What is the Best Used Estate Car to Buy?

Estate car driving in the countryside

When it comes to space, it’s hard to beat the generous dimensions of an estate car. There are some fantastic new models on the market this year. However, you can unlock big savings by purchasing a second-hand estate car. Not sure where to start? Read on as we cover what is the best used estate car to buy. In addition, we’ll go through what to look for when browsing the second-hand market.

Getting to know estate cars

If you’re not familiar with estate cars, let us give you the lowdown. While the front of the car resembles a standard hatchback, the rear features an extended boot with a cavernous cargo area. Space is the main selling point. As such, estate cars are hugely popular among families with bucketloads of luggage, sports enthusiasts carting around bulky equipment and pet owners with a couple of four-legged friends in tow.

Fun fact – did you know estate cars, or station wagons as they’re often referred to, are named after their original purpose of ferrying passengers and luggage between railway stations and country estates?

Estate cars vs SUVs

In many ways, estate cars are comparable to SUVs as they offer far more space than the average car. Though instead of off-road styling, they champion a sleek and urban aesthetic. This means they’re just as comfortable loaded up with camping gear as they are commuting to the office on a Monday. They also feature a low-profile like their hatchback and sedan counterparts. As such, they can appeal to drivers who want extra space but don’t feel comfortable driving bulky SUVs. Fuel economy is also a factor, with estate cars generally guzzling less fuel than SUVs.

Our top 5 used estate car models

Before we get started, let’s bust some myths about the term “used”. Buying second-hand doesn’t have to mean settling for a model with more than 150,000 miles on the odometer. Though of course, if you’re on the hunt for a serious bargain this can be a good option. In many cases, buying a “used” estate car can mean getting behind the wheel of a model that’s only a year or so old. Furthermore, if you’re really looking for that new car aroma, you could even opt for a test drive model.

1. Skoda Superb Estate

Spacious and sturdy, the Skoda Superb Estate boasts one of the biggest boots in its class. Models from the last five years offer excellent fuel efficiency and are great for long-distance driving. The generously sized interior coupled with low running costs make the Skoda Superb Estate a firm favourite with families. While the Skoda Superb Estate enjoys glowing reviews from most owners, there have been reports of water leaks in the boot. With this in mind, be sure to give your used model a good once-over during the test drive. 

2. BMW 3 Series Touring

Luxury meets practicality in the BMW 3 Series Touring. Packed with high-tech features, this model treats you to all the bells and whistles you expect from BMW. It’s also easy on the eye, with the sleek design challenging perceptions of estate cars. If you’re looking for a family-friendly ride with an executive feel, the BMW 3 Series Touring will tick all your boxes. The 2020 model is available with a variety of different engines, including petrol- and diesel-powered.

3. Ford Focus Estate

What is the best used estate car to buy if you’re looking for value for money? The Ford Focus Estate builds on the success of its wildly popular predecessor. Furthermore, there are some great deals to be had when buying second-hand. Sure, it’s not the biggest or most luxurious model on the market. However, you’ll enjoy excellent handling, impressive fuel economy and some great tech features on the newer models.

4. Dacia Logan MCV

If you thought the Ford Focus Estate offered excellent value for money, wait until you meet the Dacia Logan MCV. A true bargain-basement estate car, this model is marketed as a ‘Maximum Capacity Vehicle’. Indeed, the Dacia Logan MCV offers plenty of space for passengers and luggage alike. The 2019 model boasts an impressive 573-litre boot that can handle all the golf clubs, dog kennels and flat-pack furniture you can throw at it. While the Dacia Logan MCV has now been discontinued, there are loads of used models out there and some serious deals to snap up if you know where to look.

5. Mercedes E-Class Estate

There’s plenty to love about the Mercedes E-Class Estate, including the luxurious interior and elegant styling that redefines the station wagon aesthetic. Sliding into the driver’s seat, you’ll immediately notice the intuitive cockpit features, high-quality materials and luxe leather trim. The Mercedes E-Class Estate doesn’t compromise on space. As a result, the 2016 model offers a mammoth 640-litre boot or 1820 litres with the rear seats folded down.

Choosing what is the best used estate car to buy

All factors considered, what is the best used estate car to buy? Ultimately, the best model for you will depend on your personal preferences and budget. If you’re looking for value for money, the Dacia Logan MCV is hard to beat. The Mercedes E-Class Estate promises unparalleled luxury. However, the Skoda Superb Estate is a top performer when it comes to space. When deciding what is the best used estate car to buy, we always recommend taking the time to establish your priorities, do your research and get stuck into online reviews.

When you’re ready to get behind the wheel of your dream estate car, we’re here to help. With access to one of the biggest lending panels in the UK, we have the experience and expertise to secure you the best used car finance deals. Contact us today to find out more about how to unlock the best used car finance deals in the UK.

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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

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

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

Require more help?

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

What Are the Best Small Automatic Cars?

Sat in a cafe researching the best small automatic cars

From excellent fuel efficiency to breezy parking and low maintenance costs, there’s plenty to love about small automatic cars. They’re the vehicles of choice for millions of Brits, with most manufacturers offering their own versions of this popular vehicle class.

Thinking of getting behind the wheel of a small automatic car? This article is for you. Read on as we investigate what are the best small automatic cars in the UK, focusing on factors like fuel economy, family-friendly features, eco credentials and more.

Vauxhall Corsa – Best for 2021

When it comes to sales, the Vauxhall Corsa has made quite the impression in 2021. The new look supermini was relaunched by the British-owned brand in 2020 and captivated motorists with its stylish aesthetic, up-to-the-minute tech, and zippy engine. Sales have skyrocketed in 2021, with the Corsa stepping up as a serious contender to the Ford Fiesta, which has been consistently crowned the best-selling car in the UK for the past few years. Want to go electric? Vauxhall has also launched a pure-electric version of the Corsa with an impressive range of 208 miles.

Nissan Leaf – Best electric small automatic car

A sporty profile, impressive driving range and affordable price tag make the Nissan Leaf our top pick in the best electric small automatic car category. The latest models are equipped with advanced Intelligent Driving technologies developed by Nissan, including the highly anticipated ProPILOT² semi-automated driving system and smart e-Pedal mode.

With EV charging infrastructure continually expanding across the UK, driving a Nissan Leaf is more practical than ever. The only downside is you’ll need a garage or secure parking spot to own a Nissan Leaf or similar, as EVs can be difficult to charge when you rely on street parking.

Toyota Yaris – Best hybrid

If you want to dip your toes into the EV scene but aren’t ready to make a full commitment, the Toyota Yaris is a great compromise. Fast and compact, this model is one of the smallest hybrids on the market and offers an impressive 68mpg running on battery alone. This makes it great for zipping around the city and keeping your eco footprint to an absolute minimum. When you need the reliability of fuel, simply fill up the tank and switch to petrol mode. A CVT gearbox ensures smooth gear transitions around town, though things can get a little noisy at higher speeds. This makes the Yaris a great option for urban driving as opposed to longer road trips.  

Audi A1 Sportback – Best for luxury

Sleek and stylish, the Audi A1 Sportback is one of the most luxurious superminis on the market. It promises all the bells and whistles you’d expect from the high-end manufacturer, including luxe interiors and lots of upgrades to choose from. It may be small, but the Audi A1 Sportback doesn’t compromise on space or comfort, making it ideal for both urban runs and long road trips.

Peugeot 208 – Best for fuel-efficiency

If saving money at the forecourt is your top priority, you’ll love the Peugeot 208. Marketed as a “city car with a sporty design” this model offers impressive fuel economy of around 44.3 – 56.7 mpg for the auto petrol version. With the RAC warning that British petrol prices are creeping towards all time highs, there’s no better time to upgrade to a fuel-efficient vehicle. When researching what are the best small automatic cars in the UK for fuel economy, the Peugeot 208 will definitely win a place at the top of your list.

Volkswagen Golf – Best family-friendly small automatic car

It’s difficult to outperform the Volkswagen Golf when it comes to family-friendly features. Brits have loved this model for around 50 years and for good reason. The hatchback is practical, spacious, and comfortable, meaning it can transition from school runs to weekend camping trips with ease.

The 380-litre boot offers lots of space for all your luggage, with the option of folding the rear seats down to create a huge 1270-litre boot. Great if you’re taking the dog to the vet or purchasing a new bike. As well as being packed with family-friendly features, the Volkswagen Golf offers great value for money. Once again, this wins it big points with budget-conscious families in search of a small automatic car.

Ford Fiesta – Best all-rounder

What are the best small automatic cars? The universally loved Ford Fiesta has been winning over Brits for decades. It’s reigned as one of the best-selling cars in the country for years, with motorists falling hard for the fun design, smooth handling, and plucky engine.

While we love Ford Fiestas from the 2010s, the latest models will blow you away with high-tech features and systems. Slide into small spaces with Active Park Assist, sit back and relax with Adaptive Cruise Control and enjoy a smoother and safer ride with Lane Keeping Aid. Once you experience these clever new features, you’ll never want to go back.  

Buy the best small automatic cars with ease

Thinking about purchasing a new car but not sure how your credit rating looks? We have you covered. Our car finance checker is built to help you check your suitability as a loan applicant, without leaving a permanent mark on your credit score. Known as a “soft search”, it gives us an overview of your financial history without exposing this information to lenders. This allows us to tailor your car finance options and connect you with the best lenders for your unique circumstances.

With rates starting from 6.9% APR, we make owning your dream small automatic car faster and more affordable than ever.

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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

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

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

Require more help?

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

Can I Buy a Car at Auction with Finance?

cars available to buy at auction on finance

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

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

How to buy a car at auction 

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

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

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

Car finance for cars bought at auction 

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

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

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

Contact My Car Credit today 

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

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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

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

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

Require more help?

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

What Credit Score is Needed to Buy a Car?

Man on his phone checking what credit score is needed to buy a car on finance

An average credit score is generally considered to be 569 or above in the UK. Your credit score is critical to your financial health, and will determine what kind of loans and other services that you’re viable for. But what credit score is needed to buy a car?

We answer this question and detail how My Car Credit can help find the best car finance for you – whatever your score.

How do credit scores work?

Your credit score will fall along a score range, which is generated by a computerised scoring model. The scoring model uses statistical analysis to establish patterns in your credit report data, assigning a three-digit number score. This will in turn reflect on your ‘riskiness’ as a consumer.

Lower scores indicate that you’re more of a risk for lenders. As a result, you may end up paying higher interest rates, fees, and deposits.

The different credit models used by national credit bureaus will calculate and report different credit scores. Below, we list the different categories of credit score based on the Experian average credit score range.

Excellent: Typically, your score would be from 961 to 999 if you sit within this bracket. Having a score this high will streamline your approval process, and you’ll receive the best available terms.

Good: You’ll have a score of 881 – 960 in this bracket, and will likely have better rates offered.

Fair: If your score is in the bracket 721 – 880, you may be considered a subprime borrower, and your interest rates may therefore be slightly higher.

Poor: Between 561 – 720 is a poor score, so you might have loans declined if you sit within this range. Anything lower than this is considered very poor.

Thankfully, there are ways to improve your credit score, so be sure to check these out.

Can I get car finance with poor credit history?

You’ll be pleased to hear that the answer to this question is – yes. There is no specific score required to buy a car. However, as outlined above, the higher your score, the more likely you are to receive a better deal and rates.

That said, we understand that everyone’s case is different, and we treat them as such. We combine a wide panel of over 30 lenders to help you find the right car finance for you.

You can also check your eligibility for credit before you formally apply for car finance. To do so, we’ll carry out what’s called a ‘soft search’ credit check. This involves checking your financial history without exposing the information to lenders. It therefore won’t have any impact on your current credit score.

Contact My Car Credit today

Now you know what credit score is needed to buy a car, you should be feeling much more confident about taking the next steps. However, if you’re looking for car finance but worried about your poor credit, contact our friendly team today to discuss. We aim to address any concerns or queries that you may have about the process – call 01246 458 810 today.

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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

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

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

Require more help?

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

Can I Buy a Car with No Deposit?

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

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

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

The main two types of car financing

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

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

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

No deposit car finance

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

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

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

How do you qualify?

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

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

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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

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

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

Require more help?

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

How to Downsize Your Car

fiat 500 purchased after downsizing a car

Whether you’re looking to reduce your carbon footprint, minimise your fuel expenses or simply fit into smaller parking spaces, there are plenty of benefits to downsizing your car. Of course, there’s plenty to choose from which means it’s important to approach the downsizing process logically and systematically.

Ready to get stuck in? If you’re thinking of switching to a smaller vehicle, read on for our guide on how to downsize your car.

1. Analyse your needs

If you’re thinking about downsizing, you’ve probably already realised your vehicle is too big for your needs. The next step is to figure out how much smaller you need to go. Spend a good few hours thinking about the different ways you use your car and what your priorities are.

Do you want a smaller car that is still large enough to carry all your camping gear? Do you really need seven seats or could you get away with a regular five seat vehicle? Maybe you prioritise boot space over legroom? This step is all about developing an idea of what you’re looking for in a car.

2. Consider weight and engine performance

As well as physical characteristics, it’s worth considering your needs in terms of engine size and performance. Sometimes, downsizing can mean switching to a similar car with a less powerful engine. This type of downsizing can still be a great way to minimise your emissions and fuel consumption. Reducing the total weight of your car can also be an efficient way to downsize, without losing too much physical space.

For example, a heavy-duty Range Rover Sport has a Gross Vehicle Weight (GVW) of 3100kg while the similarly sized Volvo XC90 hovers more around the 2000kg mark. In terms of space, the Range Rover Sport and Volvo XC90 offer a generous 784 litres and 775 litres respectively.

3. Calculate your budget

When you have a good idea of what you’re looking for in a new car, the next step is to calculate your budget. Factor in variables like your initial deposit and how much you want to spend overall. If you’re buying new, be sure to factor in any extras you may want to add on as these can stack up fast. This includes features like smartphone media systems, roof racks, heated seats and extended warranties. Don’t forget, there are also a few things to avoid like rust proofing, tinted windows and chrome trims. 

When you’re ready to determine your budget, our car finance calculator is a great place to start – simply punch in your preferred loan amount, repayment terms and credit rating. It will then calculate the typical rate you can expect, as well as the total cost of your loan. This way you can advance to step 4 with a good idea of how far your budget will stretch.

4. Browse the market

With the number crunching behind you, now is the time to get stuck into browsing the market for your new car. Google is a goldmine when it comes to reviews, with many websites going into a huge amount of detail. There are also plenty of great websites that allow you to compare the performance, fuel economy and features of several different models simultaneously. Test drives are essential and will give you a good idea of how a car feels behind the wheel.

On the hunt for a used vehicle? Our clever My Car Search feature uses simple criteria to find your ideal used vehicle. All dealers are regularly vetted by the Financial Conduct Authority (FCA), making My Car Credit one of Britain’s safest online platforms for purchasing used vehicles. Buying a used car can unlock enormous savings, especially if you’re looking to purchase a model that’s only a year or two old.

5. Find a good lender

You’ve homed in on the perfect car, now to find the perfect lender. At My Car Credit, we specialise in unlocking the best finance rates for everyone, whether you’re shopping for a nearly new Nissan Qashqai or a used Volkswagen Golf. We partner with an extensive network of partners across the UK to find competitive finance plans that work for you. Using your credit rating, we’ll unlock the best car finance deals in Britain.

Not confident in your credit score? We pride ourselves on finding solutions for every motorist, regardless of how high or low their credit score. Reach out to one of our friendly customer service agents today to find out more and kickstart your downsizing journey. 

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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

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

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

Require more help?

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

Why Are Used Car Prices Going Up?

Man test driving a used car

According to an old adage, cars decrease in value as soon as you drive them off the forecourt. That’s especially true for new cars, many of which lose 40% of their value in the first year alone. But it’s also true for used cars, which generally depreciate the older they get. Or at least that was the case.  

In recent weeks, we’ve seen something of a buzz in the used car trade, with prices going up following a quiet few months under lockdown. Despite the depreciation we’ve become used to, we are seeing used cars going up in value week-on-week once they’ve been bought, and it hasn’t gone unnoticed.  

Rumours of used cars on driveways going up thousands of pounds in value are buzzing round the internet. Industry insiders have seen a sudden acceleration in used car prices from May 2021 onwards. But why exactly are used car prices going up? Are they going to keep going up? For many drivers, the main question will be ‘can I afford to buy a car? Read on as we answer all of these questions and more.  

How much are used car prices going up? 

For the first time since the economic recovery started in 2009, used car dealers are seeing staggering price increases in stock. Reports in Car Dealer Magazine and Auto Express, reveal used car prices rose by 6.5% in May 2021 alone, following a 2% rise in April. 

“Average price increases are around 6% per month. We’ve not seen anything like it. They’re likely to be up by 6.5% in June, but they usually drop by 0.5%,” according to Derrin Martin of Cap HPI, a firm used by motor trade professionals for extensive dataset and their unique understanding of the automotive market.  

He continues, “Used car prices are going up 8% over 2 months, whereas usually prices would drop by 0.5% per month. Used cars are now an investment, but we don’t know how long this unforeseen change of circumstances will last. It’s difficult to forecast what will happen next.”  

Why are used car prices so high? 

Used car prices are so high, partly because of lockdown. There is now pent-up demand because forecourts were closed for months and customers had limited civil freedoms to go out during the most recent lockdown of 2021. There was a similar surge in used car sales in the summer of 2020 following that lockdown.  

Supply and demand economics 

Not only that, but supply levels are low because of the latest lockdown, so for the first time, supply is less than the demand. This makes pricing more competitive because normally supply outweighs demand. As there are fewer cars to choose from, this makes used cars more desirable and allows vendors to increase their asking price. It’s supply and demand economics.  

There were fewer new car registrations in March and April, which is likely having a knock-on effect for used car sales, as more people seek cheaper alternatives. Customers who would have bought a new car may be looking to the used car market instead. 

What is the semiconductor issue? 

At the same time, there is a semiconductor issue affecting the car industry. Modern cars use semiconductor chips for displays and safety systems. Leading car makers have had to scale back production because of a global lack of supply of these semiconductor chips, meaning there are fewer new cars on the market, driving up the demand for used cars.  

Semiconductors are in unusually short supply because plants were closed during lockdown. Derrin Martin believes the semiconductor issue will hit harder in Q3, and dealers may switch buyers to alternative models.  

Should I buy a car now?  

With cars going up by hundreds or even thousands of pounds sat on driveways or forecourts, the main question for most drivers is whether they should act now and buy a car today – or stick with their existing car until it all blows over. 

Well, the UK PM announced this week that the 21 June end of lockdown is to be delayed four weeks because of the increase in the Delta variant of coronavirus. There are still millions of people in the UK alone without the vaccination. Put simply, it looks like lockdown measures are here to stay. So, what does that mean for the value of used cars? 

If you’re thinking “should I buy a car now?” the answer is a bit unclear. Because we truly don’t know how much longer used car prices are going to go up, you could buy now before the price goes up further. If the used car price trend continues over June to July, we could see another 6.5% increase month on month in used car value.  

We cannot forecast how long the lockdown will continue, nor can we forecast how long prices will continue to increase. We are seeing used car prices increase week-one-week, so if you’re looking for a good value deal, it could be best to buy now. 

Buying a car now 

If you want to buy a used car before prices continue to rise, My Car Credit can help. We compare deals from our large panel of trusted lenders to find you affordable car finance, which helps you spread the cost of a new or used car.  

Use our car finance calculator to see how much you can borrow or get in touch with our team for more information. 

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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

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

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

Require more help?

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

Top 10 Safest Cars Available to Buy

Family searching for the safest cars to buy

If you’re in the market for a new vehicle, you’re undoubtedly looking out for one of the safest cars around – particularly if you’re searching for a family upgrade. Driving is great for so many reasons that we hardly need list here, but accidents can still happen. Consequentially, getting behind the wheel of a vehicle that you trust can help ease any concerns you may have.  

As vehicular technology has improved, the safety of cars has also risen – some are even sophisticated enough to prevent accidents from happening in the first place. Euro NCAP (European New Car Assessment Programme) is an independent organisation that crash-tests new cars, using a star rating to each model depending on its safety. Factors like child protection, adult protection, safety assist systems, and vulnerable road-user protection are all considered. That way, consumers have the ability to gauge which are the safest cars independently of brand marketing. 

We’ve put together a list of the top 10 safest cars according to their tests – read on to find out more. 

The safest cars: Euro NCAP rated 

Every two years, the Euro NCAP toughen up their testing, in order to ensure that the process is as robust as possible. To date, only nine cars have been tested in 2021 – and only seven rank five-star for safety. As such, the top 10 safest cars ranked below are a combination of 2021 and 2020 tested vehicles. 

Don’t worry though, 2020 results are directly comparable to 2021 results – in 2020, the organisation introduced a new series of stringent safety tests which have also rolled over to 2021 testing. The same guidelines will continue to be implemented into 2022 – in 2023, the organisation will introduce updates.  

Let’s take a look at the safest cars in 2021 and 2020 as ranked by the Euro NCAP. 

1. Polestar 2 

This electric car – the second of Polestar’s – ranked consistently for safety across the board, making it the safest car in 2021. Scoring an 86% in the safety assists category, 89% in child protection, and 80% in vulnerable road-user protection, it was near-perfect in adult safety at 93%. The car itself is fairly pricey – but you’re paying for safety. What’s more, its safety will only improve through technology. This is because the car will automatically update via over-the-air software as it progresses. The model also boasts a high-tech cabin and has a significant range for an EV – great for those long-distance UK holidays. 

2. VW ID.4 

Another electric vehicle, the VW ID.4 is practical for families (it’s a 5-door SUV), and its high-tech safety systems – including a hazard warning system – earned it an 85% in safety assist. Plentiful airbags and a sturdy design offer further safety – it beat out its sister car the ID.3 in testing to earn second place in 2021’s safest cars. 

3. Skoda Enyaq 

Unless you’re a real motorhead, you’d be hard-pressed to tell the difference between this and the ID.4 – but the latter beat the Enyaq slightly in safety tests. 5% was lost in protecting vulnerable road-users (although it’s still a respectable 71%). In addition, it earned 94% on adult occupant safety rating. It’s also got plenty of space for families – so you don’t have to compromise safety for luggage space. 

4. Cupra Formentor 

If you’re on the hunt for a sports SUV that’s safe but still super fun to drive, the Cupra Formentor might just be for you. It boasts a dearth of cutting-edge safety kit – including automatic emergency braking to help mitigate road accidents. Even better, it achieved the second highest score for adult occupant protection at 93%. 

5. Genesis G80 

Slightly smaller than the Genesis GV80 SUV (listed below), this car nonetheless hit a five-star score for safety, with 91% for adult occupants and 87% for child. It also boasts an impressive suite of safety systems. As well as AEB through to speed assistance, there is also an active bonnet that works to cushion passengers in any emergency. At under £38,000, it’s also reasonably priced for a four-door saloon. 

6. Genesis GV80 

If you have a larger family – or are upgrading your vehicle for maximum space – this is undoubtedly one of the safest cars out there. Head, chest, and centre airbags ensure top marks for protection. Moreover, it secured 91% for adult protection and 87% for child protection scores. 

7. VW ID.3 

A sister to the ID.3 above, this VW is another electric family hatchback. Safety technology includes an advanced e-Call system, as well as land assist and speed assistance systems, earning the ID.3 an 88% in safety assist score. At 87% for adult occupant and 89% for child occupant, it’s a very sturdy option for any family. 

8. Seat Leon 

A firm family favourite, you’ll be pleased to hear that the Seat Leon scored five-stars for safety. Great to drive, plenty of space, and reasonably priced, this car will also keep you and yours safe. At 92% on adult occupant safety and 88% on child occupant safety, you can get behind the wheel knowing you’re well covered. 

9. Honda Jazz 

This car is great for nipping around more urban areas, as it is slightly smaller. It’s still one of the safest cars, however, scoring 87% for adult occupant and 83% for child occupant protection. Safety systems include AEB and one of the highest scores for pedestrian protection – matching only the Polestar 2. 

10. Toyota Yaris 

Toyota’s Safety Sense technology is a particular winner here, helping the Yaris snag an 85% on safety assist score. It may be small, but it’s still pretty mighty. In particular, it has a shape that’s designed to weather crashes well, and an 86% score for adult occupants and 81% for child. Plus, it’s still a five-door hatchback – so there shouldn’t be any irritated crawling over each other as the kids pile in. 

Questions? Talk to My Car Credit today 

If you’re looking to upgrade to one of the safest cars, chances are you’ll have a number of questions – not least ‘can I afford to buy a car’? My Car Credit is on hand to help with any queries you might have about car finance to fund your purchase. 

What’s more, we can help you find your next car through our approved dealers stock list. Check out quality used and nearly new cars from dealers we rate highly.  

With a large network of lenders, we’re committed to finding a fair, affordable deal for all drivers, whatever their credit history. Call us today on 01246 458 810 to find out more. 
 

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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

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

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

Require more help?

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

Top 7 Cars for Tall People

Couple looking online for cars for tall people

We hate to break it to you, but if you’re above six feet tall and trying to fit into a Smart car or Mini Cooper, it might not be the best car for you. No one wants to wrestle with either back or neck pain as a result of their car. This is why finding the right cars for tall people is so important.

If you’re banging your head on your current vehicle or have to push either the driver or passenger seat to its limits in order to squeeze in, the chances are you need to upgrade your car. But just because you need extra space, doesn’t mean you should be sacrificing style or substance.

Plenty of modern cars offer headroom and foot space – and not just SUVs, either. There are some hatchbacks and estates that will also do the job well. To help you streamline your search, we’ve compiled a list of the best cars for tall people – read on to find out more.

The top 7 cars for tall people

When you’re searching for your car, take time to check if the model you’re testing really offers maximum space adjustments. For example, some will have steering wheels that move. It’s also best to avoid a car with a panoramic sunroof. The reason for this is that the necessary features can be bulky, taking up those extra few inches of vital space.

1.    Audi Q7

The Audi Q7 is a universally popular car, world-round. It’s also hugely practical – both for taller drivers and larger families, thanks to three rows of seat and a huge boot. Its box-like shape is still sleek whilst affording passengers enough headroom. What’s more, with 1,071mm of space in the front, there’s also room for longer legs. Rear seat passengers also have over a metre of room, too – so minimal squabbling from the kids on a longer journey.

The interior is elegant and well-designed, with all of the swish features you’d expect of an Audi. More over, although the outside is somewhat boxy, it’s still very stylish. All in all, the Audi Q7 is a robust vehicle offering enough space for taller people without sacrificing on design or style.

2.    Volkswagen Polo Hatchback

That’s right, we’ve included the Volkswagen Polo in this list – just because it’s a small car, doesn’t mean it can’t accommodate taller drivers. In fact, with over a metre of headroom in the front, the Polo is great for those who need more space. Plus, with five doors, the model is slightly longer in the body, making it great for lengthier limbs.

With an eight-inch touchscreen, DAB radio and air conditioning, you’ll get a great range of features with even the most basic model. In addition, you can include dual-zone climate control, parking sensors, and auto wipers if you go higher spec. These cars are super popular for a reason and are the absolute dream for nipping around city streets. It also won’t break the bank – a very welcome fact!

3.    Volvo XC60

It’s not the cheapest option for taller drivers, but it’s good looking and spacious – plus, like all Volvos, it’s supremely safe. You get decent front headroom and space in the back, with seven seats available if you need it (although it’s a bit of a squeeze). The XC60 is a sleek SUV that’ll get the job done. What’s more, you can opt for a hybrid vehicle if that’s your preference, but the entry-level diesel model is reasonably cheap to run.

The car is also very quiet – great for long-distance journeys – and will carry nearly 500 litres of luggage. If you’re also looking for a vehicle that will tow well (if you’re a fan of caravan holidays, for example), this is a great option.

4.    Mercedes E-Class Estate

With over 1.6m of headroom for front-seat occupants, you’d have to be extraordinarily tall not to fit comfortably in the E-Class! There’s also over 1m headroom for those in the second seating room, too, and the car itself is supremely comfortable.

Plus, because it’s a Mercedes, the design – both interior and exterior – is very swish and sleek. You also still get boot space, which is a bonus if you’re shopping round for a family car.

5.    Mazda CX-5

Another SUV, this car offers an excellent amount of interior space, making it ideal for drivers needing more legroom and larger families. The driver and passenger get over 1m of headroom, but the car will still hold over 500 litres of luggage. The interior is basic but practical. Furthermore, the exterior of the car still wins style points – plus it’s a great car to drive, which is a fairly vital selling point!

6.    Honda Jazz Hatchback

We’ve added another hatchback to this list in order to offer some balance alongside the SUVs – but don’t be put off. Admittedly, the Honda Jazz is a little boxy in design. However, that helps it navigate tight streets well, so it’s a great urban vehicle.

Honda has what’s called a ‘Magic Seat’ system, which means your seat will adjust to find a driving position that works for you. The headroom is great, and the rear seats offer plentiful space for stretching out too, but there’s still room for a boot.

7.    Citroen Berlingo

It’s not the best-looking vehicle on this list, but because its design is based on a van, you have guaranteed space in the Berlingo. There’s actually so much headroom that the model has a 90-litre storage area above the heads of passengers.

Every seat has ample headroom thanks to the van design. Consequentially, even if you have a host of the tallest humans around, everyone should feel comfortable. What’s more, this car is very affordable and reliable. Not to mention, it performs well even if you’re towing a heavy horse trailer or bike rack.

Speak to My Car Credit today

Like most vehicles, cars for tall people don’t come cheap. But with My Car Credit, you can spread the cost over a period that suits you. Start by using our car finance checker with no impact on your credit score, then let us find you a great deal from our large network of lenders.

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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

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

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

Require more help?

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

Audi vs BMW: Which Luxury Car Is Best for You?

Black BMW driving on Motorway

When it comes to luxury cars, two German brands stand out above the rest – Audi and BMW. Both manufacturers have been around for decades, cultivating reputations that result in thousands of units being sold yearly. In the UK, BMW’s market share for the entire British sector was almost 10% in the first quarter of 2020, while Audi’s was 7.41% in the same period.

Essentially, there isn’t much between legendary brands, which is why it’s hard for customers to pick between them. You can’t go wrong with either, so why should you fret? The answer is that your vehicle is personal and should always reflect your needs and wants. Seeing as there are so many different models to pick from, it’s essential to understand what each brings to the table.

When it comes to Audi vs BMW, there are several features motorists should consider before signing on the dotted line. Keep reading as we take a closer look….

What do you get as standard?

When you fork out tens of thousands of pounds for a car, you want to know what you get for your money. Doing some research is vital as it’s down to the buyer to figure what’s included and what’s excluded. However, Audi and BMW are very good at throwing in extras to ensure their models are on a level playing field and superior to the competition.

For instance, Audi is a manufacturer that is synonymous with all-wheel-drive, a feature it uses throughout many of its cars. It uses front-wheel-drive platforms too. However, BMW prefers a rear-wheel-drive strategy because it provides better balance and handling, making Beamers easier and more enjoyable to drive.

Another element that petrolheads will love is the fact that BMW now turbocharges the majority of its engines. As a result, BMWs have extra power and respond incredibly well to their drivers’ commands without using fuel unnecessarily in the process. When you combine this with free maintenance for BMW owners for the first 36,000 miles, it appears as if you get more bang for your buck from Bayerische Motoren Werke AG.

Which is more reliable?

Of course, judging a car based on its specifications is wrong as it doesn’t reveal the big picture. Yes, Audi might not offer its customers as many freebies, but it makes up for it in the maintenance department. If your vehicle breaks down, you’ll spend more on a Beamer than you will an Audi because the former often top the list of the most expensive cars to repair.

According to data from YourMechanic, an Audi will charge you just under £9,000 in maintenance costs in the first decade of if its life. While it appears steep, the reality is that a new BMW is £4,000 more expensive in terms of maintenance during the same period. Considering that the basic versions of both brands’ models are upwards of £35,000, it’s important for drivers to avoid unnecessary fees.

Not only is Audi cheaper in this regard, but it’s also one of the most reliable manufacturers because it’s centred around a philosophy of reliability, also known as ‘Vorsprung Durch Technik’.

Styling vs performance – who wins?

The Audi vs BMW debate can be broken down into two categories – styling and performance. For motorists, a vehicle must walk the walk and talk the talk, which means being pretty and practical in equal measure.

From an aesthetics perspective, it’s universally recognised that Audi has the upper hand since it uses an understated design that is very sporty. BMWs are a little bolder, which makes them less easy on the eye. Plus, you can’t forget the fact that they have two almost identical ranges – the A3 and 1 Series. However, the A3 is regarded as the breakthrough model that transformed the hot hatchback range, leading rivals such as BMW and Mercedes to copy and follow suit.

Still, it’s not just about what’s on the surface. It’s also about what’s under the bonnet, and BMW is regularly viewed as a brand that puts the fun factor into driving. Firstly, the suspension is soft enough that you can take the kids to school, yet hard enough to support sharp bursts of speed.

Secondly, the rapid inline engines are quicker. The 1 Series does 0-62 in a shade over 10 seconds, whereas the A3 is closer to 11 seconds. Lastly, the technology is designed for BMW models, so nothing is shared. This is unlike Audi vehicles as they mix and match parts from the VW umbrella group.

Are they techy?

Okay, getting behind the wheel of modern vehicles isn’t like driving a Formula One car where the number of buttons and controls is enough to make the average person cry. However, technology is at the forefront of the experience because manufacturers want to ensure drivers are as comfortable, informed and entertained as possible.

A modern newcomer to the Audi vs BMW debate is analysing the infotainment centres positioned in the interiors of every new Audi and BMW car. Audi uses the MMI infotainment system, which isn’t as sharp graphics-wise but is powerful enough to pack a considerable punch. For example, the ‘Virtual Cockpit’ feature is lauded as smart and pragmatic.

BMW’s iDrive system is much cleaner regarding the visuals, which many motorists will prefer. However, it doesn’t have the same navigability or ease of use, although it is an upgrade on the first version that came out in 2001.

Audi vs BMW – which is better?

Above all else, the choice between Audi and BMW depends on what you want from your car. For example, Audis have better infotainment systems, are more reliable and less expensive to maintain, and come with an all-wheel-drive system that’s ideal for a myriad of conditions. BMW, on the other hand, is powerful, handles well due to its balance, and looks the part.

The truth is, you can’t go wrong with either manufacturer, which is why their reputations are among some of the best in the motoring world!

Car finance for Audis and BMWs

One downside of both Audis and BMWs is the price. If you don’t have a big budget, you might find they are out of your price range. Thankfully, My Car Credit is here to guide you through the financing options on the table to make the upfront costs more palatable. Whether you have poor credit or don’t know how much monthly financing payments will cost, you can use our car finance checker to simplify the process.

It’s quick and straightforward, so why not give us a call today to learn more about My Car Credit by talking to a dedicated and passionate customer service advisor? It could be the best decision you make for a long time!

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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

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

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

Require more help?

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