard Yaris is smaller and cheaper to buy, making it the most economical hybrid car that’s ideal for individuals, couples or small families. As a small SUV, the Yaris Cross provides all that, plus a little extra space and the sought-after SUV styling – albeit at a little extra cost.

Elsewhere, the Toyota Prius is another top contender. While it doesn’t quite match the Yaris for fuel-efficiency, it’s been around for much longer, meaning there are a greater choice of older, used vehicles at a cheaper price.

Most economical diesel cars

While cars that are powered solely by fuel burning can’t quite match the efficiency of electric and hybrid models, they’re still some of the most economical cars, thanks to their lower price tags. Of the two fuels, diesel is known for its better fuel economy – making the next two cars a pretty good option overall…

Peugeot 208

With a 1.5-litre BlueHDi diesel engine, the Peugeot 208 achieves around 70mpg. Despite being a relatively small car, its five-door design makes it easy enough for rear passengers to get in and out. Its 311 litres of boot space makes it similar to other small cars, with the option to fold down rear seats for a 1,100 litre total.

Vauxhall Corsa

A second mention for the much-loved Vauxhall Corsa – this time for its 1.5 Turbo D model rather than its electric counterpart. It’s almost a carbon copy of the Peugeot 208 with the tiniest difference in mpg and boot space. That said, it does have a more responsive drive, meaning you can go economical without feeling it on every corner.

Most economical petrol cars

Out of all the fuel options, petrol is typically the least efficient – but that doesn’t necessarily mean it’s not economical. There are plenty of petrol cars to choose from with small engines, which makes them cheaper to buy and run. By choosing a smaller petrol car, you can still get from A to B at a relatively low cost.

Peugeot 108

First on sale in 2014, the Peugeot 108 is the quintessential economical car. It has an official mpg of just under 59mpg, thanks to a modest 1-litre engine and small, lightweight design. That does pose some issues for practicality, with the car and its 180-litre boot more suited to people travelling alone or as a pair. However, if you’re looking to cut costs, it’s hard to go better than this reliable city car.

Citroen C1

Like our top diesel contenders, we have another case of two similar cars matching each other stride for stride. The Citroen C1 is another economical car powered by petrol, with the same mpg as Peugeot’s city car – though it does come with a slightly bigger boot.

Keep your car economical

With the cost of fuel at an all-time high, not to mention everything else rising in price, it’s never been more important to have a car that’s economical to run. Invariably, that means you’re better off with newer models that are more fuel-efficient.

With My Car Credit, you can make your purchase as economical as your up-to-date car. We compare finance from our established network of lenders, saving you time while ensuring you get an affordable deal that spreads the cost of your next car.

If you have any questions about our process, don’t hesitate to contact our team on enquiries@mycarcredit.co.uk and we’ll get back to you as soon as we can.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

What is the Best Small Car for Motorway Driving?

What are the Best Cars for Business Owners?

Top 9 Best Cars for London Driving

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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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

audi bmw car buying economical electric cars EV mercedes nissan tesla vauxhall vw

8 of the Most Economical Cars to Help You Save Money

With high inflation outstripping wage and benefit increases, the UK is going through a serious cost of living crisis. As a result, people are looking to cut costs in every area of their lives – and driving is no exception.

Economical cars can help you do that, saving you on fuel or even road tax over time. While it might seem like a small amount, every penny and pound will count as we all feel the squeeze over the coming months and years.

Keep reading as we look at 8 of the most economical cars that can make driving more affordable.

Most economical electric cars

First and foremost, electric vehicles account for many of the most economical cars on the market. That’s because they’re exempt from road tax thanks to zero emissions, cheaper to run because of fewer moving parts, and cheaper to power with electricity costing less than diesel or petrol.

On the flipside, they’re obviously more expensive to buy. That’s where a car loan finance calculator can help, showing you how the cost can be spread. To make things even more economical, here are some of the cheapest models available…

Fiat 500 Action

Priced at around £21,000 brand new, the Fiat 500 Action is one of the cheapest electric cars available. That’s partly down to its smaller 24kWh battery (compared to 42 kWh on previous models). As a result, the range is a modest 118 miles, making it ideal for urban commutes, short trips and general day-to-day use as long as you have a home charger.

Vauxhall Corsa-e

If you’re looking for something that can go a little further, the Vauxhall Corsa-e is a good option. The supermini’s official range is 222 miles, with prices starting around £25,000 brand new. It’s nice and lightweight so the charge won’t be used up unnecessarily. Naturally, with both of these cars, there’s a lot of money to be saved going for a used, older model.

Most economical hybrid cars

If you’re not ready to be plugging in just yet, or maybe you live in a remote area where chargers aren’t readily available, hybrids offer a good alternative. They use regenerative braking to generate electricity while driving, meaning you can supplement fuel from the pump without any extra work.

Toyota Yaris (and Yaris Cross)

Toyota is leading the way when it comes to hybrid efficiency. Both its Yaris 1.5 Hybrid and Yaris Cross 1.5 Hybrid offer around 60mpg on average.

The standard Yaris is smaller and cheaper to buy, making it the most economical hybrid car that’s ideal for individuals, couples or small families. As a small SUV, the Yaris Cross provides all that, plus a little extra space and the sought-after SUV styling – albeit at a little extra cost.

Elsewhere, the Toyota Prius is another top contender. While it doesn’t quite match the Yaris for fuel-efficiency, it’s been around for much longer, meaning there are a greater choice of older, used vehicles at a cheaper price.

Most economical diesel cars

While cars that are powered solely by fuel burning can’t quite match the efficiency of electric and hybrid models, they’re still some of the most economical cars, thanks to their lower price tags. Of the two fuels, diesel is known for its better fuel economy – making the next two cars a pretty good option overall…

Peugeot 208

With a 1.5-litre BlueHDi diesel engine, the Peugeot 208 achieves around 70mpg. Despite being a relatively small car, its five-door design makes it easy enough for rear passengers to get in and out. Its 311 litres of boot space makes it similar to other small cars, with the option to fold down rear seats for a 1,100 litre total.

Vauxhall Corsa

A second mention for the much-loved Vauxhall Corsa – this time for its 1.5 Turbo D model rather than its electric counterpart. It’s almost a carbon copy of the Peugeot 208 with the tiniest difference in mpg and boot space. That said, it does have a more responsive drive, meaning you can go economical without feeling it on every corner.

Most economical petrol cars

Out of all the fuel options, petrol is typically the least efficient – but that doesn’t necessarily mean it’s not economical. There are plenty of petrol cars to choose from with small engines, which makes them cheaper to buy and run. By choosing a smaller petrol car, you can still get from A to B at a relatively low cost.

Peugeot 108

First on sale in 2014, the Peugeot 108 is the quintessential economical car. It has an official mpg of just under 59mpg, thanks to a modest 1-litre engine and small, lightweight design. That does pose some issues for practicality, with the car and its 180-litre boot more suited to people travelling alone or as a pair. However, if you’re looking to cut costs, it’s hard to go better than this reliable city car.

Citroen C1

Like our top diesel contenders, we have another case of two similar cars matching each other stride for stride. The Citroen C1 is another economical car powered by petrol, with the same mpg as Peugeot’s city car – though it does come with a slightly bigger boot.

Keep your car economical

With the cost of fuel at an all-time high, not to mention everything else rising in price, it’s never been more important to have a car that’s economical to run. Invariably, that means you’re better off with newer models that are more fuel-efficient.

With My Car Credit, you can make your purchase as economical as your up-to-date car. We compare finance from our established network of lenders, saving you time while ensuring you get an affordable deal that spreads the cost of your next car.

If you have any questions about our process, don’t hesitate to contact our team on enquiries@mycarcredit.co.uk and we’ll get back to you as soon as we can.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

What is the Best Small Car for Motorway Driving?

What are the Best Cars for Business Owners?

Top 9 Best Cars for London Driving

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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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 citroen economical Fiat peugeot toyota vauxhall

What’s the Cheapest Way to Finance a Car?

Car finance is an accessible way to purchase a vehicle. Whether you’re after a new or nearly new vehicle, there are various different kinds of car finance that can help you drive off into the sunset with minimal stress. In this post, we’ll explore them in a little more detail to determine the cheapest way to finance a car.

Financing a car – the cheapest options in the UK

Purchasing the vehicle itself is likely to be the steepest cost, but you should also consider other costs like running and maintenance fees, as well as any interest rates or other costs you may be required to pay. Here are the basics on each method of financing a car.

Cash

The cheapest way to finance a car is with one up-front payment. As a cash buyer, you’re able to fund the entire cost of the car immediately, meaning that you’ll own the vehicle outright. Being a cash buyer means you’re invulnerable to any interest rates, monthly loan repayments, or having to repay more on a finance agreement than the car is worth. You can also sell the car at any time.

However, you do have to be able to fork out what the car is worth in one go – which is a lot more than most individuals can afford. It also means you are entirely responsible for any servicing and maintenance costs.

Personal loans

Personal loan rates are nearing an all-time low, and are therefore the next cheapest way to finance a car after cash purchases. With personal loans – or unsecured loans – you’ll borrow a fixed sum which you’ll repay over a pre-determined amount of time (usually one to seven years) and will also pay interest at the same time.

If you have a good credit score, personal loans can be secured with relative ease, and by shopping around and comparing the APR, you can secure a competitive rate. You’ll be the legal owner of the vehicle, so can sell it whenever you want, but monthly repayments of a personal loan can be higher than with alternative car finance.

Finding the cheapest car finance

If neither of the above are viable options for you, there are alternative ways to get a car finance quote and secure a deal that suits you to save money. Be aware that you will likely receive better deals and cheaper monthly payments if you have a good credit score, but you can find a car finance company that will still accept you if your score is less than ideal.

Hire purchase agreements (HP)

If you’re struggling to get a cheap personal loan, a hire purchase agreement may be for you. You won’t own the vehicle until you’ve made the final repayment – the car is used as an asset against the loan. As such, if you fail to make your repayments, the lender has the right to repossess the vehicle. A hire purchase differs from other options in this way.

You’ll typically make a deposit of around 10% (although there are no-deposit options) and from then on, you’ll have a series of pre-determined monthly repayments. These can, depending on the agreement, be low monthly payments. If you want to own the car at the end of the term, you can opt to make a final payment in order to do so. Repayment terms are flexible, you’ll often be offered competitive fixed interest rates, there aren’t usually any mileage caps, and a Hire Purchase Agreement is easier to be approved for than other car finance.

Personal contract purchase (PCP)

PCP is another car finance option, but if you’re hunting for the cheapest way to finance a car, PCP might not suit. But if you’re a fan of chopping and changing vehicles, PCP is ideal.

PCP finance deals often have low deposits as well as flexible repayment terms with low monthly repayments. You can choose to own the car at the end of the finance term, in which case you’ll make one final balloon payment, or can hand the car back to the dealer.

Bear in mind that, although the monthly repayments for PCP can be lower than HP, you’ll often end up paying more overall. If you exceed a mileage cap or cause wear and tear, you’ll also have to cough up.

Personal contract hire (PCH)

PCH is a way of leasing the vehicle – it’s essentially a long-term rental. Servicing and maintenance fees are included, and there’s a mileage cap as well as an initial deposit. As such, PCH can work out cheaper overall than PCP, but it will usually cost more in monthly payments.

With PCH, you hand the car back to the dealer at the end of your finance term. Your repayments are fixed, but payment terms are flexible and you can generally change providers.

Find a cheap car finance deal that works for you

Searching the car finance market and securing affordable car finance can feel overwhelming – but it doesn’t have to be. My Car Credit has hundreds of helpful blogs and articles for you to browse through. We also have a large network of trusted lenders to help you find the cheapest way to finance a car for your requirements. Contact us on enquiries@mycarcredit.co.uk to get the ball rolling.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

What is the Best Small Car for Motorway Driving?

What are the Best Cars for Business Owners?

Top 9 Best Cars for London Driving

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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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 finance options cash cheapest hire purchase Jan24 pch PCP personal loan

Is 100k Miles a Lot for a Used Car?

If you’ve spotted a used car at a good price but with high mileage, you might be wondering ‘is 100k miles a lot for a used car?’ The answer to this will vary depending on several factors. Read on to learn more.

Is 100k miles too much for a used car?

There is no one answer as to what counts as too many miles on a used car. This will vary on the age and make of the vehicle. Firstly, you’ll need to put that 100k miles into the context of the car’s age. Average mileage on a vehicle will usually be in the range of 7,000-12,000 miles per year.

If the vehicle is only a few years old and already has 100k miles on the clock, it has seen a lot of usage and may be experiencing higher levels of wear and tear, which could quickly become costly through repairs. So, if we’re asking ‘is 100k miles a lot for a used car’ in relation to a newer vehicle, the answer could very well be, ‘yes’.

If the vehicle has been used for over 10 years, you are potentially getting a much better deal. 100k broken down over 15 years, for example, means the car has been driven less than 7,000 miles a year. However, a more modern vehicle also comes with its own technological advancements, so a 2018 car with 100k miles would potentially drive far better than a model from 2012.

Is a high mileage car worth buying?

Ultimately, you will need to research the different car models and how well they run after reaching 100k miles. If you have a specific car in your sights, you might want to ask about its service history and any accidents or issues from the previous owner.

The lower price and slower depreciation can make high mileage used cars attractive to drivers. A car that goes from 10,000 miles to 30,000 miles will depreciate more than one going from 100k to 120k, for example.

However, they come with many risks – including the lack of a valid warranty and the higher potential for wear and tear. They’re also less likely to be accepted for car financing. Whilst cars with mileage over 100k may be just right for some motorists, lower mileage vehicles come with a level of security that many drivers can’t ignore.

If you’re interested in financing an up-to-date low-mileage vehicle, why not get a car finance quote to get the ball rolling today?

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Evolution Funding Ltd T/A My Car Credit

What is the Best Small Car for Motorway Driving?

What are the Best Cars for Business Owners?

Top 9 Best Cars for London Driving

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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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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Are Second Hand Electric Cars Worth Buying?

From minimising your environmental footprint to eliminating petrol expenses, electric cars (EVs) offer some seriously good benefits. Purchasing new can be expensive, which leaves many Brits asking the question, “are second hand electric cars worth buying?”

Like any big purchase, it’s important to consider the pros and cons before signing on the dotted line. If you’re thinking about making the switch to electric, or you’re just interested in finding out more about the EV trend, this article is for you.

Read on as we cover everything you need to know about buying second-hand electric cars and whether they’re a good investment.

A nation of EV enthusiasts

Before we get stuck in it’s worth taking a moment to recognise just how popular EVs are becoming in the UK. The nation has wholeheartedly embraced eco-friendly vehicles, with the latest statistics revealing that while overall car sales slumped in 2021, the EV market experienced an impressive growth rate of 66% from 2019.

Around 175,000 new EVs were registered on British roads in 2021, with best-sellers like the Tesla Model 3 representing more than 25,000 individual sales.

In total, more than 700,000 plug-in vehicles were registered by British motorists in November 2021. This includes more than 350,000 fully battery-powered EVs and almost 350,000 plug-in hybrids. These figures put the UK on track to hit more than a million registered EVs by the end of 2022. A huge achievement!

There’s plenty to love about EVs but are second hand electric cars worth buying? Below, we spotlight some key factors to consider when making a decision:

Your lifestyle

Whether you buy new or used, it’s worth factoring in your lifestyle when deciding whether to make the switch to electric. EVs are a terrific concept and do offer “eco prestige” but for some motorists, they’re simply not convenient.

For example, access to off-road parking, so you can easily recharge your EV overnight, is desirable. Many second-hand EVs don’t offer the same rapid-charge technology as newer models, which makes off-road parking essential.

Similarly, if you’re driving long distances a second-hand EV may not offer the same impressive mileage as a newer model. That said, EV mileage is rapidly improving which means models from 2021 or 2020 may easily meet your needs.

Financial benefits

Even second-hand electric vehicles can be expensive, with Karolina Edwards-Smajda, Retailer & Consumer Product Director at Auto Trader describing the market as a “catch-22” in a recent interview with Car Magazine.

“When it comes to low-emission vehicles, the industry is facing a Catch-22 situation,” says Karolina. “The growing appetite of AFVs [alternative fuel vehicles] offer the industry a great opportunity for growth, but for mass adoption, the average price needs to be more accessible to more people. However, with so few vehicles in the market, even second-hand cars are being pushed out of financial reach for most consumers.”

Karolina makes a good point, but it’s important to remember that the cost of your purchase will be offset by several factors. These include:

Savings at the forecourt

Buy a fully battery-powered second-hand EV and you’ll eliminate petrol expenses from your life completely.

Clean air zones

Cities across the UK are introducing clean air zones designed to deter emissions-heavy vehicles and encourage the use of public transport and EVs. Driving a second-hand EV can be a savvy way to sidestep the costs associated with entering areas like Ultra Low Emission Zone (ULEZ) in London, which can cost you £12.50 per day if your car doesn’t meet ULEZ standards.

Lower registration costs

When it comes to vehicle registration costs, the Department for Transport offers big savings for EV drivers.

Budget is important, so don’t forget to do the maths and calculate how much you can afford to borrow before browsing. Our car loan APR estimator is designed to streamline the process and make it as easy as possible to crunch the numbers.

Skipping long wait times

The global semiconductor chip shortage has wreaked havoc on the car manufacturing industry and EVs are no exception. The average EV calls for hundreds, sometimes even thousands, of these tiny chips. As a result, supply can’t keep up with demand which means you could face wait times of more than a year when buying a new electric car. Buying a used EV is a clever way to skip the long wait times and get behind the wheel of an electric car ASAP.

The best second-hand EVs to buy

While demand is high and supply is low, there are still some great deals to be had when it comes to second-hand electric cars. If you take the time to shop around and back your search with help from an expert broker, you can drastically increase your chances of securing a good deal.

There are some exciting used models up for grabs in 2022, with some of our favourites listed below. All offer great value for money and excellent stats in terms of mileage and driver-friendly features:

Nissan Leaf
Tesla Model 3
BMW i3
Volkswagen eGolf
Tesla Model S
Jaguar i-Pace
Citroen C-Zero
Renault ZOE
Smart ForFour electric

The future of the EV market

Despite the semiconductor chip shortage that’s caused supply issues around the world, analysts predict a bright future for the EV market. In 2022, you can expect to see almost 50 new EV models launched by manufacturers, including a huge range of SUVs. Keep an eye out for models by leading manufacturers such as Tesla, Volkswagen, BMW, Audi, and Mercedes.

We’re also excited to see new offerings from companies like Lucid, Aiways, Fisker and Rivian. These high-voltage newcomers are set to shake up the market and challenge the dominance of EV giants such as Tesla and Nissan in the UK. This is great news for the second-hand market, with an influx of new models set to increase supply and bring prices down.

Financing your second-hand electric car

Ready to start your search for a second-hand EV? Whether you’re in the market for a zippy Nissan Leaf or a sleek Jaguar I-Pace, we’re here to help. Apply online without impacting your credit score or get in touch via email or phone 01246 458 810 to find out more about how our team of advisors can help you supercharge your search and secure the best deals on EV finance.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

What is the Best Small Car for Motorway Driving?

What are the Best Cars for Business Owners?

Top 9 Best Cars for London Driving

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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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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What to Look for When Buying a First Car?

Whether you’ve just turned 17 and are shopping for your first ride or are an older motorist looking to get behind the wheel, buying a first car is an exciting milestone. There’s lots to think about, which is why we’ve put together this comprehensive guide covering what to look for when buying a first car. From mileage and models to shopping around for finance, read on to find out more about what you should prioritise when buying your first set of wheels.

New vs second hand

Whether to purchase new and savour that ‘new car smell’ or unlock the savings that come with a second-hand vehicle is one of the first questions to ask yourself when considering what to look for when buying a first car.

Budget will likely be a big factor, with recent data from GoCompare revealing the average new driver spends around £5,000 on their first car. This suggests most new motorists opt for used models, which can be a great way to save money and stretch your budget further. While several factors have pushed up demand and prices for used cars over the past few years, the good news is analysts expect the market to cool off soon.

Mileage and wear and tear

If you’re thinking about the second-hand route, mileage will be a big factor when considering what to look for when buying a first car. The odometer paints an instant picture of how far the car has driven and what kind of life it’s had.

In the UK, the average motorist racks up around 10,000 miles per year. So, a two-year old car should have around 20,000 miles on the odometer to be considered average mileage. Anything more would push it into the high mileage category and anything less into the low mileage category.

Of course, maintenance and servicing play a big role in the overall condition of the car and the engine. Both are important variables to consider when making your list of what to look for when buying a first car. For example, while a three-year old car with 50,000 miles on the odometer may be considered high mileage, if it’s in immaculate condition and comes with a flawless servicing history it could be a fantastic deal.

Similarly, if you’re looking at a seven-year-old car with 40,000 miles on the odometer but the vehicle appears bruised, battered and has no servicing history to speak of, you may want to think twice about whether it’s a good deal.

New cars are always a tempting option, offering not just an ultra-fresh aroma but also reliability and peace of mind. Many new cars come with free servicing and warranties, which means you won’t have to think about forking out for these expenses for several years. Initially, the higher price tag of new cars may seem to push them out of your budget. But if you consider finance, a new car could be well within your reach as a new motorist. More on this later!

Petrol powered vs electric

If you’re thinking about a petrol or diesel-powered vehicle, emissions are worth considering as they can affect things like how much road tax you pay and even where you’re allowed to drive in some cities.

Electric vehicles (EVs) are the future of personal transport, with more than 400,000 pure-electric models humming along British roads in February of this year. With fuel prices soaring, EVs are more appealing than ever. Not only do EVs unlock huge savings on fuel but they also slash your environmental footprint and carbon emissions. If you’re an eco-warrior looking to tighten your budget, an EV could be a great option for your first car.

With both the national government and local councils continually upgrading EV charge networks across the country, it’s never been easier to drive an electric vehicle. Zap Map is a fantastic resource and makes it easy to find EV charge points at your fingertips. If you’re not fully sold on 100% electric, a plug-in hybrid (PHEV) could be a great compromise.

Opting for old favourites

When it comes to cars, British motorists are pretty clear about what they like. If you’re not sure what to look for when buying a first car, taking cues from other drivers can be a great place to start.

The small and zippy Ford Fiesta is consistently crowned one of the best-selling cars in the UK and it’s easy to see why. It’s compact and easy to drive in cities, effortlessly cruising along motorways and slipping into parallel parking spots. It’s also an excellent little ride in towns and villages where you might encounter winding roads and laneways. Alongside the Ford Fiesta are fellow bestselling models like MINI, Toyota Corolla and Hyundai Tucson. The latter is a great option if you’re looking for something a little roomier for kids, pets, or both!

A good finance deal

Whether to pay cash or take out a car finance loan is one of the biggest questions you’ll face when buying your first car. There are pros and cons to each and it’s important to consider your own unique circumstances when deciding.

The benefits of buying a new car with cash speak for themselves, with zero interest and no repayments to worry about. That said, it’s an unrealistic option for most new car buyers. This is where finance steps up. Purchasing a car on finance gives you the freedom to increase your budget and get the keys to a car you actually want to drive.

When researching what to look for when buying a first car, a good finance deal should be front of mind. Whether you’re buying new or used, shopping around is one of the most important steps you can take when buying your first car. It’s simpler than you might think, with our purpose-built calculator making it easy to get a car finance quote in a matter of minutes.

Want to know more about how auto finance can help you secure your first car? Get in touch with our friendly team today to discuss your options and find out more about the My Car Credit service.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

What is the Best Small Car for Motorway Driving?

What are the Best Cars for Business Owners?

Top 9 Best Cars for London Driving

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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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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Is a Diesel Car Worth Buying?

Diesel cars have fallen out of fashion. Once lauded for their lower CO2 emissions, lower road tax, and better fuel economy – diesel cars have an average of 20% better fuel economy than petrol vehicles – diesel cars comprised only 37.6% of total vehicles on Britain’s roads in 2020.

So, what’s the reason for this decline in popularity, and is a diesel car worth buying? This article considers the facts.

Why are diesel cars losing popularity?

In March 2021, the European Court of Justice ruled that the UK had failed to tackle air pollution in any systematic way. The Court has imposed a fine on the UK government, which has, in turn, responded with actions like the 2030 petrol ban.

From 2030, the Government’s petrol and diesel ban comes into place, meaning that any new vehicle powered by either petrol or diesel won’t be sold in the UK. After 2035, any new vehicle sold will need to be electric. Second-hand vehicles won’t be affected by the ban and will continue to be sold in showrooms.

Diesel engines are amongst the most polluting on the roads as a result of what’s called a DPF or Diesel Particulate Filter. This is inside the exhaust system and gets easily blocked when a diesel car is limited to short journeys, because the car remains too cool to burn off its particulates. It’s blocked DPFs that cause diesel cars to be incredibly polluting – and it’s not helped by the fact that DPFs are expensive to clean and to replace.

Are diesel cars worth buying?

Whether or not a diesel car is worth buying is entirely dependent on what kind of driver you are. Diesel cars still have a far better fuel economy than either petrol or hybrid models, provided you travel a high annual mileage (over 15,000 a year as an average) or regularly drive on motorways.

If your journeys are typically short, low-speed, or start-stop – for example, if you travel around urban centres frequently – then a diesel car is a less ideal vehicle. Your DPF is more likely to get blocked, which may mean an expensive repair job for you. You’re also more likely to be polluting with a diesel driven at lower speeds than either a petrol or hybrid.

If you do have a diesel car and drive for short distances at low speeds, then you should aim to make a long drive (over 40 miles, on a motorway) once a month to avoid the risk of your DPF blocking.

That said, because there’s a slump in interest for diesel cars, you can get some fantastic deals on new and second-hand models. These discounts are so significant that they may even offset the higher tax rate you’ll pay on a diesel model. Just ensure that you receive a full service history for any diesel model you’re considering – if the previous owner used the car for start-stop, low-speed journeys, then the DPF may need replacing, which will cost you a serious amount of money.

Will diesel cars be banned in the UK?

There is a risk that diesel vehicles will be banned in city and town centres in the coming years.

London already has the Ultra Low Emissions Zone (ULEZ) in place, which costs diesel cars registered before September 2015 and petrol cars registered before 2006 an extra £12.50 a day on top of the Congestion Charge. Further city and town centres such as Leeds, Oxford, Birmingham, and Greater Manchester, have plans to implement similar policies in the future.

Should you buy a diesel car in 2022?

Whether the purchase of a diesel car in 2022 is a good idea depends on your driving habits. If you have a high annual mileage and regularly travel at speed (that is, on motorways), then a diesel car will have an advantageous fuel economy. If you’re shopping around for a diesel vehicle, you’ll find great deals available as a result of their slump in popularity.

However, if you predominantly drive in city centres, take start-stop journeys, and have a lower average mileage, then a diesel car is likely not the best idea.

If you have concerns about whether a diesel car is right for you, you can contact My Car Credit’s team of specialists today. They can help you find a car loan quote for your diesel vehicle (or alternative fuel) and answer any questions that you may have.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

What is the Best Small Car for Motorway Driving?

What are the Best Cars for Business Owners?

Top 9 Best Cars for London Driving

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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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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Can I Buy a Car without a Log Book?

Dog in a car that was bought without a log book

A car’s logbook is also known as its V5C. It’s a red document that details information on the car, as well as specifying who is responsible for taxing and registering it. Although it’s both possible and legal to buy a car and have that car’s ownership transferred without a log book, we wouldn’t recommend doing so.

Why you should always buy a car with a log book

It’s possible that the person from whom you’re trying to purchase the vehicle has genuinely lost the logbook.

However, if they don’t have their log book, it could also indicate that the car is stolen or has finance still owed on it – typically, these will be logbook loans, where the vehicle’s owner used the logbook in order to secure a loan against it. You may consequently find yourself responsible for repaying this outstanding finance, despite having not owned the vehicle at the time the finance deal was established.

DVLA replacement log book service

The DVLA has announced a service for ordering a replacement log book, provided that no details on that log book – such as name or address – have changed. It costs £25, is delivered within five days, can be paid by credit or debit card, and the application process is online.

If you’ve found a vehicle that you want to purchase but the log book is missing, we recommend liaising with the seller to order a replacement log book. You can then carry out the deal as normal and follow standard protocol on advising the DVLA of transferred ownership.

Don’t forget that you can always check your eligibility for car finance with My Car Credit’s car finance checker. We’ll make your car finance journey smoother.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

What is the Best Small Car for Motorway Driving?

What are the Best Cars for Business Owners?

Top 9 Best Cars for London Driving

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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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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If you’re looking to get a new vehicle, there are many factors that will impact your final decision. One of the biggest considerations is choosing whether to purchase an automatic or manual vehicle.

Automatic vs. manual

Automatic vehicles – the benefits

Automatic vehicles – the drawbacks

Why are automatic cars more expensive?

Take the expense out of automatic cars

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More and more people are choosing an electric car on finance. With good reason too. The choice combines the benefits of electric cars on their own with the flexibility and convenience of ever-popular car finance.

1. Fuel costs

2. Running costs

3. Spread the cost

4. Get the latest model

5. And carry on doing so

6. Stay ahead of the curve

7. Don’t forget the environment

8. Improve your credit score

Start your electric car journey today

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With high inflation outstripping wage and benefit increases, the UK is going through a serious cost of living crisis. As a result, people are looking to cut costs in every area of their lives – and driving is no exception.

Most economical electric cars

Most economical hybrid cars

Most economical diesel cars

Most economical petrol cars

Keep your car economical

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With high inflation outstripping wage and benefit increases, the UK is going through a serious cost of living crisis. As a result, people are looking to cut costs in every area of their lives – and driving is no exception.

Most economical electric cars

Most economical hybrid cars

Most economical diesel cars

Most economical petrol cars

Keep your car economical

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Financing a car – the cheapest options in the UK

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If you’ve spotted a used car at a good price but with high mileage, you might be wondering ‘is 100k miles a lot for a used car?’ The answer to this will vary depending on several factors. Read on to learn more.

Is 100k miles too much for a used car?

Is a high mileage car worth buying?

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