Can You Use Your Own Car for a Driving Test?

Woman using her own car on driving test

If you’re learning to drive, you might feel more comfortable taking your driving test in a car you feel familiar with. Whilst many drivers choose to use the instructor’s vehicle, you might be wondering, ‘can you use your own car for a driving test?’ In this article, My Car Credit will answer this question – and explain all the requirements and exceptions involved.

Can I use my own car for a driving test?

In most cases, there will be no issues with using your own car, but there are some requirements it will need to meet. To qualify, your car must:

  • Be taxed
  • Be roadworthy – and have an up-to-date MOT if it’s over 3 years old
  • Be insured for a driving test
  • Have no warning lights showing on your dashboard
  • Have tyres with no damage and the legal tread depth on all four tyres (This means you cannot have space-saver spare tyres)
  • Have 4 wheels and a maximum authorised mass of 3,500 kg or below
  • Have an mph speedometer
  • Be able to reach 62mph
  • Be smoke-free – so you shouldn’t smoke in the car just before or during the test

Required fittings

To use your own car for a driving test, you will need to add several fittings to the vehicle. These include:

  • An additional rear-view mirror for the examiner to use
  • L-plates displayed clearly on the front and back of the car
  • A passenger seatbelt and head restraint (not a slip-on type)

You can utilise a camera or dash cam for insurance purposes. However, these must face the outside and not film or record audio from inside the car.

Exceptions for using your own car

If you’re wondering ‘can you use your own car for a driving test?’ – the answer is usually ‘yes’. However, there are certain cars that you can’t take your test in, as these models will prevent your instructor from having all-round vision.

These vehicles include:

  • BMW Mini convertible
  • Ford KA convertible
  • Toyota iQ
  • VW Beetle convertible

There are other vehicles that may not be suitable, so you should always check with the DVSA first.

If your car model has been part of a recall, you will need to prove it is safe for use in the test. You can do this by providing evidence from the manufacturer or dealer that shows:

  • The car recall work was completed successfully
  • After a recall, it was found that no work was required
  • The specific car you’re using for the test was not recalled

Coronavirus safety measures

To prevent further spread of the coronavirus, you’ll need to clean the inside of your car before the test. This will include removing rubbish, along with cleaning and wiping down internal surfaces and seating. The examiner may also need to perform some additional cleaning.

At least one window should be open on either side of the car during the test.

Ready to get driving?

If you’re excited to get started with your first car, there are many things to consider, including how you’ll take your driving lessons and test.

Another factor to be aware of is your credit, which will have a big impact on whether your finance application is accepted and how much interest you’ll pay. Learn more about car finance eligibility with My Car Credit and make the first strides towards your dream car.

Rates from 6.9% APR. Representative APR 13.9%

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 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,176.24, total amount payable is £9,676.24.

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.

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 to Look for When Buying a First Car?

Young man driving car with window down

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

New vs second hand

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

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

Mileage and wear and tear

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

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

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

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

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

Petrol powered vs electric

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

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

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

Opting for old favourites

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

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

A good finance deal

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

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

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

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

Rates from 6.9% APR. Representative APR 13.9%

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 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,176.24, total amount payable is £9,676.24.

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.

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 a UK Provisional Licence?

Young man happy he can get a car on a provisional licence

Whether you’ve always been a keen motorhead or you just want to get familiar with a particular car prior to taking your test, there are various reasons why learner drivers might want to buy a car before they’ve passed.

Read on as we answer the frequently asked question, “can I buy a car with a UK provisional licence?”

Can you buy a car with a UK provisional licence?

The great news is that yes, you can buy a car with a UK provisional licence. However, the DVLA (Driver and Vehicle Licensing Agency) does have legal obligations for car ownership that must be fulfilled – no matter what kind of licence you have.

As well as ensuring that you have your provisional licence, you must also have your MOT certificate, up-to-date vehicle tax, and your vehicle log book (known as the V5C). You must also ensure that your vehicle is roadworthy and is registered with the DVLA itself.

Remember, that with a provisional licence, you cannot drive the car. You’re only able to do so provided that you are accompanied by someone with a full driving licence, and there must be ‘L’ plates displayed. The insurance must cover both people in the car, too.

Bear in mind that most car finance companies won’t approve a finance deal with a driver who only has their provisional licence. It’s seen as too great a risk.

What car should you buy?

It’s important to go for a car that can get scratched up. Smaller cars with good fuel efficiency and small engines are best – and these also tend to be cheaper to insure.

Do your research on the best kind of vehicles for beginners, and stick to those – don’t dream too big. You may find family or friends selling old models at a discounted rate. As you know them, they’re less likely to deceive you about the car’s quality or safety, and they may offer price reductions if you’re lucky.

Alternatively, you could even look out for the exact model that you learn to drive in. That way, you won’t be thrown by any changes between different makes of car.

Why buy a car when you can’t yet drive?

It might seem strange to buy a car when you only have your provisional licence, but there are logical reasons for why you might want to do so.

Insurance

Finding insurance as a new driver can be tricky, and it can be more complex depending on factors like your age and gender too. By purchasing a car whilst you’re still learning, you’re giving yourself time to research the right insurance policy for when you’re hitting the roads without a fully-licensed companion.

Familiarity

As we touched on above, purchasing a car that’s the same as your instructor’s means you won’t be thrown by difference between models and makes. Similarly, if you practice driving in a car with a provisional licence (with a licensed driver also in the vehicle), you’ll be more confident to hit the road on your own once you’ve passed your test.

Your first car after passing

When you pass your test, and your provision licence is swapped for a full one, you may well want to swap your learner car for something a bit nicer too. That’s where My Car Credit can help.

Check for car finance without affecting your credit rating, then get a quote that’s tailored to your credit score and affordability. You’ll be able to upgrade your learner car in no time, without breaking the bank!

Rates from 6.9% APR. Representative APR 13.9%

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 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,176.24, total amount payable is £9,676.24.

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.

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 Pros and Cons of Black Box Car Insurance

Car on the motorway with black box insurance

You’ve likely heard of black box car insurance, but you may be wondering what it actually is, how it works, and how it could benefit you. If that sounds about right, then read on – this article is here to break down these questions, helping you to make the best decision according to your needs.

What is black box car insurance?

Essentially, black box insurance – which is also known as telematics – is a policy that some insurers may offer as a way of effectively monitoring your driving. Younger drivers who’ve just passed their test or drivers with less experience will tend to be offered black box insurance as a potentially cheaper option for insuring their vehicle.

Once the black box is installed in the vehicle, it uses GPS to generate information on your driving. That way, your insurer will monitor and set your premiums based on how you drive, rather than blanket policy or general statistics. The data that black boxes collect include braking, cornering, speed, mileage, and the time of day you drive. You’ll be given a driving score which you can see online, and your insurance price is then personalised depending on your driving habits.

Drivers who prioritise safety, drive responsibly, and take fewer risks will be rewarded with lower premiums. Depending on your insurer, these might be adjusted on either a monthly or yearly basis.

Black box car insurance – the lowdown

So, is black box insurance really worth it? We break down the potential benefits and disadvantages:

Black box advantages

Cheaper insurance for young drivers

For drivers who’ve recently passed their tests, black box insurance has significant appeal. It’s just a fact that insurance is more expensive for young drivers. A great way to avoid this is to use a black box, which will quantifiably measure driving habits and reward conscientious drivers with lower premiums. After a year of driving with a black box, it’s also not unusual to see premiums reduce by as much as 60% – a hefty reduction with serious appeal.

Great for convicted drivers

The premium on insurance policies is based on a driver’s history. Convicted drivers can therefore end up with expensive insurance as a result. A black box will record how you drive in the moment, thereby proving you’re a safe driver. This will then result in lower premiums.

Lower premium for drivers

If you’re a particularly careful driver, black boxes will reward you with significantly lower premiums. Plus, you’re likely to be more conscious of how you drive overall, resulting in safer, less risky behaviour.

Anti-theft

Because black boxes use GPS to track your car location, they also work to deter theft, as would-be burglars will likely think twice before stealing a vehicle. What’s more, if your car is stolen, it will be easier to recover.

And the disadvantages

Curfews

If you’re someone who frequently drives at night or during rush hour, you might get frustrated with black box insurance. Accidents tend to happen at nights, so some black box policies impose a curfew where you’ll be penalised for driving beyond a set time. Breaking this may result in higher premiums.

Journey restrictions

Black box insurance can impose restrictions on journey numbers and lengths. This is because statistically, the more and longer you drive, the more likely you are to have an accident. But it can result in restrictive policies, which may not suit your particular circumstances.

Fees

You’ll likely have to pay for a licensed installer to both put the box in and remove it at the end of your policy. Plus, if there’s any damage incurred to the device, you’ll also have to fork out to cover that, too.

Named drivers

Be aware that the box can’t tell who’s driving or when. It’s therefore worth being sure that any other drivers insured on the car are going to be as careful a driver as possible. This will avoid unnecessary price hikes on your premium.

Making driving affordable

Black box insurance is just one of the ways to make driving a car more affordable. That’s certainly something we’re familiar with at My Car Credit, as one of the leading car finance brokers for UK drivers.

With our help, you can spread the cost of your new car with affordable monthly repayments. Use our car finance calculator to get an idea of how much you can borrow or call our car credit specialists on 01246 458 810.

Rates from 6.9% APR. Representative APR 13.9%

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 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,176.24, total amount payable is £9,676.24.

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.

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’s the Best Car for New Drivers in 2020?

Man trying out the best car for new drivers

Congratulations! You’ve just passed your practical driving test and are looking to purchase your first car. Before you gear up to pick up friends, drive off on adventures and enjoy freedom on the roads, you’ll need to make some decisions about your first vehicle.

Whether you’re a struggling student or a mature new driver, there are many cars on the market today that are practical, safe and won’t break the bank to purchase. If you don’t have thousands in savings to spend on your first car, you can also consider a car finance quote. This allows you to break down the cost of a vehicle into manageable payments. 

So, what is the best car for new drivers this year? We’ve made things a little easier by rounding up our top choices for first-time motorists.

6 top picks for your first car

1.    Ford Fiesta

Some things don’t change. The Fiesta remains one of the UK’s best-selling vehicles of all time and is a popular choice among new drivers. It’s great to drive and inexpensive to run if you choose a small petrol engine. It’s also cheap to tax as it falls into tax band A. If you’re looking for a brand-new vehicle, it could cost you just over £10,000, but used or pre-owned models tend to start around £5,000.

The innovative MyKey system (2012 and newer models) lets safety-conscious parents limit the radio volume and maximum speed of the car, making it an excellent vehicle for new drivers who have just passed their test. To underline its safety credentials, Fiestas made since 2008 have scored five stars in the Euro NCAP tests.

It’s also worth noting that Ford has relatively cheap parts in comparison to other brands on the market. That means if your car does need any repairs, it won’t break the bank to get you back on the road. Coming in at an incredibly affordable price and with safety tech to boot, this vehicle is the best car for new drivers 2020.

2.    Renault Clio

The compact and stylish Clio hatchback has been a favourite among UK drivers for years because of its sporty exterior and pocket-friendly cost. It’s sleek, fun, practical and fits four passengers comfortably. Newer models come with automatic headlights and windscreen wipers, and a 7-inch touchscreen for a more intuitive drive.

As well as being well-suited to style-conscious drivers, the Clio is a reliable performer. If you have a budget that can stretch to £6,000, it’s possible to pick up a newer model with cruise control, Bluetooth connectivity and the Renault Bass Reflex sound system.

3.    SEAT Ibiza

As a safe and practical car, the SEAT Ibiza is well-known for being a great first car. It is excellent value for money – ideal for those looking to save a few pennies by purchasing a cheaper vehicle. This vehicle is loaded with tech that attracts the younger audience, too. There is pedestrian detection with auto braking, wireless charging for smartphones and adaptive cruise control. Even Apple CarPlay and Android Auto is included from the entry SE model.

The interior of the Ibiza is spacious, meaning it is more than capable of transporting a car full of adults. If you’re a student, you can pack in all your apartment essentials when moving in or out.

This sporty vehicle tends to be in high demand because of its design, responsive handling, and three-cylinder engine. Opt for a smaller engine, such as a 1.2-litre model, and you’ll typically fall into an affordable insurance group too.

4.    Hyundai i10

The i10 is the smallest vehicle Hyundai makes. What it lacks in size, however, it sure makes up for in value. It truly feels like a city car, complete with a narrow width for slotting into tight car parking spaces, great visibility and poised handling. With electric windows and a decent stereo, you get the essential gear at an affordable price.

The vehicle is a great choice for first-time drivers because it helps to build confidence. It can handle high speed on motorways with ease and is easy to nip down city streets, feeling light under your feet. This makes it fun to drive. Where other cars feel wobbly and uncertain, the Hyundai i10 is stable and self-assured. All in all, it’s an enjoyable all-rounder that will help to new drivers gain confidence.

If you’re going to be spending a lot of time on motorways, consider finding a 1.2-litre model with 86bhp. It has a quicker 0-60 speed of 12.1 seconds and is capable of handling longer journeys. Although Hyundai has just released an all-new i10, you can look for second-hand models that are more affordable.

5.    Toyota Yaris

By far one of the best value cars, the Toyota Yaris is wonderful for drivers of all ages, including those new to the roads. It is easy to drive, has great ride quality and is outstandingly reliable. In addition to the Euro NCAP five-star rating, this vehicle is a safe and practical choice.

Thanks to its fuel efficiency, the Yaris is a relatively affordable car to run. If you’re looking for a vehicle on a shoe-string budget, the 1-litre engine is one of the cheapest cars to insure. The older models are dirt cheap, and for a five-year-old model with a decent number of miles on the clock, you can expect to pay around £6,000. Newer models are extremely trendy, vibrant and offer hybrid options. However, you can expect to pay significantly more.

6.    Audi A3

For those drivers who are looking to dive into the luxury segment straight away, the Audi A3 is a great first car. It’s a classy compact vehicle that boasts well-designed interior spaces and offers a punchy, responsive drive. The size makes it ideal for both city and rural drivers. What’s more, its handling makes navigating busy car parks and country lanes a breeze.

New drivers can expect to pay around the £7,000 mark and above for a used Audi A3. This is whilst enjoying attractive fuel economy and reasonable insurance premiums.

Cruise the open road in your first vehicle

Ready to get behind the wheel of your first vehicle? At My Car Credit, we want to make securing car finance simple and accessible when you’re purchasing your first vehicle.

To find out how we can get you on the road, give us a call on 01246 458 810 or drop us an email at enquiries@mycarcredit.co.uk. One of our knowledgeable team members will get back to you as soon as possible.

Rates from 6.9% APR. Representative APR 13.9%

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 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,176.24, total amount payable is £9,676.24.

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.

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!