Motoring Advice Archives

New UK Driving Laws You Need to Know for 2025

UK government legislation is always changing, which means UK driving laws and regulations are also regularly updated. It’s sensible to keep on top of new driving law changes in the UK for 2025. Failing to stay informed could lead to unexpected fines, points on your driver’s licence or even legal issues in the most serious cases. Below, we break down the new driving law changes in 2025 for UK drivers, keeping you confident on the roads.

New driving law changes for 2025

Electric cars to pay road tax from April 2025

From 1 April 2025, electric vehicles (EVs) will have to pay road tax – also known as Vehicle Excise Duty (VED) – rates for the first time.

All UK drivers will now need to pay an annual fee for having your vehicle on the road, even if it’s electric, zero- or low-emissions.

If you’re currently an EV driver, you’ll face different tax bands depending on the registration year of your vehicle:

EVs registered from 1 April 2025 onwards will pay the standard VED rate of £10 for the first year and £195 each year after that
EVs registered between 1 April 2017 and 31 March 2025 will pay the standard rate of £195 per year
EVs registered between 1 March 2001 and 31 March 2017 will pay £20 each year

The £10 annual discount for hybrid and ‘alternatively fuelled vehicles’ (AFVs) has also been removed.

If your EV is registered after 1 April 2025, you’ll also need to pay the Expensive Car Supplement – also known as the luxury car tax – if your car’s list price exceeds £40,000 when new.

Non-electric vehicle drivers will also face increases in VED from 1 April 2025.

You can pay your VED online.

Fuel duty freeze continues

Fuel duty is payable on petrol, diesel and other liquid fuels used to power vehicles.

The fuel duty freeze had been set to end in April 2025, but has since been extended. As such, fuel duty remains at 52.95 pence per litre until 22 March 2026.

All UK drivers will continue to benefit from this rate throughout 2025 until March 2026.

The fuel duty freeze is only guaranteed for this period. After this time, the government may choose to lift the freeze, which will increase the cost of petrol and diesel for everyday drivers.

Benefit in kind (BiK) is increasing for all vehicles

From April 2025, the Benefit in Kind (BiK) tax is increasing by 1% in each tax bracket for all vehicles, including petrol, diesel and electric.

The BiK applies to everyone who pays for a car through their company benefits scheme.

From 6 April 2025, electric vehicles must pay 3% BiK, which is an increase of 1% from last year.

Electric and hydrogen cars to pay full Congestion Charge from 25 December 2025

Electric vehicle drivers have previously been able to benefit from a Congestion Charge exemption.

However, from 25 December 2025, electric and hydrogen cars will need to pay the full Congestion Charge of £15.

Be aware that there’s no Congestion Charge between Christmas Day and New Year’s Day bank holiday. The charge resumes on 2 January, so in effect, electric and hydrogen cars will only start paying the full fee from 2 January 2026.

Car insurance groups replaced with Vehicle Risk Ratings system

An insurance group system has previously been used to determine the cost of your car insurance.

For cars registered before 1 August 2024, this system will remain in place. For cars registered after this time, a new Vehicle Risk Ratings system has been introduced.

This new ratings system will evaluate your car according to categories including performance, safety, security, damageability and repairability. These factors determine the car’s score in a range of 0 to 99. The higher the number, the more your vehicle will usually cost to insure.

As a driver, you don’t need to do anything – this new system won’t impact the insurance process for you.

Zero-emission vehicle mandate

Vehicle manufacturers must now meet a quota known as the zero-emission vehicle (ZEV) mandate set by the UK government.

This mandate requires that 28% of all car sales must now be zero-emission vehicles, increasing to 80% by 2030 and 100% by 2035.

Full hybrid and plug-in hybrid vehicles can continue to be sold until 2035. This is a softening of the 2030 petrol ban, which will prohibit the sale of all new petrol and diesel vehicles from 2030.

New ‘25’ and ‘75’ number plates are coming

A new tax year promises two new vehicle number plates.

From 1 March 2025, all newly registered vehicles will come with a ‘25’ plate. Vehicles newly registered from 1 September 2025 will have a ‘75’ plate.

AI road cameras trial ends

In July 2024, it was announced that ten police forces across the UK were trialling new AI road cameras to check for driving offences. The cameras promised to detect motorists who were using mobile phones or not wearing seatbelts using the technology.

As of March 2025, the trial has ended. The cameras’ success is currently under evaluation to determine whether the scheme should be rolled out across the UK.

More funding for electric vans

If you’re a van driver looking to switch to an electric vehicle, you could benefit from extra funding from March 2025. The government is promising an extra £120 million in grants to support businesses that buy certain electric vehicles.

Certain restrictions apply:

Small vans (less than 2,500 kilograms gross vehicle weight) can secure a maximum discount of £2,500
Large vans (between 2,500 and 4,250 kilograms gross vehicle weight) can secure a maximum discount of £5,000

How these law changes could affect you

It’s wise to be aware of new driving law changes in the UK for several reasons.

The first reason to stay abreast of changes to UK driving rules and regulations is financial. Unaware drivers may face an increased risk of fines or penalties.

Regularly checking your vehicle’s insurance, registration and compliance will reduce the likelihood of you being accidentally caught out and having to pay the price.

Staying road legal in 2025 and beyond

There are easy ways to stay on top of new driving law changes:

Subscribe to DVLA reminders for helpful, timely information
Use apps or tools to monitor your vehicle’s ULEZ and CAZ eligibility
Before you buy a car, do your due diligence and check its emissions and safety tech.
You should also take time to ensure your vehicle logbook (V5C) is in your name, as this will make paying your vehicle tax much easier
Take time to familiarise yourself with the driving rules and regulations of the area before you drive in a new city or region

Final thoughts on 2025 driving law changes

This year’s driving law changes are mostly in line with new policies and protocols around safety, environment and updated tech. For example, many of the changes to rules and regulations around electric vehicles reflect the British government’s effort to reach Net Zero by 2050.

The more informed you are about 2025’s new driving law changes, the less likely you are to face unwelcome fees or penalties.

Bookmark this page or share it with friends who drive regularly to ensure that your nearest and dearest are up to date with this year’s changes to UK motoring law.

Upgrade your car ahead of next year’s changes with My Car Credit

Get a jump on changes to UK driving laws in 2026 by upgrading your vehicle today with My Car Credit.

Explore our flexible car finance options and see what kind of rates and terms you could benefit from with our car finance calculator.

Alternatively, apply now using our online form, receive a no-obligation quote in mere minutes and kickstart the journey to your next vehicle today.

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Evolution Funding Ltd T/A My Car Credit

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

Car Tax Bands 2025: VED Road Tax Costs Explained

A new UK tax year brings changes to car tax, also known as Vehicle Excise Duty (VED). It’s a legal requirement in the UK to pay VED if you want to drive or store your car on the road. However, VED tax rates and banding are reviewed annually, and changes from April 2025 will impact both new and used car costs. These changes can make it confusing to know what you owe. This guide will break down the car tax bands for 2025 in clear, simple terms for all drivers.

What are car tax bands?

Your car or road tax (VED) is paid annually. For most vehicles, your car tax band is based on CO2 emissions.

As a general rule, the lower your vehicular emissions, the lower the cost of your car tax.

It’s important to know that there are different rules for petrol and diesel vehicles, as well as hybrids, EVs and older cars.

Knowing your car tax band for 2025 can help new buyers choose more cost-effective cars, and will ensure existing motorists know what they owe in tax.

You can find out the tax band for your car by checking the year of its registration. Refer to your vehicle’s V5C logbook to determine the date of first registration – you should find this on the first page of the logbook.

Once you’ve established the year of the vehicle’s first registration, you’ll be able to work out its tax band.

What’s changing with car tax in 2025?

On 1 April 2025, changes to car tax bands were introduced by the UK government.

Electric vehicles

The most significant changes apply to electric vehicles (EVs), which are no longer exempt from paying VED.

Depending on the registration year of your EV, you’ll face the following tax band:

EVs registered from 1 April 2025 onwards will pay the standard VED rate of £10 for the first year and £195 each year after that
EVs registered between 1 April 2017 and 31 March 2025 will pay £195 per year, which is the standard rate of VED for all motorists
EVs registered between 1 March 2001 and 31 March 2017 will pay £20 each year
Electric vans will now be charged £355 annual VED – the same rate as petrol and diesel vans

If your EV is registered after 1 April 2025, you’ll also need to pay the Expensive Car Supplement – also known as the luxury car tax – if your car costs more than £40,000 when new. This tax is £425 annually.

Other changes to UK car tax bands for 2025 include scrapping the £10 annual discount for hybrid and alternatively fuelled vehicles (AFVs).

First year of car tax (non-EVs)

Changes have also been implemented around the first year of car tax for brand-new petrol, hybrid and RDE2-compliant diesel vehicles. This is paid based on emissions, so it differs from the standard car tax rate.

For these vehicles, some of the changes to tax bands include:

All new cars emitting between 1-50g/km of CO2 – which includes most plug-in hybrids – will see their VED rise to £110. Previously, hybrids in this category have paid zero VED, and petrol and diesel cars have paid £10 VED.
All new cars emitting between 51-75g/km of CO1 will see their VED rise to £130. Previously, hybrids in this category have paid £20 VED, and petrol and diesel cars have paid £30.

You can use the government’s vehicle tax rates table to help you work out how much VED you owe.

Standard road tax rates

The standard road tax rate is what you pay annually to tax your vehicle from the second year of registration onwards, for all vehicles registered after 1 April 2017.

From 1 April 2025, the standard tax rate for all cars registered after 1 April 2017 is £195. Previously, this was £190 for petrol and diesel cars, with a £10 discount for hybrids, and EVs were exempt.

Road tax for cars registered between 1 March 2001 and 31 March 2017

Cars registered in this bracket of time are sorted into emissions-based bands for road tax every year – not the year the vehicle was first registered.

These bands have increased by between £5 to £25, or have remained the same.

The most significant change is for cars with a CO2 emission of 0-100g/km, which will now pay £20 per year where it was previously free.

Car tax bands for 2025: a quick guide

Below, we provide a table summarising the UK’s car tax bands (effective from 1 April 2025). This outlines the first-year VED rates and standard annual VED rates, based on CO2 emissions for non-EVs.

CO₂ Emissions (g/km)	First-Year Rate	Standard Annual Rate (from Year 2)
0	£10	£195
1–50	£110	£195
51–75	£130	£195
76–90	£270	£195
91–100	£350	£195
101–110	£390	£195
111–130	£440	£195
131–150	£540	£195
151–170	£1,360	£195
171–190	£2,190	£195
191–225	£3,300	£195
226–255	£4,680	£195
Over 255	£5,490	£195

EVs will face the following VED:

First-Year Rate: £10
Standard Annual Rate (from Year 2): £195
Expensive Car Supplement: £425 annually for five years if the EV’s list price exceeds £40,000

Hybrid and alternative fuel vehicles will face the following:

First-Year Rate: Same as petrol/diesel vehicles based on CO₂ emissions
Standard Annual Rate (from Year 2): £195
Expensive Car Supplement: £425 annually for five years if the vehicle’s list price exceeds £40,000

Car tax examples (petrol, diesel, EV)

Below, we provide three key examples of how the new car tax bands for 2025 will impact three popular types of vehicle:

Petrol Hatchback – Low Emissions

We’ve taken the Ford Fiesta 1.0 EcoBoost as our example of a small petrol car that emits around 110g/km of CO2.

Under the 2025 rules, this car will face a first-year tax cost of £390 based on its emissions. After that, the standard annual rate drops to £195 per year. Since the Fiesta’s list price is well under £40,000, there’s no extra ‘luxury car’ charge to worry about.

For small car drivers, these 2025 VED changes are relatively modest – but there are slightly higher first-year costs compared to previous rates.

Mid-Range SUV – High Emissions

This example applies to a diesel SUV like the Land Rover Discovery Sport, which emits around 190g/km of CO2.

These emissions place the Discovery in one of the highest tax bands for the first year — expect to pay £2,190 right off the bat, or more if the model doesn’t meet the latest RDE2 emissions standards.

From year two onwards, however, the standard rate levels out at £195 per year.

That said, because this model typically costs over £40,000, it will be subject to the Expensive Car Supplement — an additional £425 annually for five years (years 2–6).

This change to 2025 car tax bands means even more costs for SUV drivers, particularly those opting for high-spec or luxury trims.

Electric Vehicle – Registered After April 2025

We’ll use a Tesla Model Y registered after April 2025 in this example.

Unlike in previous years, you won’t benefit from zero road tax on this model. Instead, you’ll pay a first-year rate of £10, followed by £195 per year from year two.

The Tesla also exceeds the £40,000 threshold, so you’ll pay the £425 Expensive Car Supplement for five years.

These changes to 2025’s EV tax bands mark a major change from previous years, where EVs were completely exempt from VED and luxury surcharges.

How car tax affects your car buying journey

If you’re looking to finance a car, remember that VED is an extra cost you’ll need to plan for. If you own a vehicle, you’ll automatically receive a reminder from the DVLA before the tax is due. You can pay your VED online.

Choosing a lower-tax band vehicle could save you hundreds annually.

The changes to UK car tax bands for EVs might change your mind about financing one. If you’re still keen to own an EV, stay abreast of any future taxation changes in the coming years to ensure you remain legally compliant.

Final thoughts on new car tax bands 2025

Now you know the latest changes from April, for car tax bands for 2025, you can figure out what you owe which will help you budget better.

Whether you’re buying new or used, factoring car tax into your purchasing equation will help you avoid any surprise fees.

If you don’t own an electric vehicle, check your car’s CO2 emissions and its date of first registration. This should be detailed in your car’s logbook (V5C), and will help you calculate your car tax band.

At My Car Credit, we’ve got plenty of up-to-date advice on finding a car that’s suitable for your needs and circumstances, as well as a one-stop shop of quality, pre-approved nearly-new and used vehicles.

Use our car finance calculator to establish the kinds of deals you could benefit from today.

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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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Can You Fix Poor Credit?

Borrowing with poor credit can feel like an uphill battle, especially when it comes to car finance. If your credit score makes you cringe, or you’re tired of receiving those dreaded “unfortunately your request has been declined” responses to car finance applications, don’t throw in the towel just yet!

At My Car Credit, we believe everyone deserves the chance to drive their dream car, regardless of credit history. Can you fix poor credit and secure car finance? You bet! Keep reading for practical, hands-on tips on how to improve your credit score, win over lenders and accelerate towards car ownership.

Why credit scores matter

Unlike friends and family, lenders won’t take your word for it when it comes to borrowing. Instead, they use your credit score to decide how risky it is to lend you money. What is a credit score exactly? Your credit score is a number used to represent your status as a borrower. It’s influenced by factors like your payment history, the amount of debt you currently owe and how long you’ve been borrowing and repaying money.

Unsurprisingly, a good track record gets you a higher credit score. If you have a history of missed payments, high levels of debt or simply haven’t been borrowing and repaying loans for long, your score might take a hit and land you in the ‘poor credit’ category.

Steps to improve your credit score

It’s important to understand that credit scores are dynamic. This means they can go up or down, depending on your financial habits. So, in the same way that forgetting to pay a bill or maxing out a credit card drags down your score, there are also things you can do to fix poor credit and improve your score.

You might not see overnight results but with consistency and a strategic approach, you can drive positive change. Here’s how:

Check your credit report

Start by requesting a copy of your personal credit report from major agencies like Experian, Equifax or TransUnion. Simply enter a few personal details and they’ll send it right to you. Review the report for any errors that could be negatively impacting your score. Report mistakes immediately, even if they seem insignificant.

Pay your bills on time

Your payment history is one of the biggest markers used by agencies to assign credit scores, so it’s worth making it a habit to settle all your bills on time. Direct debits or reminders can help ensure you never miss a payment, and accidently put a dent in your credit score in the process.

Reduce outstanding debts

High levels of debt can tarnish your credit score and position you as a ‘high-risk’ borrower. Focus on paying down your debts, prioritising ones with high interest rates.

Use credit responsibly

Don’t let your credit card balances climb above 30% of your limit. This golden number shows lenders that you can use credit responsibly.

Avoid applying for new lines of credit

A hard search is logged on your credit report each time you apply for credit. Whether it’s a credit card, personal loan or mortgage application, these ‘hard’ checks can temporarily lower your score. For this reason, it’s best to avoid applying for new credit unless absolutely necessary.

How My Car Credit can help fix poor credit

At My Car Credit, we understand that life isn’t always straightforward. Financial hiccups happen to the best of us, whether it’s something small like forgetting to pay a phone bill or a bigger mishap like defaulting on a mortgage. That’s why we specialise in finance solutions designed to help applicants with less-than-perfect credit scores get the car they need.

Tailored finance solutions

Yes, we partner with high-street banks. But we also work with a wide network of trusted lenders who are willing to consider applicants with poor credit. This means you have a higher chance of getting approved for car finance, even if your credit score is lacking.

A simple and transparent process

The last thing you need when you’re trying to fix poor credit is more complications. That’s why we keep the process simple and straightforward. Online applications are quick and easy, and you’ll receive a decision in minutes. We’re sticklers for transparency, so there are no hidden fees or confusing terms to wrap your head around.

Support throughout your journey

We don’t just stop at getting you approved. Our dedicated customer service team is here to support you every step of the way. Whether you have questions about your finance agreement or need advice on how to fix poor credit, we’ve got your back.

Take the first step today

What’s our absolute top tip on how to fix poor credit? Start now! The sooner you take proactive steps to improve your credit score, the sooner it will start to creep up. Yes, repairing poor credit may seem daunting, but with the right approach, it’s entirely possible.

The bottom line on how to fix poor credit? Improving your score takes time. Stay consistent, seek help when needed and don’t forget to celebrate the small victories along the way. Whether you’re eyeing a peppy Ford Fiesta, family-friendly Hyundai Tucson or gleaming Audi A3, the keys to your dream car are within reach—and we’re here to help you get there.

Give our car finance calculator a try or visit our fix poor credit finance page to learn more about how we can help.

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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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Is Premium Diesel Worth It?

Choosing between regular and premium diesel can be a tough decision, especially when prices at the pumps seem to be continually on the rise. So, is premium diesel worth it? In this article we’ll unpack how the product compares to regular diesel and explore different scenarios where it is and isn’t worth paying more.

Diesel vs. regular petrol

Before we get stuck into the specifics of whether premium diesel is worth it, let’s take a moment to unpack the differences between diesel and petrol. For starters, diesel fuel is denser and packs in more energy per litre compared to petrol. The result? Diesel engines often achieve better fuel efficiency. This can make them a more cost-effective option for long-distance driving.

Take the 2024 Skoda Octavia Hatch for example, one of the most fuel-efficient diesel cars currently sold in the UK. It offers an impressive rating of 67.3mpg. The 2024 Volkswagen Golf isn’t far behind with 63.5mpg while the Mercedes-Benz C-Class delivers a remarkable 61.5mpg for its size.

Diesel engines also deliver more torque, also known as power. When it comes to accelerating, climbing steep hills and towing heavy loads, diesel engines generally outperform their petrol counterparts. As for emissions… While diesel has a bit of a dirty reputation, recent advances in engine technology have slashed carbon dioxide (CO2) and greenhouse gas (GHG) emissions.

Petrol engines are typically quieter and smoother, particularly in city traffic. They’re not as powerful as diesel engines but are usually cheaper and easier to maintain. From a running costs perspective, petrol cars cost less to fill as fuels like E10 (95 Octane), Premium Unleaded (95 RON) and Super Unleaded (97 / 98 RON) are usually cheaper than diesel.

What is premium diesel?

Now you’re up to speed on the differences between diesel and petrol, let’s take a closer look at where premium diesel sits in the equation. As the name suggests, the product is of higher calibre than regular diesel. It’s sometimes called ultra-low sulphur diesel (ULSD) and features added performance enhancers like detergents, lubricants and cetane improvers. These additives aim to boost performance, keep the engine clean, minimise wear and tear, and improve fuel efficiency.

Benefits of premium diesel

So, is premium diesel worth it? The answer all depends on your priorities, budget and the type of diesel car you’re looking to drive. Let’s take a closer look at some of the key benefits of premium diesel:

Enhanced engine performance

Premium diesel contains additives like cetane improvers, which supercharge the fuel combustion process. This helps the engine run smoother and more efficiently. Think faster acceleration, better responsiveness and a more enjoyable driving experience overall.

Enhanced fuel efficiency

Premium diesel does cost extra but enhanced efficiency helps counterbalance the cost. Detergents and lubricants help keep the engine clean and reduce friction, benefits that can improve fuel economy. Is premium diesel worth it for drivers covering long distances regularly? Probably, as the improved efficiency can translate into cost savings over time.

Reduced engine wear and tear

One of the top benefits of premium diesel is its ability to keep the engine cleaner. High-quality additives help prevent the build-up of deposits in the fuel injectors and other critical engine components. In the long run, this can increase the lifespan of the engine and minimise maintenance and repair costs.

Lower emissions

Is premium diesel worth it if you want to minimise emissions? Thanks to a cleaner combustion process, premium diesel fuels produce fewer harmful emissions compared to regular diesel. This is a big benefit if you want to reduce your carbon footprint without compromising on power or efficiency. Diesel hybrids from manufacturers like Mercedes, Audi, Volvo and BMW take things one step further with the efficiency and fuel economy of a diesel engine, combined with the environmental benefits of an electric motor.

Smoother cold starts

Chilly mornings are no match for premium diesel, which boasts excellent cold start performance. Additives help the engine start smoothly and quickly, even in cold temperatures. This is particularly beneficial in the UK, where winter temperatures can plunge well below 0°C and affect vehicle performance.

Potential for increased power

Premium diesel can provide an extra boost in power for high-performance vehicles. It’s all to do with the enhanced combustion process and cleaner fuel delivery system, which help to maximise the engine’s potential and unlock a more dynamic driving experience. For example, a high-performance model like the Audi S6, which can accelerate from 0-60mph in 5.0 seconds, would likely benefit from premium diesel. Smaller, zippier models like the Renault Clio? Not so much.

Is premium diesel worth it?

At the end of the day, the answer to whether premium diesel is worth it depends on your driving habits, vehicle and personal preferences. If you own a high-performance diesel vehicle like a Mercedes GLE 450D, the benefits of premium diesel may be more noticeable. Similarly, if you’re a regular motorway driver the additives in premium diesel can help maintain engine performance, especially in newer cars with advanced technology.

For older diesel vehicles, the benefits of premium fuel may be less noticeable. For example, if you drive an older Land Rover Discovery, standard diesel could be a more economical choice. The same goes for less powerful models like the Vauxhall Astra. It’s a great little car but there’s no need to splurge on premium diesel to enjoy it.

Enjoy the benefits of diesel with My Car Credit

At My Car Credit, we know that choosing the right fuel is just one element of car ownership. That’s why we’re committed to friendly, honest and hands-on customer service when it comes to helping our customers secure car finance. Whether you’re considering a reliable workhorse like the Volvo XC40 or a luxury model like the Range Rover Sport, we can help you secure flexible finance options for your dream diesel car.

Try our online finance calculator today or visit our only vehicle search tool and let us help you drive away in the latest diesel models that suit your lifestyle and budget to a tee.

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Evolution Funding Ltd T/A My Car Credit

What is a Balloon Payment on a Car Loan?

How Much Does Car Finance Cost? Check Now!

Will I Get Accepted for Car Finance?

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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What Are the Best Used Cars to Buy on Finance?

Buying a car is likely to be the second most expensive purchase you ever make. Owning a brand-new, state-of-the-art model has its appeal, but there are also plenty of used or nearly new cars that make for a more affordable, reliable choice.

Used car finance is a great way of getting behind the wheel of a new-to-you vehicle. From hire purchase to personal contract purchase, there are used car finance agreements for every kind of driver. The only challenge is choosing the right make and model for your needs.

Below, we list some of the best used cars to buy on finance.

Best 10 used cars to buy on finance

Volkswagen Golf

Reliable, versatile, comfortable, and not bad on the eyes – there’s a reason why the Volkswagen Golf consistently ranks as one of the best used cars to buy on finance.

It’s one of the better small family hatchbacks you can buy, equally capable of racking up motorway miles as it is zipping around cities. A superb all-rounder, VW Golfs are enjoyable to drive whilst offering excellent comfort. Plus, you’ll find used VW Golfs at highly affordable rates, despite the desirability of the VW badge.

You should be able to find VW Golfs with a range of different engines, but the diesels are likely to be more common.

Ford Fiesta

Another reliable used car option, the Ford Fiesta is great to drive and cheap to run – so it’s no surprise that it’s one of the UK’s most popular used cars.

You’ll find plenty of used Fiestas on the market, giving you great engine choices and competitive pricing. In fact, you’ll only find used Fiestas now – with production ending in 2023.

Handling is excellent and you’ll benefit from lots of safety kit, too. Enduringly popular, the Fiesta may not have the snazziest interiors, but for availability, consistency and affordability, it’s difficult to beat.

Skoda Citigo/Seat Mii/Volkswagen Up!

Technically three different makes and models, these cars are nonetheless virtually identical. They’re also some of the best used cars to buy on finance – particularly if you’re looking for a cheap but nifty city drive.

You’ll find plenty of 1-litre three-cylinder petrol engines on the market – they’ll be cheaper than the electric alternative. Although they’re not the most powerful or spacy, these vehicles are excellent if you’re looking for highly wallet-friendly drives to get you around urban environments. Alternatively, they’re also a great option for first-time drivers.

Vauxhall Insignia

What this car lacks in excitement it more than makes up for in value, space and efficiency.

A great family car, the Insignia is an ideal motorway cruiser, offering generous passenger space and comfort.

Petrol used models will be harder to find, but you’ll be able to take your pick between first- and second-generation models. The second-gen will have better styling and more contemporary tech features, but may be a little more expensive.

BMW 3 Series

For a mid-sized saloon or estate car that’s great to drive and has excellent fuel economy, it’s hard to argue with the BMW 3 series. Enduringly popular as a used car, the 3 series offers fantastic handling.

You’ll benefit from a great level of kit and swish features, as well as the driving experience you’d expect of a BMW. Models from 2015 onwards have an improved diesel engine.

Just be aware that servicing and maintenance fees will be a little higher compared to other cars on this list.

Kia Sportage

SUVs continue to be big hitters on the used car market, and the Kia Sportage is one of the more economical options you can choose.

Practical and good to drive, even the base models of the Kia Sportage are well-equipped, with plenty of modern features as standard. Plus, if the car is less than seven years old, you’ll benefit from Kia’s 7-year warranty, so you’ll be covered for any mechanical faults.

Mini Convertible

If a used convertible is your next drive, the Mini is the manufacturer to go for.

Fun but compact, the Mini brand has obvious appeal, and it’s certainly stylish. But practicality isn’t compromised – there are still four seats to make use of – and the interior is funky.

Admittedly it’s not the most practical car, with limited boot space, but it’s fun and you’ll get an equivalent drive to the Mini Hatchback but with the benefit of the wind in your hair.

Nissan Qashqai

A solid and successful family SUV, there’s a reason the Nissan Qashqai remains popular on the used car marketplace.

Practical, spacious and economical, the Qashqai is also quiet, comfortable and well-equipped. There’s plenty of safety kit and a good quality interior.

It may not be the most fun car to drive, nor is it the most reliable car on our list, but the Qashqai still has enduring appeal on the used car marketplace.

Vauxhall Astra

Vauxhall may not be as desirable as some other brands on this list. But for a car that’s highly affordable and well-equipped, the Astra is difficult to argue with.

You’ll find used 2021-onwards Vauxhall Astras on the market, meaning you’ll benefit from upgraded engines and tech. Based on driver reviews, the diesels can be a bit noisy, so stick to a petrol engine – you should find plenty around.

Skoda Kodiaq

Practical, flexible, affordable – the Kodiaq is a particularly popular used car for families.

You should find a good range of both petrol and diesel engines – the 2-litre diesel offers a particularly smooth ride and is the most economical option.

Great visibility and handling make for enjoyable driving, and there’s plenty of space both in front and back. Plus, the Kodiaq is notoriously reliable.

Find used car finance with My Car Credit

Once you’ve decided on the best used car to buy for your needs, the only hurdle is financing your purchase. That’s where My Car Credit can help, comparing deals from a large network of lenders to find the right deal for every driver. To get started, use our car finance calculator.

Rates from 9.9% APR. Representative APR 10.9%

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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

Jan24 list used cars

12 Best Used Cars for Families

Buying a brand-new car for your family has its appeal. But for many UK drivers, a state-of-the-art vehicle just isn’t affordable – particularly considering the immediate depreciation you’ll face once you drive off the forecourt!

What’s more, there are plenty of ‘new to you’ cars that offer superior safety, comfort and space for families without breaking the bank.

We’ve put together our list of the best used cars for families to make things easier.

The 12 best used cars for families

Skoda Octavia

Comfortable, reliable, enjoyable to drive, plenty of boot space and a wide range of engines for you to choose from – the Skoda Octavia is a solid choice for a used family car.

It’s more affordable than either the VW Golf or Audi A3, and is more spacious than the Seat Leon (all of which also feature on this list). The interior is spacious and practical, with great equipment coming as standard. Plus, it’s cheap to buy and run, and is excellent for long-distance journeys.

It may not be the most stylish vehicle around, but it’s got enough going for it that you’ll forget about that.

Dacia Duster

For one of the best used cars for families on a budget, the Dacia Duster is indisputable. You’ll get good passenger space and a sensible boot, plus extremely economical engines.

A boxy body, raised ground clearance and wide doors are ideal for kids piling in and out. Admittedly some of the base versions don’t offer much equipment, and the petrol engines can be thirsty, but the Duster is still one of the least expensive small family cars you can buy.

Ford Focus

Family friendly but still fun to drive, the Focus has something for everyone.

The cabin offers enough space to make up for the smaller-than-average boot, but the real appeal lies in its driving experience. Sharp, agile and with great handling and responsive engines, the Focus offers fun whilst retaining its fuel economy. Choose the 1-litre EcoBoost petrol engine for a drive that’s powerful enough for both the city and motorway without costing the world.

Seat Leon

There’s no arguing with this all-rounder.

Compared to most other small hatchbacks, the Leon has a bit more style without sacrificing affordability. The interiors aren’t quite as refined as some other contenders on the list, but it’s just as fun to drive as a Golf and is likely cheaper.

Engines are fuel-efficient, keeping running costs low, and there’s plenty of excellent safety equipment for families.

Vauxhall Astra or Insignia

The Astra is one of the more affordable options on our list, but it’s still spacious and well equipped enough to compete with the others. The ride is comfortable enough (with some variability at low speeds), with good handling, making it a solid choice.

Alternatively, the Vauxhall Insignia is another fantastic family option. Like the Astra, it’s not the most stylish car, but it’s difficult to argue with its value and efficiency. Plus, if you go for the Insignia Grand Sport, you’ll benefit from plenty of passenger space and a very respectable boot, as well as agile handling and sharper styling.

Audi A3

Classy, great to drive and with an excellent selection of engines, the Audi A3 is not the most affordable option, but it’s a desirable used family car.

It goes without saying the A3 is great to drive, but it’s also comfortable and practical. Newer versions have seriously high-tech features, but lower trims are a bit sparser. Choose from petrol and diesel engines – the petrol typically offers better fuel economy without compromising on power.

Volkswagen Golf or Polo

There’s not much between the VW Golf or Polo, so we’ve gone for a two-in-one listing of both.

Classy and comfortable, reliable and enjoyable to drive – VW delivers with both cars. The popularity of both Polos and Golfs speaks to their versatility and well-roundedness. They’re undoubtedly two of the better small family hatchbacks you can buy, and are surprisingly roomy, despite their small car status.

They’re not the cheapest on our list, but you’ll find plenty of both models on the used car market – diesel engines will be cheapest. Plus, provided you avoid the more basic engines, running both models is surprisingly affordable.

BMW 2 Series Active Tourer

It’s not one of BMW’s better-looking cars, we’ll admit, but it’s an excellent family tourer (as the name suggests).

In this BMW people carrier, you’ll comfortably seat five (the Gran Tourer seats seven), with a great interior and exemplary driving experience. Handling and responsiveness are excellent, and you get a great view of the road with a high driving position. A big boot and folding seats offer maximum versatility. Plus, it’s more affordable than other BMW models.

Peugeot 3008

With quiet engines, a comfortable ride and a panoramic roof that floods the interior with light (in some versions), the 3008 is not to be dismissed. A spacious boot and comfortable interior expands its appeal, too, as does the great driving experience.

You should find diesel, petrol and plug-in hybrid engines available – the latter is particularly good for short, stop-start journeys. If you need more space, size up with the 5008 model.

Skoda Karoq

Having won several awards over the years, the Karoq offers space, flexibility, great kit and VW-level engineering.

It’s not the flashiest car on this list, nor does it have the most exciting driving experience. But it’ll comfortably seat four tall adults if required, has a big boot and is nippy whilst offering good fuel economy.

Choose a model with the ‘varioflex seating’ design for maximum flexibility if you’re looking to pile in the kids, the dog, deckchairs, sporting equipment and more.

Find used car finance and an approved used vehicle with My Car Credit

The best used cars for families can give you everything you need with a little less cost. But you might still need help financing your vehicle rather than paying up-front. My Car Credit can help, finding you the right deal from a network of reliable lenders.

Try our free online calculator to get behind the wheel of a family-friendly nearly new car.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

PCP Term: Everything You Need to Know

What Is PCP Car Finance? A Simple Guide to Personal Contract Purchase

Can You Get Cars on HP with No Deposit?

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

Family Jan24 list

How to Clean Fabric & Leather Car Seats

A clean car interior isn’t just about vanity. It's about improving the comfort of your vehicle and retaining as much value as possible. A car is one of the biggest investments the average Brit makes, so it makes sense to keep your asset in the best possible nick. Plus, a car that’s spick and span makes every mile travelled more enjoyable, whether it’s the daily commute or a leisurely drive through the countryside.

The devil is in the detail when it comes to how to clean fabric car seats and leather upholstery, which is why we’ve put together a hands-on guide covering everything you need to know about maintaining both materials.

The benefits of cleaning your car seats

Whether you own a luxury SUV like the Porsche Cayenne or a family-friendly workhorse like the Dacia Jogger, clean seats are a cornerstone of car maintenance. Here’s why regularly cleaning your car seats matters:

Extend the lifespan of your interior

No matter how careful you are, car upholstery is subject to everyday wear and tear. Dirt, dust and spills can degrade both leather and fabric seats, while factors like pets and kids can supercharge the damage. Regular cleaning helps protect the materials and ultimately, extend the lifespan of your seats.

Maintain vehicle value

First impressions matter when it comes to selling cars. A well-maintained interior with clean seats can command a higher price on the market and make your vehicle more attractive to potential buyers.

Enhance the driving experience

No matter what model you drive, a clean interior makes your experience behind the wheel more enjoyable. From short drives to longer road trips, clean seats ensure your journey is a 10/10 every time.

Prevent health issues

Car seats can harbour allergens, mould, bacteria, viruses and other nasties, especially if food spills and moisture aren’t addressed. This can trigger everything from respiratory issues to skin irritations. A good cleaning routine helps improve air quality in your cabin and ensures your seats are free from contaminants.

Keep the ‘new car’ smell

That coveted ‘new car’ smell doesn’t have to fade over time! Properly cleaning your seats can help keep your car feeling fresh for longer.

Boost personal pride

A clean car instantly boosts the personal pride you have in your vehicle. It can even influence how others perceive you both professionally and personally.

Cleaning fabric car seats

Fabric seats are known for their durability and comfort but can be a magnet for dust and stains. Here’s how to clean fabric car seats like a pro in four easy steps:

1. Vacuum thoroughly

Start by vacuuming the seats to lift loose dirt, dust, crumbs and other debris. Use a soft brush attachment to protect the fabric, and don’t forget the crevices where dust accumulates.

2. Choose and test your cleaning solution

Next, it’s time to get stuck in with a good cleaning solution. Opt for a commercial car upholstery cleaner or make a DIY solution of warm water, a few drops of dish soap and some vinegar. Test the product on a small, inconspicuous area before applying. Once you’re sure it doesn’t cause any discolouration, you can proceed. Apply the cleaner using a spray bottle to avoid soaking the seats, which can slow down the drying process and lead to mildew.

3. Scrub gently

Using a soft-bristled brush, gently scrub the fabric to loosen any embedded dirt. Don’t scrub too hard, as this can damage the fibres and fast-track issues like fading and ripping.

4. Wipe and dry

The final wipe and dry is one of the most important steps to know when learning how to clean fabric car seats. After scrubbing, wipe the seats with a clean, damp microfiber cloth. This will remove any soap residue. Let the seats air-dry with the windows down to ensure no moisture is trapped inside the car.

Cleaning leather car seats

Leather seats add a touch of luxury to your vehicle but require careful handling to keep them in tip-top condition. Here’s how to clean leather seats in a car:

1. Vacuum first

As with fabric seats, start by vacuuming leather seats to remove any surface dirt or particles. Use a soft brush attachment to prevent scratches and make sure to get into the seams where crumbs and dirt can hide.

2. Clean with a suitable leather cleaner

Using a specialised cleaner helps maintain the integrity of natural materials like leather. Spray the cleaner onto a microfiber cloth rather than directly on the seats to avoid over-application. Then, wipe the seats gently to clean the surface, using a circular motion for tougher stains.

3. Condition the leather

After cleaning, apply a leather conditioner. This step is vital in how to clean leather seats in a car, as it helps keep the leather soft and prevents cracks, tears and damage from wear and tear. Apply the leather conditioner with a soft cloth, using circular motions to achieve even coverage and absorption.

4. Buff and dry

Finally, buff the seats with another clean microfibre cloth to bring out the shine and remove any excess conditioner. Let the leather dry completely, ideally out of direct sunlight. You should also steer clear of heat sources like hairdryers, which can cause the leather to fade and crack.

Tips for maintaining car seats

Whether your car features fabric or leather seats, these universal tips will help keep your interior looking sharp.

Regular maintenance: Clean your car seats regularly to avoid the buildup of grime and stains. For fabric, a monthly clean is advisable. Leather should be cleaned and conditioned every three months.

Immediate spot cleaning: Address spills and stains immediately to prevent them from setting in. Like with clothing, always blot stains first rather than rubbing them.

Avoid direct sunlight: Where possible, park your car in the shade or undercover to protect the interior from UV damage. Sun shields on the windscreen and side windows can also help.

Clean seats not only enhance the overall look and feel of your vehicle but also help maintain its market value and extend the life of its interior. Whether fabric or leather, a little care goes a long way in keeping your car’s interior pristine.

Refresh your ride with My Car Credit

You don’t need to drive an ultra-luxurious model to enjoy a well-appointed interior. From best-selling superminis like the Vauxhall Corsa to sporty saloons like the BMW 3 Series, My Car Credit helps UK drivers slide into the driver’s seat of their dream car.

Our car finance calculator makes it easy to work out what you can afford with estimated monthly payments.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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PCP: Is It Worth It?

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 maintenance cleaning driving tips Jan24 leather

Driving in the Rain: 10 Tips for Road Safety

Driving in the rain can be a challenge for even the most experienced motorists. In the UK, where wet weather is all too familiar, knowing how to navigate the roads safely during a downpour is essential. Whether you're facing a light drizzle in Durham or a torrential rainstorm in Ramsgate, these tips will help ensure you stay safe while driving in the rain.

Check your car

Before heading out in rainy weather, make sure your car is equipped to handle the conditions. Check that your tyres have enough tread depth to prevent aquaplaning – a scenario where water builds up under the tyre and causes loss of traction. Remember, your tyres are the only point of contact between the road and your car, so it’s critical to keep them in good condition.

The minimum tread depth for car tyres in the UK is 1.6mm. Anything less not only compromises your safety but puts you at risk of a £2,500 fine and three penalty points – for every tyre that doesn’t meet the minimum requirements. So, if all four tyres are subpar you could be hit with a £10,000 fine and potentially have your licence revoked. As well as tyres, ensure your headlights, taillights and windscreen wipers are all functioning properly to provide maximum visibility and safety when driving in the rain.

Turn on your headlights

In the UK, it’s required by law to turn on your headlights when visibility is seriously reduced. This generally kicks in when you can’t see for more than 100 metres, roughly 330 feet. Using your headlights helps you see the road more clearly and, crucially, makes you more visible to other motorists when driving during rain. Not sure if visibility is bad enough to warrant switching on your headlights? When in doubt, err on the side of caution and flick them on!

Maintain a safe stopping distance

When driving in rain, it’s important to increase the space between you and the vehicle in front. This gives you more time to react if the car ahead stops suddenly when driving in the rain. It’s advised to follow the six-second rule instead of the usual two-second rule to provide ample stopping distance on slick roads.

Slow down

Speed limits are designed for ideal conditions, and rain isn’t one of them. Reduce your speed to compensate for reduced traction and visibility. Slowing down also helps prevent aquaplaning as the tyres get more contact with the road when you drive slower.

Avoid heavy braking

Try to avoid sudden stops when driving in the rain. Use the gears to slow down if possible, or gently apply the brakes early to signal to drivers behind you that you’re slowing down. Braking suddenly can lead to skidding, especially on wet roads. Results can be even more dangerous in icy conditions.

Be wary of standing water

Driving through standing water can cause hydroplaning and potential loss of control. If you encounter standing water and can’t safely avoid it, drive through it slowly and steadily. Maintain a firm, two-handed grip on the wheel and avoid making sudden steering manoeuvres.

Use air conditioning to defog

Rain doesn’t just compromise visibility outside your car. Moisture can cause your car’s windows to fog up from the inside and make it difficult to see clearly. To prevent this, use your car’s air conditioning to defog the windows and maintain visibility. The A/C helps remove excess moisture from the air inside your car and keep the windows clear while driving in the rain.

Plan your travel

If heavy rain is forecast, plan your travel accordingly. Avoid starting your journey until it clears up if possible. If you can’t avoid driving during rain, allow extra time for your journey and plan routes that avoid areas prone to flooding.

Be cautious of freezing rain

During colder months it’s worth checking the forecast for the chance of freezing rain, which can create a thin, almost invisible layer of ice on the road known. This slick layer is called black ice and is extremely slippery, not to mention dangerous as it’s hard to detect until you are already on it. If the temperature is near freezing and it’s raining, drive as if you’re on ice – slow, cautious and with no sudden turns or stops.

Research road conditions

Use traffic apps or listen to local radio stations for real-time updates on road conditions when driving during rain. Up-to-the-minute information can be invaluable, especially in wet weather when road conditions can change rapidly. Being forewarned about potential hazards can allow you to take proactive measures, such as rerouting your trip to avoid affected areas. As well as helping you stay safe, a proactive approach to road conditions can help minimise delays and ensure a stress-free journey.

Drive with confidence with My Car Credit

Driving in the rain can be challenging but with the right mindset and a good understanding of how to minimise the risks, it doesn’t have to be a nerve-wracking experience. Remember, good preparation, adjusting your driving style to suit the weather conditions and being aware of your surroundings are key to maintaining road safety during rain.

A sturdy vehicle also helps, which is where My Car Credit comes in. From tough-as-nails models like the Land Rover Defender, Jeep Compass and Toyota Highlander to urban runners like the Volkswagen Golf, Mini Cooper and Fiat Panda, a reliable vehicle can make all the difference when driving during rain. Our expert team can help secure you a deal on car finance so you can drive with confidence, whatever the British weather throws at you.

Considering an upgrade? Use our car finance calculator to see what’s affordable for you.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

How Does Auto Finance Work?

Advantages of Cars on PCP with No Deposit

What to Do If You Can’t Pay Car Finance Because of COVID-19

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 maintenance driving tips Jan24 rain tyre maintenance

How to Remove Ice from Your Windshield Safely

If you’re in a hurry on a cold morning, it can be frustrating having to wait for your car windshield to defrost. Quick fixes may seem appealing, but they may end up causing more damage to your vehicle in the long term.

Here’s how to safely remove ice from your windshield.

How to remove ice from your windshield safely – 3 steps

1. Direct warm air at your windshield

Turn your car’s engine on and direct the warm air blower towards your windshield from the inside. Do the same for the rear window.

You can use the aircon feature – it will help to remove moisture from the air.
Stay with your car when your engine is on so to prevent risk of theft.
Never use your hands to wipe your windshield glass – you’ll only leave smears.
You can use a soft chamois sponge to clean your windshield without leaving marks.

2. Remove the snow or ice from your windshield

Use an ice scraper, rubber squeegee or soft bristle brush to gently remove the snow or ice from your windshield.

You can do this whilst your car’s engine is running.
If you don’t have any of these things, you can slosh warm water over your windshield.
Never use boiling water, as this will crack the glass. Do not use salt or salt water to melt the ice on your windshield, either.
If you have rubbing alcohol at home, you can combine this with water in a spray bottle to make a DIY de-icer mix.
Don’t use items like a credit card to de-scrape ice, either. You may damage the glass.

3. Drive off when the glass is clear

Only start driving once you have full visibility. Anything less than this will compromise your safety as well as putting other road users at risk.

Upgrade to a winter-ready vehicle with My Car Credit

While a newer vehicle can’t prevent ice on your windshield, the upgraded heating system can make it quicker to remove as well as keeping you more comfortable when the temperatures drop.

Check your car finance eligibility and upgrade to a safe, secure new car for winter today.

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I want to buy a car on finance, how much can I borrow?

Check for car finance without affecting your credit score

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

frozen ice warm windscreen winter

How to Keep Your Car Warm in Winter

Cold weather will negatively impact your car’s battery. As such, it’s sensible to keep your car warm in winter, so that you can avoid the chaos that comes when your car’s ignition just won’t start. Here’s how…

How to keep your car warm in winter

Cover it up

Use a windshield cover, waterproof or outdoor car cover, or blanket to cover your car up whenever you’re not driving it. The cover will help to reduce the amount of heat lost from the car, keeping the battery a little warmer.

Park in a garage

If you have access to a garage, it’s sensible to park your car there during the winter – especially if you’re leaving the vehicle for long stretches of time. Even if the garage isn’t heated, it’ll nonetheless keep the car warmer than it would be outside.

If you don’t have garage access, try parking your vehicle so that it’s out of the worst of the wind. Alternatively, choose a sunny spot, as the extra rays can help to boost the vehicle’s temperature.

Use a block heater

Warming the engine up before driving it can help to reduce risk of damage from starting it cold. A block heater will do this for you. It can also help to prevent the engine coolant from gelling, which then delivers heat more effectively to the radiator.

You could also invest in a battery pad heater or battery thermal wrap, both of which are designed to guard against the worst impact of the cold.

Finance a car to keep you going through winter

If it’s time to upgrade your drive, determine your car finance eligibility with My Car Credit. We can help you get behind the wheel of a vehicle with modern technologies, keeping you safe through the cold months.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

What to Do If You Can’t Pay Car Finance Because of COVID-19

Am I eligible for car finance?

8 Benefits of Getting an Electric Car on Finance

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

battery garage heater warm winter

New driving law changes for 2025

Electric cars to pay road tax from April 2025

Fuel duty freeze continues

Benefit in kind (BiK) is increasing for all vehicles

Electric and hydrogen cars to pay full Congestion Charge from 25 December 2025

Car insurance groups replaced with Vehicle Risk Ratings system

Zero-emission vehicle mandate

New ‘25’ and ‘75’ number plates are coming

AI road cameras trial ends

More funding for electric vans

How these law changes could affect you

Staying road legal in 2025 and beyond

Final thoughts on 2025 driving law changes

Upgrade your car ahead of next year’s changes with My Car Credit

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What are car tax bands?

What’s changing with car tax in 2025?

Electric vehicles

First year of car tax (non-EVs)

Standard road tax rates

Road tax for cars registered between 1 March 2001 and 31 March 2017

Car tax bands for 2025: a quick guide

Car tax examples (petrol, diesel, EV)

Petrol Hatchback – Low Emissions

Mid-Range SUV – High Emissions

Electric Vehicle – Registered After April 2025

How car tax affects your car buying journey

Final thoughts on new car tax bands 2025

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Why credit scores matter

Steps to improve your credit score

Check your credit report

Pay your bills on time

Reduce outstanding debts

Use credit responsibly

Avoid applying for new lines of credit

How My Car Credit can help fix poor credit

Tailored finance solutions

A simple and transparent process

Support throughout your journey

Take the first step today

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Diesel vs. regular petrol

What is premium diesel?

Benefits of premium diesel

Enhanced engine performance

Enhanced fuel efficiency

Reduced engine wear and tear

Lower emissions

Smoother cold starts

Potential for increased power

Is premium diesel worth it?

Enjoy the benefits of diesel with My Car Credit

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