Best Car for Commuting: 10 Top Picks

Car lights at night

Whether your commute lasts 10 minutes or an hour plus, a well-appointed car can completely transform your commute. At My Car Credit we’re committed to helping Brits choose the best cars for their needs, which is why we’ve put together this best car for commuting roundup. From fuel efficient superminis to luxury saloons, we’ve cherry-picked cars for every commuter.

1. Citroen Ami – Best Innovator

Looking for an all-electric commuter car that won’t break the bank? The Citroen Ami isn’t just one of the most affordable EVs in the UK. It’s also one of the best-priced cars, period. Prices start at just under £8,000 which makes the model incredible value for money.

Yes, it comes with a bit of a catch. It’s technically an electric quadricycle and cleverly marketed as a mobility solution, as opposed to an EV. But that doesn’t stop it from being one of our best car for commuting picks. Powered by a 5.5kWh battery, this pocket rocket can reach speeds of up to 28mph and offers up to 46 miles of range on a single charge. An impressive turning circle of just 7.2 metres makes pulling off tight urban manoeuvres a cinch. Even better, it charges in just four hours.

2. Skoda Superb Estate – Best Hybrid

The Skoda Superb Estate is an eco-conscious hybrid model that’s made our best car for commuting roundup. The plug-in hybrid version offers around 40 miles of electric range – more than enough for longer commutes. If you need to drive further the petrol engine kicks in and gets you there. In terms of design, the Skoda Superb Estate is sleek enough to feel at home in the city and spacious enough for family road trips.

3. BMW i3 – Best Luxury EV

Compact yet luxurious, the BMW i3 is has earned its place on our best car for commuting list. The 170hp electric motor delivers instant power, making it easy to accelerate on the motorway or switch lanes in a pinch.

Behind the body is a sleek interior featuring luxe, eco-friendly materials like eucalyptus wood. A clean and uncluttered dash makes it easy to focus when you’re navigating city traffic. Enjoy up to 160 miles of range and at-home charging costs of around £6. Buy new or pick up a second-hand BMW i3 for under £30,000.

4. Ford Focus – Best Value for Money

Reliable and affordable, it’s hard to beat the Ford Focus when it comes to value for money. If you’re looking for a commuter car that will get you from A to B without a fuss, you can’t go wrong with this zippy model. Now in its fourth generation, this British bestseller comes in a variety of petrol and diesel options, as well as hybrid option for those looking to slash CO2 emissions.

5. Nissan Juke – Best Head Turner

Some motorists like to blend in on the roads and others love to turn heads. If you fall into the latter category, you’ll swoon over the Nissan Juke. This SUV stands out with a boxy design and unique styling. Enjoy unsurpassed visibility thanks to the high driving position and loads of tech like an interactive touchscreen media system and Bluetooth connectivity for higher trim levels. The Juke was reinvented in 2019 which means there are plenty of deals to be had for past-generation models.

6. Tesla Model 3 – Best EV

With impressive range of up to 374 miles, the Tesla Model 3 is ideal for commutes and road trips alike. Skip the forecourt and cruise straight to the office, with zero congestion zone charges. The electric drivetrain is whisper-quiet on the motorway and practically purrs along urban streets.

Tesla has packed the Model 3 with advanced driver-assist technology which makes it the best car for commuting after a long day at work. When your focus starts to slip, the Model 3 has your back. Use your car for work and play? Boot capacity of 425 litres makes the Tesla Model 3 a practical choice for weekends away. Pack it with everything from butter-soft leather weekender bags to back-to-basics camping gear.

7. Audi A6 – Best Luxury Saloon

Audi has once again mastered the art of understated luxury in the A6. You’ll feel pleased as punch pulling up to the office in this upmarket saloon. Choose the petrol-powered hybrid model and you’ll enjoy just over 30 miles of electric range in a single trip. If you want a vehicle that combines the flexibility of petrol with the environmental and cost-saving credentials of EV technology, the Audi A6 is one of the best cars for commuting.

8. BMW 5 Series – Best Driver Experience

Transition from the city to the countryside with ease in the BMW 5 Series. The executive saloon is now in its eight generation and classier than ever. It’s sleek, sporty and boasts all the signature design elements that BMW drivers covet. Think an extended wheelbase, oversized bonnet and fluid roof silhouette. The infotainment system is unrivalled and makes the daily commute a pleasure.

9. Kia Sportage – Best Allrounder

SUVs are incredibly practical for weekends but can be a headache when it comes to city driving. The Kia Sportage is the perfect compromise, with a compact design that offers all the space and power of an SUV, without the extra bulk. It’s relatively affordable to run and offers excellent MPG numbers considering its status as a mid-sized SUV. As well as commuting to and from work, the Kia Sportage steps up for school runs, supermarket shops, weekend road trips and more.   

10. Peugeot 208 – Best for Fuel Efficiency

Loved by motorists across Europe, the Peugeot 208 is one of the most fuel efficient internal combustion engine cars on the market. Unlock up to 72 MPG and keep your CO2 emissions as low as 110g/km. If you’re not quite ready to make the switch to an EV but want to save money at the forecourt, the Peugeot 208 is the best car for commuting.

Elevate your commute with My Car Credit

With the right car, commutes don’t have to be a drag. Whether you covet comfort, style or practicality, we’re here to help you get approved for auto finance and secure the keys to your dream car. Want to know more about eligibility? We’ve written a guide to answer “will I get accepted for car finance”, where we cover important information like the difference between soft and hard searches.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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£

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 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!

Stellantis and Galloo Announce Plans for End-of-Life Vehicle Recycling

Fiat 500 driving through town

Stellantis may not be a name you recognise, but the international automaker owns names that you definitely do, including Citroen and Fiat.

In a partnership with leading metals recycling company Galloo, Stellantis have announced a ‘Memorandum of Understanding’, detailing their joint vehicle recycling plan. Read on for details.

What is the vehicle recycling plan from Stellantis?

Stellantis have an ambitious Circular Economy Business strategy as part of their Dare Forward 2030 strategic plan – and this end-of-life vehicle recycling scheme promises to be a vital part of that.

This joint venture from Stellantis and Galloo will allow customers to participate in vehicle recycling, as well as the recovery of parts for reuse and remanufacturing. It also contributes to the company’s goal of having 40% green materials in all new vehicles by 2030.

The scheme is planned for a 2023 implementation across France, Belgium, and Luxembourg, with future expansion promised across other geographies. Why? It’s driven by a commitment to reduce their vehicles’ environmental impact.

“Making it easy for customers to recycle their End-of-Life Vehicles is a crucial element to reduce the environmental impact of our vehicles,” explains the Senior VP at Stellantis, Alison Jones. “Returning parts and materials to the value chain preserves scarce resources and helps our drive to reach carbon net zero by 2038. We look forward to implementing the program this year and quickly expanding.””

Secure car finance for a more sustainable set of wheels

If you’re looking for a greener set of wheels, use My Car Credit’s car finance checker to establish the kind of loan or leasing deal you might be able to secure on a more sustainable drive. Alternatively, email one of our team today on enquiries@mycarcredit.co.uk.

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X monthly repayments of
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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 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!

Top 9 underrated cars under 10K

Honda Civic

Between petrol, insurance and general maintenance costs, running a car is expensive. To absorb these costs, many Brits are forced to trim their overall budget when it comes to shopping for a new set of wheels. The good news? With the best underrated cars under 10k, you don’t have to compromise on style or performance. £10,000 is a great budget when you’re shopping for second-hand vehicles and can score you some very tasty models.

Whether you’re looking for a family-friendly compact SUV, zippy hatchback or an executive saloon, you’ll be amazed at how far a £10,000 budget will stretch. There’s something for everyone on our roundup of the top underrated cars under 10k, so let’s get stuck in.

BMW 1 Series Mk2

Produced between 2011 and 2019, the BMW 1 Series Mk2 offers excellent value for money. The cabin feels spacious and high-end, with lots of tech features in the newer models. You’ll see both petrol and diesel engines on the second-hand market in a variety of different sizes. Responsive handling and sports-inspired performance make the BMW 1 Series Mk2 a fantastic choice for motorists with champagne taste on a beer budget.

Honda S2000

Looking for a smart little roadster with a dash of nostalgia? Scour the second-hand market and you’ll find a handful of pre-loved Honda S2000s. Sure, mileage may be high for listings in the £10,000 range. After all, production did stop in 2009, which means even the newest models are 14+ years old. But if the car has been well looked after and the owner can produce a detailed logbook, a Honda S2000 is one of the best underrated cars under 10k.

Citroen C3 Aircross Mk1

Fun and funky, the Citroen C3 Aircross Mk1 will get heads turning, especially if you snag one with a bold paintjob. This compact SUV is packed with clever features, including loads of storage for family road trips. Fuel efficiency is great for both the petrol and diesel engines – another big plus for families on a budget. The cabin doesn’t feel as luxurious as other compact SUVs on the market, but you can’t argue with the price. That said, if the previous owner splurged on a trim upgrade, you may be able to score luxe upholstery like leather or corduroy.

Honda Civic

First launched in 1972, the Honda Civic quickly emerged as a fan favourite in the UK. Compact and lively, the best-selling hatchback is just as at home in the city as it is on winding country lanes. Fun fact – when the model was first launched in the 1970s, it was accompanied by a “We’ll get you where you’re going” slogan. This still rings true today. If you’re looking for underrated cars under 10k that will get you where you’re going, the Honda Civic is a top pick.

Land Rover Discovery

You could easily spend £60,000+ on a used Land Rover Discovery. But if you’re willing to look past models released in the last few years and opt for something a little older, there are plenty of gems on the used car market.

In terms of space and off-road capabilities, it’s hard to beat the Land Rover Discovery. Yes, they do have a bit of a reputation when it comes to reliability. But if you’re confident in the maintenance department and have a good mechanic on hand, a second-hand Land Rover Discovery can be a great investment.

Skoda Yeti

Launched at the Geneva Motor Show in 2005, the Skoda Yeti made waves in the small SUV market. It wasn’t long before Top Gear legend Jeremy Clarkson hailed it as the “best car in the world”. Practical yet cheeky, the model was an instant hit. If you’re looking for something that will transition from muddy roads to motorways with ease, the Skoda Yeti is one of the best underrated cars under 10k.

Jaguar XJR (X308)

Dreaming of getting behind the wheel of a Jag but don’t have tens of thousands of pounds to drop? Simply roll back the clock a few decades and consider a sleek Jaguar XJR (X308). These full-size luxury saloons were produced from 1997 to 2003 and make a statement with a boxy silhouette and retro aesthetic. Under the hood is a powerful V8 engine that holds its own against the latest showroom models.

Ford Fiesta

The Ford Fiesta has earned a loyal following with everyone from students to CEOs. Prices start at around £19,000, which means there are some serious steals to be had on the second-hand market. Brits can’t get enough of the model, so there’s plenty to choose from when it comes to colours, engines, specs and trim levels. Chances are, you’ll find a used Ford Fiesta for sale just down the road!

Renault Captur Mk1

Rolled out of the factory from 2013 to 2019, the Renault Captur Mk1 is a great pick if you’re looking for underrated cars under 10k. It’s marketed as a compact crossover SUV and offers plenty of space for growing families. Our advice is to look for a listing from 2017 onwards – the model was given a complete makeover in 2017 and emerged sleeker and more stylish. 

Stretch your budget further with My Car Credit

Wondering, “can I afford to buy a car?” With My Car Credit, you can spread out the cost of purchasing a new vehicle. Instead of dropping £10,000 all at once, we can help you to secure auto finance with trusted British lenders. Even with a poor credit rating, it may still be possible to finance a car and make the most of your £10,000 budget.

Ready to get into the driver’s seat of one of the top underrated cars under 10k? Give us a call on 01246 458 810 to chat to a friendly team member or email us at enquiries@mycarcredit.co.uk to find out more.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
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  • You have current credit arrangements and mortgage with no defaults
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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
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£

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 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!

Best Small Cars for Motorway Driving​: Top 10 List

UK Motorway

Small cars used to get a bad rap for long drives… not anymore. These days, many compact models are surprisingly comfy, clever and more than happy cruising at 70mph. Whether you’re clocking up motorway miles or heading off for a weekend in the Peaks, there’s plenty out there that’ll handle the journey with ease.

So why are more Brits going small? With fuel prices still high and parking tighter than ever, it just makes sense. Throw in the fact that newer hatchbacks and hybrids offer big-car features without the big-car bills, and it’s easy to see the appeal. Especially for drivers who care about efficiency and emissions as much as comfort.

Thinking of making the switch to something smaller? Keep reading as we break down the 10 best small cars for motorway driving. From crowd-pleasing hatchbacks to clever hybrids, these are the small cars that punch well above their weight.

And the best bit? Many of them are available as affordable used cars with flexible finance options through My Car Credit.

Are small cars good for motorway driving?

Absolutely. The latest small cars are more capable than ever, especially when it comes to motorway performance. Thanks to smarter engineering, improved aerodynamics and modern tech, many now offer a drive that feels far more grown-up than their size suggests.

Get behind the wheel and you’ll be surprised just how composed they feel at speed. 

You’ll find small cars these days packed with features that used to be reserved for Chelsea tractors and high-end saloons. Think adaptive cruise control, lane assist and interiors that actually feel like somewhere you’d want to spend time. Many are just as happy doing the school run as they are cruising down the M1.

The upshot? If you’re after something that’s cheap to run, easy to park and still solid at motorway speeds, a good small car can tick all the boxes without feeling like a compromise.

What makes a small car good for motorway driving?

Not all compact cars are created equal. Some are far better suited to long-distance driving than others. Here’s what to prioritise when looking for the best small car for motorway driving on a regular basis:

Strong fuel economy

Long stretches between fill-ups save you time and money. Look for small engines with turbocharging or hybrid systems to maximise MPG.

Ride quality and cabin insulation

A good motorway car should stay composed at speed. The suspension setup should smooth out bumps, while good cabin insulation should keep wind and road noise to a minimum. 

Stability at speed 

No one wants a twitchy ride in lane three. A wider stance, low centre of gravity and well-tuned steering make all the difference on faster roads.

Comfortable seats and driving position

When you’re doing 100+ miles in a day, seat support and a good view of the road become essential. Bonus points for adjustable lumbar support.

Modern features

Motorway driving’s a lot less stressful when your car comes with helpful kit like adaptive cruise, lane assist, Apple CarPlay and built-in nav. It’s especially handy if you’re trying to manage music, maps and the occasional hands-free call. All while dodging middle-lane hoggers on the M6.

Top 10 best small cars for motorway driving

Now you know more about what to look for in a small car for motorway driving, let’s take a look at our top picks. Whether you’re a daily commuter, weekend adventurer or just want something that’s easy to park but still happy cruising at 70mph, we’ve done the legwork for you. 

From trusted classics to high-tech hybrids, here are the best small cars that can genuinely hold their own on the motorway:

Volkswagen Golf

This model is a favourite for drivers who want something that just gets on with the job. It’s smooth to drive, easy to live with and just a bit more grown-up than your average hatchback.

Stick it on the M1 or coast down the M5 and you’ll see why the Golf’s built its reputation. The cabin stays quiet, the seats are properly comfy, and everything feels reassuringly solid. You also get decent tech thrown in, with adaptive cruise and a tidy infotainment setup on most trims.

Fuel economy: Up to 65mpg (diesel), 50+mpg (petrol)

Best engine option: 1.5 TSI petrol is a popular option. The 2.0 TDI diesel delivers on torque and fuel efficiency, while the 1.0 TSI petrol appeals to budget-conscious buyers.

Top features: Sleek digital cockpit and up-to-the-minute tech like integrated sat nav and lane assist.

Ride quality: The whisper-quiet cabin is a huge draw for the Golf. Use features like optional adaptive suspension (Dynamic Chassis Control) to further enhance comfort on the motorway. 

Boot space: Enjoy boot capacity of 381 litres with the rear seats up. Fold down the rear seats and access a huge 1,270 litres of space. 

Why it works for motorway driving: Feels like a much bigger vehicle. This is one of the best small cars for motorway driving for a reason.

Available as a used car with finance: The Golf is easy to find on finance, especially ex-fleet or well-looked-after used models.

Honda Jazz

The Jazz might look unassuming, but it’s got hidden talents. Especially when it comes to comfort and clever space. This hybrid hatch is a favourite with downsizers and solo drivers who still clock up the miles.

On the motorway, it holds its own thanks to its smooth hybrid system and excellent visibility. Inside, Honda’s ‘Magic Seats’ fold and flip to make space for everything from weekend bags to flat-pack furniture. Watching your bank balance? The hybrid engine keeps fuel bills low even when traffic’s crawling on the A1.

Fuel economy: Around 60mpg (hybrid)

Best engine option: 1.5-litre hybrid e:HEV

Top features: Honda Sensing advanced safety and driver-assistive technologies and Magic Seats configuration.

Ride quality: Responsive steering feels great on the motorway. 

Boot space: Boot space comes in at 304 litres as standard, or up to 1,205 litres with the back seats folded down. And then there’s Honda’s Magic Seats, a stroke of design genius that lets you flip, fold and configure the seats in all sorts of ways to squeeze in everything from bikes to houseplants.

Why it works for motorway driving: Quiet, comfy and full of smart design touches

Available as a used car with finance: Looking for the best small used car for motorway driving? Thanks to plenty of second-hand stock, the Honda Jazz is a great option for low-mileage used finance.

Ford Focus

If you’re after a small car that doesn’t feel like one, the Focus is a top pick. It’s practical, punchy and known for its brilliant handling. The result? Even the dullest commute gets a bit more enjoyable.

At motorway speeds, it’s stable and well-planted, with suspension that absorbs the worst of the potholes and plenty of cabin quietness. The EcoBoost engines are lively without being thirsty, and there’s loads of boot space for luggage or a big shop.

Fuel economy: Up to 60mpg (diesel)

Best engine option: 1.0 EcoBoost petrol or 1.5 EcoBlue diesel

Top features: Ford SYNC 3 (the company’s factory-installed entertainment and communication system) plus clever driver aids.

Ride quality: Can feel a bit bumpy at lower speeds, but hit the motorway and you’re laughing. 

Boot space: 375 litres in the hatchback version, more if you fold the rear seats down.

Why it works for motorway driving: Just a really good all-rounder.

Available as a used car with finance: Loads on the used market, which keeps costs down and makes the Focus ideal for affordable monthly finance. 

Audi A1

Want a small car size with big car vibes? The Audi A1 is your answer. With its premium materials and polished ride, it feels like a scaled-down executive saloon, minus the fuel bills.

It’s ideal for solo drivers or couples who value refinement. On the motorway, it’s impressively quiet, and the infotainment system makes long drives feel effortless. It’s not the cheapest option here, but you get plenty of quality for your money.

Fuel economy: 50–55mpg (petrol)

Best engine option: 1.0 or 1.5 TFSI

Top features: Fancy digital cockpit, smartphone interface and cruise assist

Ride quality: The luxurious cabin and high-tech infotainment system are where the A1 really shines. 

Boot space: 335-litre boot capacity with the rear seats up, a terrific number for a supermini.

Why it works for motorway driving: Premium without being pretentious.

Available as a used car with finance: Popular for PCP due to strong resale value.

Toyota Yaris Hybrid

If low running costs are your priority, the Yaris Hybrid is a top contender. This compact hatch thrives in stop-start traffic but also cruises comfortably at speed.

Toyota’s hybrid system is seamless, and the car is packed with standard safety tech. Long warranty and legendary reliability also make it a worry-free motorway car.

Fuel economy: Looking for the best small car for motorway driving? The Yaris Hybrid delivers up to 68mpg.

Best engine option: 1.5-litre hybrid gives you the best of both worlds. 

Top features: Toyota Safety Sense, touchscreen infotainment

Ride quality: Nice and smooth, though models with larger wheels can feel a little bumpier on the motorway. 

Boot space: 286 litres with the rear seats up makes the Yaris a little on the small side. 

Why it works for motorway driving: Economical, dependable and built to last

Available as a used car with finance: Owners tend to keep Toyotas for longer, which means the used market isn’t flooded, but you’ll still find lots of options if you expand your search for the best small motorway cars nationwide

Peugeot 208

The Peugeot 208 isn’t just a pretty face (though it does turn heads). It’s quiet, smooth and feels far more polished than you’d expect from a car this size. Even at motorway speeds, it holds its own without fuss.

That tiny steering wheel and high-set digital dash might seem a bit odd at first, but give it a day or two and it starts to make sense. The small steering wheel and digital cockpit take a moment to get used to, but soon feel intuitive. The electric version (e-208) adds a zero-emissions option for city-to-motorway flexibility.

Fuel economy: Up to 58mpg (petrol) or 217 miles range (electric)

Best engine option: 1.2 PureTech petrol or EV

Top features: i-Cockpit, Apple CarPlay, safety assist features

Ride quality: This little French pocket rocket does a terrific job of absorbing bumps and potholes. Perfect if your local motorway isn’t the smoothest. 

Boot space: 311 litres or 1100+ with the rear seats down. 

Why it works for motorway driving: High on style, low on fuel bills

Available as a used car with finance: Petrol models offer great value on finance, and used EVs are becoming increasingly available. 

Hyundai i20

The Hyundai i20 has quietly become one of the best small cars around, especially for those on a budget. It’s packed with tech, feels sturdy on the motorway and won’t leave your wallet weeping.

Inside, it’s surprisingly roomy and refined, with good noise suppression and intuitive controls. You get a lot of car for your money, especially if you go for a higher trim used model.

Fuel economy: Around 55mpg

Best engine option: 1.0 T-GDi turbo petrol

Top features: Lane keep assist, digital dash, CarPlay

Ride quality: Firm suspension makes for a smooth ride at high speeds. 

Boot space: From camping gear to groceries, pack it all into the spacious 352-litre boot. 

Why it works for motorway driving: Affordable, modern and confidence-inspiring

Available as a used car with finance: Yes! It’s very popular with first-time buyers and young families.

MINI Hatchback

You might think the MINI is more about style than substance. But on the motorway, it’s got real staying power. The handling is famously sharp, and the cabin feels well insulated for longer stints behind the wheel.

It’s not the roomiest, but the front seats are comfy, and everything feels solid. If you love a bit of grunt under the bonnet but don’t need a huge car, this one’s for you.

Fuel economy: 45–55mpg

Best engine option: 1.5-litre Cooper, 2.0-litre Cooper S

Top features: Premium trim and excellent infotainment

Ride quality: The MINI is a sporty drive, and you’ll feel this as soon as you get behind the wheel. 

Boot space: 211 litres with the rear seats up, expanding to 731 litres with them folded.

Why it works for motorway driving: Big fun in a compact package.

Available as a used car with finance: Strong resale value makes it ideal for finance.

Skoda Fabia

The Fabia proves you don’t need flashy badges to get real quality. It’s roomy, well-built and ideal for racking up miles on the motorway. Later models come with smart infotainment systems and plenty of tech as standard. In a nutshell, it’s a brilliant no-frills motorway car.

Fuel economy: Up to 55mpg

Best engine option: 1.0 TSI

Top features: Cruise control, parking sensors and a modern interior make the Skoda Fabia one of the best small motorway cars out there. 

Ride quality: The cabin’s not as quiet as some of the models on our list, but the suspension is top-notch, and the high driving position provides good visibility for longer drives.

Boot space: 380 litres makes this one of the biggest boots in the small car category!

Why it works for motorway driving: Honest, dependable and more spacious than you think.

Available as a used car with finance: Great value and low running costs mean there’s lots of stock on the used market. And make it a finance favourite!

Vauxhall Astra

This might be the most underrated motorway car on the list. The latest Astra is spacious, well-equipped and incredibly capable at higher speeds, without feeling too big for town driving.

Inside, it feels grown-up and polished, with good seat support and tech like IntelliLink infotainment. Whether it’s the school run, the office commute or a long drive to see the in-laws, the Astra just gets on with the job.

Fuel economy: Up to 65mpg (diesel)

Best engine option: 1.2 petrol or 1.5 diesel

Top features: Comfort seats, safety assists and digital display

Ride quality: The Astra strikes a good balance between on-road agility and in-cabin comfort. 

Boot space: Pack everything (including the kitchen sink) thanks to a cavernous 422-litre boot. The plug-in hybrid version has smaller boot space because of the battery. 

Why it works for motorway driving: Combines everyday practicality with motorway confidence.

Available as a used car with finance: Loads on the market, so it’s ideal for used car finance.

Best small used cars for motorway driving

Here’s the good news – all ten of the cars above make great used buys, too. Thanks to solid reliability and wide availability, many are easy to find on the used market, with plenty of scope to pick the trim, engine or feature set that suits you.

Let’s talk numbers

Like most things these days, small cars don’t come cheap. Brand-new models like the Volkswagen Golf or Audi A1 can easily top £25,000. Upgrade to a higher trim level and the RRP can soar. But go for a used version that’s two or three years old, and you could save thousands. With well-specced models often available from £10,000–£15,000, there’s no need to compromise with the best small used car for motorway driving​.

Opting for a used small car can dramatically lower your upfront costs, and when you finance through My Car Credit, it’s even easier to spread the cost. You can even use our soft search tool to check your eligibility without affecting your credit score.

FAQs about small cars for motorway driving

Are small cars good for motorway driving?

Yes! Many are now designed with longer distances in mind. With modern insulation, comfort features and stability at speed, small cars are more capable than ever.

What makes a small car good for long-distance travel?

Fuel efficiency, comfort, tech features (like cruise control), low noise levels and stable handling all make for a pleasant ride. 

Is a petrol, diesel or hybrid better for motorway use?

It depends on your driving. Diesel tends to win for long-haul MPG. Petrol suits shorter hops. Hybrids give a great middle ground for efficiency and lower emissions.

What’s the best small used car for motorway driving?

The VW Golf is a perennial motorway favourite in the UK, but you can’t go wrong with the Focus, Astra or Yaris Hybrid either.

Can I finance a small motorway car?

Absolutely. With My Car Credit, you can use our online calculator, get a no-obligation soft search quote and see what works for your budget.

Drive a small car that’s built for big journeys

Small doesn’t mean second best, not when it comes to motorway driving. Whether you want something compact and fuel-efficient for daily commutes or a small car that feels every bit as comfortable and capable as a bigger model, the right option is out there.

At My Car Credit, we help drivers find finance that fits. Use our car finance calculator or apply online now to see what’s possible. No stress, no pressure and no hard credit checks. Just helpful, hands-on advice to help you find the small motorway car that fits your lifestyle and your budget.

Rates from 9.9% APR. Representative APR 10.9%

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
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Good

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Poor

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Bad

  • You may not be traceable on the voters roll
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£

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 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!

What are the Best Cars for Wheelchair Users?

Disabled parking sticker stuck on the back of a car

An estimated 1.2 million Brits rely on wheelchairs to get from A to B. Of course, this comes with a unique set of challenges, especially when it comes to choosing a car. To make things a little easier, we’ve put together a guide to the best cars for wheelchair users. Whether you’re a wheelchair user shopping for a new car or a driver looking to accommodate a passenger with mobility issues, we have solutions.

Understanding the unique needs of wheelchair users

Most wheelchair users know the importance of measurements when it comes to accessibility. British charity The Research Institute for Disabled Consumers (RiDC) has done a fantastic job of measuring more than 1500 vehicles and rating accessibility features. Researchers have factored in variables like seat height, door openings, headroom and boot size, using a standard wheelchair. Below, we’ve picked a few of our favourite models.

Renault Megane Sport Tourer

A generously sized boot makes it easy to store an unfolded wheelchair in the back of the Renault Megane Sport Tourer. The low loading lip is a bonus and makes it a cinch to pack wheelchairs in and out. In terms of accessibility, all doors open to an angle of 72 degrees, making it one of the best cars for wheelchair users. 

Kia Carens

Shopping for second-hand cars for wheelchair users? While the Kia Carens was discontinued in 2019, there are plenty of used models on the UK market. Compact and zippy, the Kia Carens remains one of the top cars for wheelchair users. All models boast seven seats, meaning there’s plenty of room for a wheelchair when the rear seats are folded down. Need extra storage? Don’t forget to take advantage of the ’hidden’ compartment beneath the boot. Ideal for stashing a wheelchair tyre repair kit.

Ford Galaxy

The Ford Galaxy has been dazzling drivers since 2015 and remains one of our top cars for wheelchairs picks. Even with all seven seats in use, there’s still plenty of space to accommodate a folded wheelchair. As well as wheelchair-friendly features, this model treats motorists to a high-tech touchscreen media system, intelligent driver assist features and dual-zone air-conditioning. The newest models also feature Pre-Collision Assist technology designed to detect pedestrians and cars and brake accordingly.

SEAT Alhambra

Another stellar pick for second-hand buyers, the SEAT Alhambra is packed with wheelchair-savvy features. Sliding electric rear doors make loading and unloading a breeze, and the generously sized boot offers plenty of room for an unfolded wheelchair in five-seat mode. The loading lip is just 675mm off the ground, a feature that helps win this model a place in our cars for wheelchair users roundup. While the SEAT Alhambra has been discontinued since 2020, there are plenty of these wheelchair-friendly models on the second-hand market.

Looking for something brand new? The manufacturer named the SEAT Tarraco seven-seat crossover as the Alhambra’s successor. It boasts plenty of accessible features, though doesn’t rate quite as high as the Alhambra.

The Volkswagen Caddy

Now in its fifth generation, the Volkswagen Caddy continues to reign as one of the top cars for wheelchair users. If you’re looking to make adjustments or modifications, this is one of the best wheelchair adaptable vehicles in the UK. The newest edition is more versatile than ever, with a fully adjustable front seat, sliding rear doors and a clever interior layout to maximise storage and passenger comfort. Intelligent Driver Assist systems and a digitalised cockpit make getting behind the wheel an absolute pleasure.

Dacia Duster

If you’re on a budget, it’s hard to beat the value-for-money offered by the Dacia Duster. A firm favourite in the UK, this much-loved SUV boasts an enormous boot and plenty of room to make adjustments and modifications. This model is built for adventure and is perfect for wheelchair users who don’t want to hold back. Blast your favourite tunes using the next-gen multimedia suite and tackle tough terrain with the upgraded 4X4 monitor system. With a huge 214mm of ground clearance, venturing off the beaten track has never been more fun.

Citroen Berlingo 

Like the Dacia Duster, the Citroen Berlingo is a great option if you’re looking to make wheelchair-friendly adjustments and add-ons. This is mostly thanks to the generous width and height of the model. The seats are supportive and comfortable, making it great for longer trips. Even better, it’s now available as a fully electric model. If you’re looking for cars for wheelchairs that will help minimise your carbon footprint, the Citroen E-Berlingo is a fantastic choice. You’ll enjoy all the space and comfort of the combustion engine predecessor, with zero petrol bills.

Tips for choosing the best cars for wheelchairs

Consider lip height carefully

If you’re a driver looking to accommodate a wheelchair user, we recommend looking for a car with a low boot lip. This makes it much easier to lift the wheelchair in and out of the boot.

Space is key for modifications

Modifications and adjustments can make the driving experience much easier for wheelchair users. If you’re planning to make changes, choosing a car with generous dimensions can make things much easier. This is why vans and SUVs are such popular options.

Every driver and passenger is unique

When shopping for the best cars for wheelchairs, a one-size-fits-all approach won’t cut it. It’s important to consider the unique needs of the wheelchair user. One thing’s for sure – you don’t want to compromise on convenience or comfort.   

Finance a wheelchair-friendly vehicle

Ready to upgrade to a wheelchair-friendly vehicle? We can get you behind the wheel faster with tailored car finance solutions. Whether you’re shopping for a compact car for city driving or a spacious van with plenty of room for multiple passengers and wheelchairs, we’ll match your application with trusted lenders in the UK.

No matter what your circumstances are, we can help you to secure the best deals on cars for wheelchair users. Get a car finance quote today to find out how much you’re eligible for.

Rates from 9.9% APR. Representative APR 10.9%

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 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!

The Best of Both Worlds: Top 10 Fast Family Cars

Range Rover in Autumn
Starting a family doesn’t have to mean switching down a gear when it comes to your car. On the contrary, you’ll be amazed at how many auto manufacturers offer family-friendly cars with track-inspired features. Read on as we spotlight the top 10 family cars that are fast, with options for every budget. And yes, you can absolutely strap a kid’s car seat into the back of a Porsche!

1. Volkswagen Golf R

The Volkswagen Golf R may be small, but it packs a punch underneath the compact body. Under the hood is a monstrous TSI engine that will take you from 0 to 62 mph in under five seconds. Wherever you need to be, the Volkswagen Golf R will get you there fast.

You won’t want to hit the top speed of 155 mph with the kids in the back seat, but you can definitely put this model through its paces on an adults-only drive. The 4MOTION all-wheel drive system offers lots of traction and control, while an impressive 977 litres of cargo capacity (including the boot and rear seats) offers plenty of room for all your luggage.

2. Porsche Taycan

If budget isn’t a barrier, it’s hard to look past the Porsche Taycan as one of the best family cars that are fast. We love the 4 Cross Turismo model, which combines sporty styling with a spacious interior and an extra-large boot. The powerful engine propels the car from 0 to 62 mph in a little over five seconds, so you’ll want to make sure your shopping is secure before you set off.

3. Mercedes AMG E-Class Saloon

If you’re looking for speed, the Mercedes AMG E-Class Saloon will knock your socks off with acceleration of 0 to 62 mph in just 3.4 seconds. It’s all thanks to a huge 612 horsepower engine designed to unleash serious power. Don’t worry, there are plenty of practical features packed into this beast.

The MBUX infotainment system makes getting from A to B a cinch. Perfect for if your Saturday morning involves trips to various different sports fields! Whether your kids insist on The Wiggles or Little Mix, the Burmester® surround sound system will make them sound incredible.

4. Audi RS6 Avant

The high-performance Audi RS6 Avant has well and truly earned its place on our countdown of the best family cars that are fast. From music lessons to football games, the 4.0-litre V8 twin-turbo TFSI engine will get you there in double time. To be more specific, you can hit 0 to 62mph in 3.6 seconds. Fold down the rear seats and you can unlock a huge 1680 litres of luggage capacity.

5. Mercedes-AMG A35 4MATIC

This sleek model combines design, performance and, you guessed it, family-friendly features. With a 421 horsepower engine and a top speed of 168 mph, it’s basically a supercar you can do the school run in. One thing’s for sure, it’ll definitely get heads turning as you pull up at the gate.

6. BMW M5 Competition

When it comes to performance saloons, it’s hard to look past the BMW M5 Competition. The outrageous BMW M TwinPower Turbo 8-cylinder petrol engine packs in a huge 625 horsepower and 750 Nm of torque. As well as being a great family car, it can get you from 0 to 62mh in a mere 3.3 seconds.

7. Audi e-tron GT Quattro

Powered by the same electric motor and battery as similar Porsche models, the Audi e-tron GT is more track-inspired than you might think. You’ll get from 0 to 62mph in just over four seconds. The spacious interior is perfect for growing families, making this one of the best family cars that are fast.

8. Citroën ë-SpaceTourer Electric

On the hunt for an electric MPV that ticks all the boxes? With space for nine people, the Citroën ë-SpaceTourer Electric offers enough space for your whole family, plus furry friends and extra luggage. It’s packed with safety features, making it a top choice for eco-conscious families.

Now let’s talk about speed. It doesn’t exactly offer the same lightning-fast acceleration times as other models in this roundup of family cars that are fast. But it is more than capable of maintaining speeds of 80mph. When you consider the size of this model, that’s a pretty impressive feat. Even better, you’ll enjoy a benchmark range of 136 miles. This makes it great for longer trips with the family.

9. BMW Alpina D3 S

If you love the idea of a family-friendly diesel car that doesn’t compromise on speed, you’ll adore the BMW Alpina D3 S. The Touring version is perfect for fast-paced families, with loads of storage space and a top speed of 168 mph. Put your foot down and you can take this model from 0 to 62mph in just 4.8 seconds. In just over 18 seconds you can hit 124mph – though, of course, not with little ones in the back seats!

10. Range Rover Sport SVR

Marketed as one of the fastest Range Rovers of all time, this model delivers big power from its 5.0 litre V8 engine. The muscular design immediately captures attention, with superior handling making it great for city driving and longer trips.

And let’s not forget performance. The supercharged engine brings a huge 575 horsepower to the table. Pair this with a top speed of 176mph and acceleration of 0 to 60mph in 4.3 seconds and the Range Rover Sport SVR is essentially a race car disguised as an SUV.

These family cars that are fast prove that family life doesn’t mean you have to slow down the pace. Ready to upgrade your tired estate car and get behind the wheel of something a little more exciting? Use our car finance loan repayment calculator to crunch the numbers and see how far your budget can take you. Whether you’re shopping for a second-hand MPV or a shiny new Range Rover straight from the showroom, we can help you pile your family into your dream car.

Rates from 9.9% APR. Representative APR 10.9%

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 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!

8 of the Most Economical Cars to Help You Save Money

Manin yellow top in a convertible car

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

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

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

Most economical electric cars

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

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

Fiat 500 Action

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

Vauxhall Corsa-e

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

Most economical hybrid cars

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

Toyota Yaris (and Yaris Cross)

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

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

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

Most economical diesel cars

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

Peugeot 208

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

Vauxhall Corsa

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

Most economical petrol cars

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

Peugeot 108

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

Citroen C1

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

Keep your car economical

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

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

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

Rates from 9.9% APR. Representative APR 10.9%

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 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!