car buying Archives - My Car Credit

Exploring the Best Car Finance Options for Poor Credit

There’s no getting around it. Securing car finance with a low credit score can be frustrating. Almost as frustrating as tracking down a reasonably priced coffee in London or riding the Central Line at rush hour.

Our best advice? Pare back your expectations and consider buying a used car. Not only are second-hand vehicles easier on the wallet but they potentially come with lower credit score requirements due to costing less than a brand-new version of the same vehicle…

Struggling with poor credit? Plenty of Brits are in the same boat. In fact, around 20% of British adults have a poor credit score. The secret to getting around it is to understand how credit scores work and why yours is lacking.
We’ve got your back with this easy-to-read guide.

How is poor credit affecting your car finance?

Credit scores are a bit like school reports. They tell lenders how reliable you are with money. How bad does your score have to be to fall into the “poor” category?
What’s considered “poor” can vary between credit agencies:

Experian: Anything below 720 out of 999 is seen as poor.
Equifax: A score under 380 out of 700 lands you in the poor category.
TransUnion: Scores below 565 out of 710 are considered poor.

Having a score in these ranges can make lenders cautious. What does this mean for borrowers? Higher interest rates and rejections. It’s more common than you might think. The latest figures from the Money and Pensions Service (MaPS) reveal that one in five UK adults are declined for credit.

It’s a high percentage, but don’t let it discourage you. Whether you’re worried about the outcome of an application or have already been denied, understanding where you stand is the first step to getting around car finance with a low credit score.

Unpacking a poor credit score

There are a few reasons why your score might be in the doldrums. Maybe you missed a few payments, defaulted on a loan, or you’re just carrying a bit too much debt. Whatever the reason, poor credit can make getting car finance a bit trickier.

But don’t give up just yet. With the right preparation, you can still find a way to make your car finance and credit score work. Lenders will want to know you’re capable of making those monthly payments, so having your financial ducks in a row is a great place to start.

Assessing your car finance situation

Before you start shopping for a new-to-you car it’s time for a quick reality check. Ignorance isn’t bliss. Knowing your credit score is essential. You can check it online for free to get an idea of what you’re up against.

Next, take a good look at your finances. Ask yourself:

What’s your income like?
What are your locked-in monthly expenses?
What debts are you juggling?

These questions will help you figure out what you can realistically afford. car finance calculator is a great tool to help you find that sweet spot. Crunch your numbers so you’re not left with more month at the end of your money.

What can you expect from your poor credit car finance?

Higher interest rates, bigger deposits and shorter loan terms are common symptoms of poor credit. The good news? With the right strategy, you can secure the best deals for car finance with a low credit score , just like these customers did:

“Helped me all the way. So easy to do. And I’ve got a bad credit score. So it’s possible to get it through these guys. Really pleased with the help and support.” – Carl

“Very easy and quick to have me in my new car and considering I have bad credit they managed to find me a good deal. Very happy customer.” – Thomas Dudley

Improving your application

Use these tips to give your car finance and credit score application the best possible chance:
Start by saving for a bigger deposit. It shows you’re serious and can reduce the amount you need to borrow.

Next, gather proof of a steady income. Payslips, bank statements – whatever it takes to show you’re on solid ground.
Don’t go for the flashy sports car if your budget is more sensible saloon. Look for something affordable, reliable and within your means.
Got a story behind your poor credit? Maybe you lost your job or had unexpected expenses. Tell the lender. They might be more understanding than you think.

Avoiding predatory lenders

It’s easy to feel like you’ve got a target on your back when you’re looking for car finance with a low credit score. Some lenders out there specifically target individuals with low income and bad credit sare as bent as a nine-bob note, so watch out for red flags. Here are some common ones:

A lender promises guaranteed approval without looking at your finances
You’re seeing sky-high interest rates
They push you to sign paperwork quickly without giving you time to read the terms.
There are hidden fees or charges that weren’t clearly explained.
They discourage you from asking questions or getting a second opinion.

How to recognise fair vs. exploitative terms

Knowing the difference between fair and exploitative terms is a must. Fair terms are transparent and clearly state interest rates, fees and repayment conditions. There are no sneaky clauses or hidden charges. Lenders will encourage you to ask questions and take your time before signing anything.

Exploitative terms are often cloaked in jargon. Look out for excessive fees or penalties for late payments, along with aggressive sales tactics to pressure you into a quick decision.

Protect yourself and always read the fine print to make sure you understand what you’re signing up for. A reputable lender broker like My Car Credit will be transparent and supportive, not confusing and pushy.

See how our poor credit car finance can support you

At My Car Credit, we get that life doesn’t always go to plan. We’re here to help you match up your car finance and credit score, with no hidden fees or nasty surprises. Just honest advice and a straightforward signup process.

Give us a call on 01246 458 810 to find out more or email us at enquiries@mycarcredit.co.uk to see how we can help you get where you want to be – behind the wheel! You can get the ball rolling, without it impacting your credit score*, by submitting an initial application.

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

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

Small Splendour: What’s the Best Luxury Hatchback?

Who says you need a huge SUV or a spacious saloon to enjoy a bit of luxury on the road? If you’re after a car that’s big on style but small enough to zip around tight city streets or squeeze down narrow country lanes, you’ll love our roundup of the best luxury hatchback models. Loaded with high-end features, these little gems prove that good things really do come in small packages.

Mini Cooper S

When it comes to luxury hatchbacks, the Mini Cooper S is as British as a cuppa. The iconic design is just the beginning. Behind the wheel, you’ll enjoy nimble handling and an extraordinarily good turning circle that’s perfect for city driving.

Worried about power? Don’t be fooled by its compact size. The Mini Cooper S packs a punch with a 2-litre four-cylinder engine that delivers plenty of oomph on the open road.

The stylish cabin is what makes the Mini Cooper S one of the best luxury hatchback models. Expect premium materials, a slick infotainment system and retro touches to make you feel like you’re driving a piece of British motoring history.

Mercedes-Benz A-Class

The Mercedes-Benz A-Class is exactly as the brand promises – a “benchmark for modern luxury in the compact class”. It’s got all the elegance you’d expect from the iconic German brand, but with the practicality of a hatchback.

The sleek, aerodynamic design looks just as good parked outside a fancy restaurant as it does in your driveway. Inside is a dual-screen setup with a digital instrument cluster and large infotainment display, both controlled by Mercedes’ state-of-the-art MBUX system. It’s as high-tech as it gets.

Power isn’t an issue thanks to a range of engine options, including petrol, diesel and hybrid options.

Accelerate from 0 to 62 mph in 7.4 seconds
Up to 215 hp output
Top speed of 140 mph

BMW 1 Series

The BMW 1 Series delivers the brand’s trademark driving experience in a more compact package. Sporty performance is front and centre – and it all starts with the rear-wheel-drive setup. The unique configuration means the driving experience is far more dynamic than many other hatchbacks in its class.

The cabin is both luxurious and driver-focused, with designers championing high-quality materials, intuitive controls and of course, BMW’s iDrive infotainment system.

Lexus CT

Luxury meets low emissions in the Lexus CT. This is one of the best luxury hatchback hybrids and features a serene cabin crafted with butter-soft NuLuxe pleather. Under the hood is a hybrid powertrain that delivers impressive fuel economy without compromising on performance. If you’re looking for a hatchback that’s big on power but gentle on the environment the CT meets the brief.

Finance your luxury hatchback

From the iconic Mini Cooper S to the sporty BMW 1 Series, luxury hatchbacks prove that you don’t need a Chelsea tractor to enjoy a premium driving experience.

Want to know more about luxury car finance for the best luxury hatchback models? Try our free Car finance Calculator today and get on the road to your next luxury hatchback.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Decadent Driving: 7 of the Most Luxurious Cars

Power Up: 5 Types of Hybrid Cars

Best Cars to Learn to Drive In

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

car buying car finance Hatchback Jan24 luxury nearly new used car

Decadent Driving: 7 of the Most Luxurious Cars

French champagne, business class flights, summers in the Med… there’s a certain je ne sais quoi about splurging on the finer things in life. Cars are no exception. For some people, driving is simply about getting from point A to point B. And there’s nothing wrong with that. But for a certain type of motorist, getting behind the wheel is about the experience. This is where the most luxurious cars can turn the simple act of driving into something special.

Whether you’re genuinely in the market for a luxury vehicle or simply want to indulge in a bit of daydreaming, the cars we’ve handpicked below make a serious statement when it comes to decadent driving.

1. Rolls-Royce Phantom

Legendary maverick. Icon of inimitable perfection. Exquisitely crafted.

No, we’re not talking about David Beckham. These are the terms used by Rolls-Royce to describe the Phantom, one of the most luxurious cars of all time. Funnily enough, Becks was once the proud owner of a Rolls-Royce Phantom Drophead Coupe, which is practically built for summers in the British countryside or the south of France.

The Top Gear boys gush over the Phantom, claiming “nothing in life is perfect, but the Phantom gets close” and calling it “an imperious, impeccably engineered automotive experience.”

The interior is handcrafted with the finest materials money can buy and feels more like Soho House or the Shoreditch Arts Club than a car cabin. We’re talking:

Lambswool floor mats
A starlight headliner with thousands of fibre-optic lights
Rear coach doors

Whether you’re attending a black-tie event in Central London or planning a weekend getaway in the Cotswolds, the Phantom guarantees you’ll get there in style.

2. Bentley Continental GT Speed

Buckle up because the Bentley Continental GT Speed promises phenomenal power.

The model uses an Ultra-Performance Hybrid Powertrain to combine the muscle of a V8 engine with a torque boost from the electric motor. The result? Astronomical performance.

Accelerate from 0-60 mph in just 3.1 seconds
Hair-raising top speed of 208 mph
1,000 Nm (738 lb ft) of torque

With this kind of power under the hood, you’ll be tempted to plan a road trip to the Autobahn…

3. Mercedes-Benz S-Class Saloon

Mercedes-Benz sets a benchmark for the most luxurious cars and the S-Class Saloon takes this status to new heights. Cocoon yourself in comfort with features like:

Massaging seats for on-road bliss
Ambient lighting
Advanced air purification system

A vivid 12.8-inch OLED touchscreen is the crux of the car’s MBUX infotainment system. The S-Class is also equipped with the latest in driver assistance technology, making it not only one of the most luxurious cars on the road, but also one of the safest. Even better, the model is now available with a mild hybrid engine which wins it points with eco-conscious motorists.

4. Aston Martin DBS

The name’s Bond. James Bond.

If it’s good enough for 007, it deserves a place in our countdown of the most luxurious cars. The Aston Martin DBS was Bond’s car of choice in Casino Royale and is a discerning choice for motorists who crave luxury, performance and a dash of star power. It’s no longer manufactured new in the UK, but you will find some swoon-worthy models on the used market.

Prefer to buy new? Try the Vantage Coupe, a car “hardwired with the ability to get your heart racing”.

Hand-stitched Bridge of Weir hide upholstery
Carbon fibre accents
Crystal-clear Bowers & Wilkins sound system

5. Range Rover SV

Designed and built in the UK, the Range Rover SV is the ultimate statement for patriotic drivers. The model recently received a glow-up that focussed on making the car even more luxurious. Craftsmanship is front and centre to help achieve the brand’s mantra of “luxury you can touch as well as see.”

Sink into plush leather seats
Run your fingertips over glossy white ceramic controls
Experience the state-of-the-art Pivi Pro infotainment system

6. Porsche Panamera

The four-seat Porsche Panamera redefines what a luxury saloon can be. It marries the exhilarating performance of a sports car with the comfort of a high-end executive vehicle and yes, it’s a pleasure to drive. Thrilling acceleration isn’t the only highlight. The interior is pure Porsche and features a driver-focused layout, premium materials and the latest technology.

Four-zone automatic climate control
Adaptive sport seats
Ambient lighting to match your mood

It’s this combination of performance and practicality that makes the Panamera a standout in the most luxurious cars market.

7. Lexus LS

The Lexus LS is proof that the Japanese know a thing or two about luxury. The high-end saloon combines exquisite craftsmanship with the very best in modern technology. If we had one word to describe the interior, it would be serene.

Shiatsu massage seats
Customisable climate concierge that adjusts the temperature and airflow based on your preferences
Hand-pleated door trims
Kiriko glass accents bringing a touch of Japanese artistry to the interior

Drive in style with My Car Credit

Driving one of the most luxurious cars doesn’t have to be a dream. At My Car Credit we’re here to help you get behind the wheel of your dream car with tailored finance for luxury vehicles.

Don’t quite have the budget for a Rolls-Royce Phantom or Aston Martin DBS? Let’s be honest, most people don’t. But that doesn’t mean you have to compromise on luxury. If you’re looking for something that feels just as extravagant but won’t give you serious sticker shock, models like the Audi Q7, Tesla Model S and BMW 7 Series are some of our top picks.

Try our Car Finance Calculator to find out more about how we can help elevate your driving experience.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Small Splendour: What’s the Best Luxury Hatchback?

Power Up: 5 Types of Hybrid Cars

Best Cars to Learn to Drive In

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

Aston martin Bentley car buying Jan24 Lexus luxury Mercedes-Benz porsche Range Rover Rolls Royce

Power Up: 5 Types of Hybrid Cars

Hybrid cars are quickly becoming the top choice for Brits who want to combine performance with planet-friendly transport. And let’s be honest, savings at the pump are a huge bonus. But with so many types of hybrid cars to choose from, how do you know which one’s for you?

Keep reading for a rundown of the different types of hybrid cars available in the UK and what each one brings to the table.

What is a hybrid car?

Let’s start with the basics. A hybrid car isn’t just another vehicle on the road. It has a dual personality and combines a traditional combustion petrol engine with an electric motor.

Hybrids can run on the petrol engine alone, the electric motor alone or a combination of both. This versatility is what makes hybrids so appealing. For example, a hybrid will draw on electric power when you’re nipping out to the shops and kick into petrol-powered mode for longer trips.

Now let’s get more specific about the different types of hybrid cars:

1. Mild Hybrid (MHEV)

Mild hybrids are an entry-level option and feature a small electric motor that gives the petrol engine a bit of extra muscle. They won’t run on electric power alone, but they do a great job at improving fuel economy, especially in start-stop traffic. This makes MHEVs terrific little city commuters.

Top pick: Ford Puma EcoBoost Hybrid

Of all the MHEVs available in the UK the Ford Puma is a firm favourite. This nifty mild hybrid SUV pairs a 48-volt battery with a 1.0-litre EcoBoost engine to keep you moving along while using less fuel.

Athletic silhouette
Driver focused technology
Smart interior styling
Megabox for extra boot storage

2. Full Hybrid (HEV)

Step things up a notch with a full hybrid. These cars can run on just the petrol engine, just the electric motor or both at the same time. They’re good for city driving as the electric motor takes over completely at low speeds to slash your fuel use and emissions.

Top pick: Kia Sportage Hybrid Electric

Spacious and modern, the Kia Sportage Hybrid Electric is a top-selling HEV. Infotainment is a highlight, with a pair of huge 12.3-inch displays used to run the company’s industry-leading tech suite. Enjoy Android Auto, Apple CarPlay and sat-nav as standard.

6 turbocharged petrol engine
All wheel drive or 2WD
6-speed automatic transmission
Plucky 1.49 kWh battery

Looking for something a bit more upmarket? The Hyundai Tucson is comparable to the Kia Sportage but comes with a slightly higher starting price. Of course, that buys you some nice extras like Hyundai Digital Key technology so you can lock and unlock the car with your smartphone.

3. Plug-in Hybrid (PHEV)

PHEVs are one of the best types of hybrid cars if you want more electric range but don’t want to commit to an EV. With a bigger battery that can be charged externally, they offer extended electric-only driving and mean you can say goodbye to range anxiety. When the battery runs low, the petrol engine steps in to keep you rolling.

Top pick: Mitsubishi Outlander PHEV

The Mitsubishi Outlander PHEV gives you serious options. Unlock up to 28 miles of electric-only driving and use the petrol engine when you need to go further.

Combined range of over 400 miles

Whether you’re running urban errands or planning a long-distance road trip, the Outlander is up for the task. Craving adventure? High ground clearance and a spacious boot make the Outlander terrific for mud-splattered adventures.

4. Range-Extended Hybrid

Not quite ready to go full electric? A Range-Extended Hybrid could be the answer. These cars have a larger battery and a small petrol engine that acts as a generator when power is running low. It’s a clever way to reap the benefits of electric driving without the worry of running out of juice.

Top pick: Mazda MX-30 R-EV

With a classy silhouette, fun handling and outstanding range, it’s no wonder the Mazda MX-30 R-EV was voted Best Plug-In Hybrid of the Year at the 2024 What Car? Awards.

53 miles of pure electric range
More than 400 miles of combined range

What makes the Mazda MX-30 R-EV one of the best types of hybrid cars? Under the hood is a lightweight Rotary engine that acts as an onboard generator to recharge the battery when it runs low—the perfect compromise for motorists who want to go green without sacrificing range or convenience.

5. Hybrid SUV

Hybrid SUVs are brilliant if you need something with a bit more space and power but don’t want to drive a gas guzzler. The result? A car that’s perfect for everyday errands, longer trips and even a bit of off-roading.

Top Pick: Volvo XC90 T8

The Volvo XC90 T8 is a top pick for those who want luxury, space and eco-friendly driving in one package. With up to 31 miles of electric-only range and a total power output of 407 horsepower, it’s as gutsy as it is green.

The interior is Scandinavian to a T – clean lines, high-quality materials and

Finance a hybrid with My Car Credit

Whatever your motivation, whether it’s to save on fuel, do your bit for the environment or enjoy a whisper-quiet ride, there are types of hybrid cars out there for everyone. At My Car Credit, we’re here to help you find your perfect match with tailored car finance solutions for best-selling hybrids like the BMW 330e, Mercedes-Benz C 300 e, Kia Sorento, Dacia Jogger, Honda Civic, Skoda Octavia Estate and Toyota C-HR.

Thinking about going full electric? We can help with that too with finance for models like the Tesla Model 3 and Volkswagen ID 7. Use our car finance calculator to get started and find out more about how we can help make your next car a little kinder to the planet and your wallet.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Small Splendour: What’s the Best Luxury Hatchback?

Decadent Driving: 7 of the Most Luxurious Cars

Best Cars to Learn to Drive In

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

car buying electric Ford HEV Hybrid Jan24 Kia mazda MHEV Mitsubishi Outlander PHEV puma sportage volvo

Best Cars to Learn to Drive In

From clutch control and parallel parking to basic road rules and motorway etiquette, there’s a lot to learn when getting behind the wheel for the first time. A good teacher is a must but what many young motorists don’t realise is that the car can also have a big impact on your driving experience. That’s why we’ve put together a roundup of the best cars to learn to drive in.

Whether you’re a brand-new driver or a parent on the search for the best cars for teenagers, this guide spotlights vehicles that are easy to handle, reliable and affordable – a winning trifecta in our opinion! We’ve included new models for 2024 as well as popular used options. And yes, you’ll see both manual and automatic cars on the list.

1. Ford Fiesta

New Price: £19,000 – £23,000
Used Price: £5,000 – £10,000

When it comes to staying power it’s hard to beat the Ford Fiesta. It’s a firm favourite among learner drivers in the UK, and for good reason. As well as being compact and easy to manoeuvre, it’s packed with best-in-class safety features. This is exactly what you want when you’re learning to drive.

2. Volkswagen Polo

New Price: £20,000 – £24,000
Used Price: £6,000 – £12,000

The Volkswagen Polo is hands down one of the best cars to learn to drive in. Known for its quality construction and reliable engine, the Polo promises comfort and safety. The well-designed interior boasts intuitive controls while the car’s compact size makes navigating city streets a breeze. Like the Ford Fiesta, the Volkswagen Polo is available in both manual and automatic, offering lots of flexibility for learners.

3. Toyota Yaris

New Price: £21,000 – £25,000
Used Price: £7,000 – £13,000

Looking for a learner-friendly hybrid? The Toyota Yaris is a great pick for eco-conscious new drivers. Its compact size delivers excellent fuel economy while a suite of safety features, including automatic emergency braking, offer peace of mind for learner drivers (and their teachers riding shotgun!).

4. Kia Picanto

New Price: £13,000 – £17,000
Used Price: £4,000 – £8,000

Built for urban driving, the Kia Picanto is a terrific budget-friendly option for beginners. It’s one of the more affordable cars to learn to drive in but certainly doesn’t skimp on quality or performance.

5. Hyundai i10

New Price: £15,000 – £18,000
Used Price: £4,000 – £9,000

The Hyundai i10 is a small car that offers big value. It’s affordable, easy to drive and comes with all kinds of optional extras. Think alloy wheels, LED daytime running lights, smart key technology, heated front seats, privacy glass and more. Talk about luxury for less! The compact size and easy-to-handle steering make it a breeze to drive and park – a big plus for learners who might be nervous behind the wheel.

6. Vauxhall Corsa

New Price: £18,000 – £22,000
Used Price: £5,000 – £10,000

With low running costs and responsive handling, it’s easy to see why the Vauxhall Corsa is one of the best cars to learn to drive in. The model is available in both manual and automatic, with newer versions built with petrol, hybrid or fully electric engines. Modern tech features like touchscreen infotainment systems make it easy to run Google Maps, crank Dua Lipa and stay connected on the go.

7. Renault Clio

New Price: £19,000 – £23,000
Used Price: £5,000 – £10,000

This much-loved French supermini is a stylish choice for new drivers. The high-quality interior feels luxurious and efficient engines keep running costs low. It’s also surprisingly spacious for a small car.

8. Mini Hatchback

New Price: £22,000 – £28,000
Used Price: £6,000 – £12,000

If it’s good enough for Kate Moss, it’s good enough for learner drivers! The Mini Hatchback is a British icon and perfect if you want to inject a bit of fun into your driving lessons. Agile handling is just the beginning… The car has a premium feel and despite its compact size, feels quite spacious inside.

9. Fiat 500

New Price: £16,000 – £20,000
Used Price: £4,000 – £8,000

What’s not to love about a little Italian flair when you’re learning to drive? Going strong since 1957, the model is widely considered the first ‘city car’ and set a new benchmark for compact design. New generation models are fun to customise, but you’ll also find great deals on the used market.

10. Honda Jazz

New Price: £21,000 – £25,000
Used Price: £6,000 – £12,000

A little bigger than some of the options on this list of the best cars to learn to drive in, the Honda Jazz promises space and versatility. A high driving position promises excellent visibility and helps boost the confidence of new drivers.

Why these cars are ideal for learning to drive?

Easy to handle and manoeuvre

The last thing you need when learning to drive is a car that’s tough to handle. All the models mentioned above are known for their easy manoeuvrability, making them ideal for newbies who are still building their confidence behind the wheel.

Great safety features

New drivers benefit enormously from cars with modern safety features. From automatic emergency braking and lane departure warnings to multiple airbags, the cars in our roundup all perform exceptionally when it comes to safety.

Affordable

Even new, the cars mentioned above offer unbeatable value for money. And let’s face it, affordability is a big priority for most new drivers. Even better, all models boast lower running costs, another plus for budget-conscious learners.

Learn in style with My Car Credit

Whether you opt for a brand-new set of wheels or a reliable used model, the right car can significantly enhance the learning experience for new drivers. The key to finding the best cars to learn to drive in? Picking a vehicle that offers a good balance of safety, affordability and ease of use. When you’ve settled on a favourite, My Car Credit is here to help you secure the keys with car finance advice for young drivers.

Try our car finance calculator and see how My Car Credit can get you into the driver’s seat.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Small Splendour: What’s the Best Luxury Hatchback?

Decadent Driving: 7 of the Most Luxurious Cars

Power Up: 5 Types of Hybrid Cars

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

budget car buying car finance Jan24 nearly new used car

How Much Does a First Car Cost?

Buying your first car is exciting and it’s easy to get carried away with dreams of a luxury Land Rover, tech-packed Tesla or flashy convertible. That is until reality hits. For most young motorists, budget is a major factor when shopping for a first car. That’s why we’ve dedicated an entire post to breaking down what to expect for your first car cost.

The cost of new cars in the UK

Like any other commodity, the cost of new cars can vary enormously. Price will depend on things like the make, model and features of the car. On average, a new small car in the UK costs between £20,000 to £25,000. However, this figure climbs drastically for new cars in general, which are priced at more than £40,000 on average.

For obvious reasons, compact and fuel-efficient cars are usually the best bet for young drivers. Here are some popular new models:

Ford Fiesta – A longstanding favourite in the UK, the Ford Fiesta is zippy, reliable and excellent on fuel. New models start at around £19,000.

Volkswagen Polo – Quality construction and a focus on comfort make the VW Polo a great first car. Expect to pay around £20,000 for a new model.

Toyota Yaris – Hybrid versions of the Toyota Yaris start at about £21,000.

Kia Picanto – A budget-friendly option for new drivers, the Kia Picanto starts at around £13,000.

The cost of a used car

Buying second-hand is one of the best ways to save money when shopping for your first car. The average Brit spends just under £17,000 on a used car, but there are plenty of listings out there for much less. Here are some popular used models:

Ford Fiesta – Used versions of this zippy little bestseller can range from £5,000 to £10,000, depending on age and condition.

Volkswagen Polo – Expect to pay between £6,000 and £12,000 for a used VW Polo.

Vauxhall Corsa – Another popular choice for young drivers, used Corsas range from £5,000 to £10,000.

Fiat 500 – This stylish city car can be snapped up for between £4,000 and £8,000 if you’re happy to go pre-owned.

Extra costs to consider

Don’t forget, purchase price isn’t the only cost to factor in when budgeting for your first car. Here are some additional costs you’ll need to consider:

Insurance

Young drivers often face higher insurance premiums as they’re less experienced. On average, car insurance for a new driver can cost around £1,200 per year.

Road tax

The cost of road tax varies depending on the car’s emissions. Expect to pay between £100 and £150 annually for most small cars.

Fuel

Your fuel spend will depend on how much you drive and the fuel efficiency of the car. For reference, the average British motorist spends around £1,200 on fuel per year.

Maintenance and repairs

It’s best to set aside cash for expenses like regular servicing as well as unexpected repairs.

MOT

If your car is more than three years old, you’ll need to pay for an annual MOT test. Budget around £50 for this expense.

Unlock savings with My Car Credit

The best way to stretch your budget further? Partnering with an experienced broker. At My Car Credit, we pride ourselves on securing the best finance deals for young drivers, leaving you with more cash in your pocket.

Check out our handy online car finance calculator and start your journey to your first car today.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Small Splendour: What’s the Best Luxury Hatchback?

Decadent Driving: 7 of the Most Luxurious Cars

Power Up: 5 Types of Hybrid Cars

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

budget car buying car finance first car Jan24 nearly new used car

6 Advantages of Buying a Used Car

Buying a car is one of the biggest purchases you’re ever going to make. In fact, after a house, a car is the second highest expense most people face. As such, many drivers just don’t have the upfront cash to finance a new set of wheels.

In this article, we break down ways to establish your new car budget. We’ll also outline factors to consider when budgeting for a new, nearly new, or used car.

How much of your income should you spend on a new car?

As a general rule, you shouldn’t be spending more than 10-15% of your take-home pay on a new car budget, and the total expenses of your car shouldn’t be more than 20% of your take-home pay.

You can use a salary calculator to establish your take-home pay.

Factors to consider when working out your new car budget

There are a number of factors which will impact the budget you’ll have to spend on a new car.

Fuel

The MPG (miles per gallon) of a car is worth evaluating – particularly if you’re going to be using it for long journeys. Consider whether a diesel or petrol engine is best for you. Alternatively, if you’re going electric, note how long the car takes to charge up and what its total range is.

Road tax and insurance

The road tax and insurance of a vehicle varies significantly between different makes and models.

Car insurance is a legal requirement, and likely to be your biggest running expense – particularly if you’re a young driver. The road tax of your car can also be a sizeable outlay.

Maintenance and service fees

Servicing and maintenance of a car are a vital way to keep the vehicle in proper working order. But they can also be expensive, especially if unexpected accidents occur.

There are a range of different resources you can check to ascertain the reliability of a car, including Auto Express magazine’s 2020 Driver Power survey and the Which? car survey.

Make and model

We all love that new car smell. But can you afford a brand-new make and model given the depreciation that will automatically occur when you drive off the forecourt?

Alternatively, if you’re part-exchanging your vehicle for another, how much value has it held? How well does the new vehicle you’re eyeing up hold its value?

How to establish a new car budget with finance

Car finance is a great way of funding the purchase of a new or ‘new to you’ vehicle. With car finance, you break down the cost of the vehicle into affordable monthly repayments, plus interest.

There are different car finance agreements available, making it a highly flexible, accessible, and affordable way of purchasing your next set of wheels.

You can use My Car Credit’s car finance calculator to work out your new car budget. We’ll ask you to provide details like the loan amount and repayment term that would best suit you, as well as your credit rating. From there, you’ll receive a no-obligation quote for car finance in mere minutes. This quote will break down your expected monthly payments, as well as the typical rate and total payable. If you’re happy with what you see, you can apply instantly.

The process is all conducted online, and it’s simple and hassle-free. We’ve got the largest panel of lenders out of any broker in the UK, meaning you’ve got the best chance of finding a deal that works for your budget.

Once you’ve kickstarted your application, you’ll then be able to shop around for your next new, nearly new, or used set of wheels. You’ll know exactly how much you’ve got to spend, putting you in the driving seat of your search.

What’s more, we’ve even got used car finance for drivers looking to finance a ‘new to you’ vehicle. Fast and fair, we welcome all circumstances and can help you to get behind the wheel of a safe, secure second-hand car.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Small Splendour: What’s the Best Luxury Hatchback?

Decadent Driving: 7 of the Most Luxurious Cars

Power Up: 5 Types of Hybrid Cars

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

budget car buying car finance Jan24 nearly new used car

6 Advantages of Buying a Used Car

Whether you need a vehicle for work or to get your family around, there are any number of reasons why owning a car can be essential. But it can also be expensive – which is why buying a used car has its benefits. Read on to find out more.

Advantages of buying a used car

Cost savings

Used cars are less expensive than brand-new, state-of-the-art models.

By opting for a ‘new for you’ vehicle, you can end up saving yourself thousands of pounds. What’s more, by saving on the initial outlay, you may even be able to afford a better model. You can therefore benefit from improved technology and features without shelling out serious cash.

If you’re a first-time driver, a used car also offers a more wallet-friendly way to get on the road.

Plus, with a used car, you don’t have to worry about depreciation – it will retain its value more effectively during your ownership.

Finance flexibility

There are plenty of used car finance options for ‘new to you’ vehicles.

Used car loans are a great option for those who want low monthly repayments and have an excellent credit score. Plus, you’ll benefit from lower interest rates compared to new car loans.

Alternatively, used PCP and HP are both flexible, affordable used car finance agreements.

Proven reliability

It’s a myth that used cars are less reliable than brand-new vehicles.

In fact, a nearly new or used vehicle is more likely to have a proven track record of reliability and durability.

You can always research the reliability of a make and model online – look for ratings, user reviews and maintenance history. By choosing a car that’s known for its reliability, you’re more likely to experience a dependable drive for the long term.

Lower insurance rates

As a general rule, the older the vehicle, the lower the insurance rates.

There’ll be different factors that impact the insurance rate. That said, you’ll typically save more money on insurance premiums over the lifespan of a used vehicle than a new model.

More variety

The used car marketplace is big, meaning that you have plenty of car brands, makes and models to choose from.

This gives you plenty of opportunity to research and shop around for the exact used car that meets your needs and circumstances. A wider selection improves competitive pricing and increases your likelihood of finding a reliable car with an excellent track record.

Factory warranties

Factory warranties are getting longer and are increasingly easy to transfer from owner to owner.

You may therefore be able to pick up a vehicle that’s only a few years old and still covered under warranty. This can give you peace of mind and take the risk out of choosing a used car over a brand-new vehicle.

Finance your used car with My Car Credit

If you want to unlock the advantages of buying a used car, My Car Credit can help. We help drivers find used car finance by comparing deals from a large network of trusted lenders. Secure an agreement that works for you by trying our online finance calculator.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Small Splendour: What’s the Best Luxury Hatchback?

Decadent Driving: 7 of the Most Luxurious Cars

Power Up: 5 Types of Hybrid Cars

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

car buying car finance Jan24 nearly new used car

How Long Does It Take to Pay Off a Car?

Man in grey suit looking at his watch to check the time

One of the most common questions British motorists ask when purchasing a new set of wheels is, “How long does it take to pay off a car?” The answer varies depending on multiple factors, including the type of car loan you choose and your personal financial circumstances.

Whether you’re in the market for a city-friendly Fiat 500 to tackle the daily commute or a spacious Hyundai Tucson for weekend getaways, knowing how long you’ll be making payments is an essential part of managing your budget and planning a good financial roadmap.

The basics of car loan terms

Let’s start by unpacking car loan terms and how they work. In the UK, car loan terms typically range from one to seven years. The length of the term will impact not only the duration of your payments but also the amount you pay each month and the total interest accumulated.

Short-term loans

Choosing a shorter loan term, such as one to three years, means you’ll face higher monthly payments, but you’ll pay less interest overall. This can be a smart choice if you can handle the larger monthly payments without putting pressure on your other financial commitments.

Long-term loans

On the other hand, a longer term will reduce your monthly payments but increase the amount of interest paid over the life of the loan. This can make monthly budgets more manageable but may cost more in the long run. How long does it take to pay off a car with a long loan? In general, loans that span between five and seven years are considered long.

Where do most Brits stand? The average car loan in the UK for new vehicles is 72 months (six years). Loans for used cars are slightly shorter and sit at around 67 months (over five years).

Deciding how quickly to pay off your car loan

How long does it take to pay off a car in the UK? Your financial situation plays a key role in determining how fast you can pay off your car loan. Consider these factors when deciding on your loan term:

Monthly budget

Carefully crunch your numbers and decide what you can afford to pay each month. Ensure this amount doesn’t stretch your finances too thin. You want to make sure you can comfortably handle your car payments while allowing room for other essentials and savings.

Financial goals

Think about your financial priorities when calculating how long it takes to pay off a car. Are you looking to clear all debts as quickly as possible, or do you need to keep your monthly expenses low to accommodate other financial commitments? This will help determine whether a shorter or longer repayment period is right for you.

Strategies to pay off your car loan faster

If your goal is to pay off your car loan early, here are some tried-and-tested strategies:

Top up your payments

If your lender allows, making voluntary overpayments can shorten the term and reduce the total interest paid over the life of the loan. Unexpected income streams such as bonuses or tax refunds can be a good place to start. Remember, even small extra payments can make a big difference when it comes to how long it takes to pay off a car.

Refinance your loan

Refinancing if interest rates have fallen or if your credit score has improved since you took out your loan can be an option. Switching to a lower rate or shorter term can help you pay off your car faster.

What if I struggle with payments?

If you find yourself struggling to keep up with car payments, don’t remain silent. Instead, reach out to your lender and chat to them about your financial difficulties. They may be able to adjust your repayment plan or extend the loan term to make it more manageable.

Find the perfect timeline with My Car Credit

All borrowers are different, which is why, at My Car Credit, a one-size-fits-all approach to loans doesn’t cut it. Instead, we carefully assess all applicants before matching them with a loan or lender. This means you can navigate your auto finance journey with confidence and pay off your loan according to your own timeline. Whether the road ahead is long or short, we’re here to help you reach your financial destination.

Your next dream car is closer than you think. Try out car finance calculator to get a breakdown of your expected monthly payments, typical rate and total payable.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Small Splendour: What’s the Best Luxury Hatchback?

Decadent Driving: 7 of the Most Luxurious Cars

Power Up: 5 Types of Hybrid Cars

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

budget car buying car finance car loan Jan24 long-term same day success

How Quickly Can You Buy a Car?

Silver car driving through a city at night

You’ve got your eye on a new set of wheels and the excitement is real. But just how quickly can you buy a car and turn that dream into reality? Sooner than you might think! Read on for the scoop on how to secure the keys to a new vehicle in record time.

The need for speed: buy a car in a flash

We get it – buying a new car is exciting and waiting weeks to secure finance isn’t ideal. After all, instant gratification is the name of the game these days. This is where a car finance broker can help. As experts in the field, they step in to turbocharge the car-buying process and get your application approved in a flash.

The thrill of same-day car finance

So, exactly how quickly can you buy a car? With the help of an experienced broker, you can secure the keys the same day. Even better, the process is surprisingly simple. Let’s take a closer look at what to expect:

Complete a quick and easy online application to receive an accurate finance rate without affecting your credit score. Forms take just minutes to fill out and rates are based on the unique information you provide. Make sure you choose a broker that starts the process with a soft search, which has no impact on your credit file. Keep in mind that if you proceed further than this step, some lenders may run a hard search to verify your information, which will leave a mark on your file.
After your initial application is complete, it’s time to chat about the specifics of your loan. You’ll need to decide what type of agreement you want to take out. For example, Hire Purchase (HP), Personal Contract Purchase (PCP) or Personal Contract Hire (PCH). It’s worth seeking help from an expert at this stage as navigating the world of car finance can be confusing for some motorists.
Next, choose your dream car from a reputable dealer. This is the fun part! Whether you’re eyeing up a brand-new Nissan Qashqai or looking to snag savings on a used Volkswagen Polo, your options are wide open with car finance.
When you’ve chosen a vehicle the broker steps in and take care of the paperwork. After you’ve signed the necessary documents, funds are usually transferred the next working day and you’re ready to hit the road in your new ride!

Preparation is key: how to speed up the process

While same-day car finance is certainly achievable, preparation is key. To expedite the process and ensure the fastest possible outcome, it’s crucial to have all your paperwork and documents in order. From proof of identity to income verification, having everything ready to go can make all the difference when it comes to speeding up the car-buying journey.

Hit the accelerator with My Car Credit

At My Car Credit, we appreciate how keen our customers are to get behind the wheel. That’s why our team of experts is here to provide guidance and support every step of the way. Whether you have questions about the application process or need assistance with paperwork, we’re here to make your car-buying experience smooth, stress-free and above all, speedy.

Success stories from happy customers

Don’t just take our word for it – hear all about how quickly can you buy a car from satisfied My Car Credit customers themselves:

“So happy I found the perfect finance deal to go with a perfect car. Initial enquiries made at 11am, finance sorted and car collected by 3pm. Very impressed and would definitely recommend.” – Lee Buxton.

“Cannot recommend highly enough. Contacted them on the Sunday afternoon, deal complete inside 48 hours with an APR of 5% less than quoted. Picking up the car on Friday. Can’t say better than that!” – Dave Sargent.

With personalised support and flexible finance options, you can turn your automotive dreams into reality in record time. How quickly can you buy a car? Potentially even the same day! So, why wait? Use our car finance calculator to begin your car buying journey today!

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Small Splendour: What’s the Best Luxury Hatchback?

Decadent Driving: 7 of the Most Luxurious Cars

Power Up: 5 Types of Hybrid Cars

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

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

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

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

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

Require more help?

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

or call 01246 458 810

car buying car finance Jan24 same day success

There’s no getting around it. Securing car finance with a low credit score can be frustrating. Almost as frustrating as tracking down a reasonably priced coffee in London or riding the Central Line at rush hour.

How is poor credit affecting your car finance?

Unpacking a poor credit score

Assessing your car finance situation

What can you expect from your poor credit car finance?

Improving your application

Avoiding predatory lenders

How to recognise fair vs. exploitative terms

See how our poor credit car finance can support you

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Mini Cooper S

Mercedes-Benz A-Class

BMW 1 Series

Lexus CT

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1. Rolls-Royce Phantom

2. Bentley Continental GT Speed

3. Mercedes-Benz S-Class Saloon

4. Aston Martin DBS

5. Range Rover SV

6. Porsche Panamera

7. Lexus LS

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Hybrid cars are quickly becoming the top choice for Brits who want to combine performance with planet-friendly transport. And let’s be honest, savings at the pump are a huge bonus. But with so many types of hybrid cars to choose from, how do you know which one’s for you?

What is a hybrid car?

1. Mild Hybrid (MHEV)

Top pick: Ford Puma EcoBoost Hybrid

2. Full Hybrid (HEV)

Top pick: Kia Sportage Hybrid Electric

3. Plug-in Hybrid (PHEV)

Top pick: Mitsubishi Outlander PHEV

4. Range-Extended Hybrid

Top pick: Mazda MX-30 R-EV

5. Hybrid SUV

Top Pick: Volvo XC90 T8

Finance a hybrid with My Car Credit

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1. Ford Fiesta

2. Volkswagen Polo

3. Toyota Yaris

4. Kia Picanto

5. Hyundai i10

6. Vauxhall Corsa

7. Renault Clio

8. Mini Hatchback

9. Fiat 500

10. Honda Jazz

Why these cars are ideal for learning to drive?

Easy to handle and manoeuvre

Great safety features