Best used car finance deals

Used car finance deals can often throw up really surprisingly low monthly payments – here are some of the most exciting

Matt Rigby
Jul 3, 2019

Choosing your next car is a really significant decision, and getting the best possible value for money is an important part of that.

Whether you need to haul a whole family on long road trips, whizz around town on shopping errands or make any excuse you can to head for your favourite quiet country road, you want to find the right car at the right price. And a good PCP finance deal can often be crucial.

Here, we’ve listed 10 used cars that could net you stand-out PCP deals on price points to suit budgets ranging from less than £100 per month to £500 per month.


Best used car finance deals

Used car finance deals under £100 per month

Volkswagen up!

Latest Volkswagen up! deals from £4,995
Finance from £91 per month

Volkswagen’s reputation for sensible, solid transport blends perfectly with cheeky small-car looks in the up!.

It feels really well put together, plus it’s good to drive with light and accurate steering. It copes well enough with our pockmarked city streets, too. The fact that there’s a surprising amount of room inside is the icing on the cake.
Volkswagen up! buying guide


Smart ForFour

Latest Smart ForFour deals from £4,979
Finance from £82 per month

Most tiny city cars (like the Smart ForTwo) only have three doors. The smart Forfour has five. This makes it much more practical for hopping around the city. And once you do get inside you’re greeted by a funky and quirkily appealing design.

If you want to stand out for not much outlay, this is a good bet.
Smart ForFour buying guide


Used car finance deals under £200 per month 

Mini Cooper

Our pick Mini Cooper Hatchback
Latest Mini Hatchback deals from £6,500
Finance from £103 per month

The Mini Cooper is enormous fun to drive. It feels eager, responsive and grippy, and is almost certainly going to put a smile on your face every time you drive it.

Just like the outside, the interior is retro-tastic, with a circular screen surround that dominates the dashboard, and toggle switches inspired by the original Fifties Mini. The whole thing feels like it’s made from top-quality materials, too. This version of the Mini is best for two people, though, as the rear seats are cramped and boot space is limited.
Mini Hatchback buying guide


Skoda Octavia estate

Latest Skoda Octavia estate deals from £8,499
Finance from £138 per month

One thing dominates your experience of a Skoda Octavia is just how big the boot is. It makes the boots of a Ford Focus or A VW Golf – even the estate versions – look rather small.

There’s plenty of space for people, too. And you can keep them entertained and comfortable thanks to generous equipment levels across the range. That includes Bluetooth for connecting your phone and climate control to keep the interior at just the right temperature – as standard on even the most basic models. The Octavia won’t cost the earth to run either, especially if you opt for a frugal diesel engine.
Skoda Octavia buying guide


BMW 3 Series

Latest BMW 3 Series deals from £10,495
Finance from £144 per month

Small premium saloons aim to deliver a classy and sporty driving experience. None are quite as classy, or as sporty, as the BMW 3 Series. We’ve picked the previous version here rather than the all-new model, as there are loads of them to choose from, and you tend to get a better bang for your buck.

Last-of-the line petrol or diesel models are available for less than £300 per month, but it's hard to beat the efficient, smooth and quiet 320d as an all-round choice. However, if you do fewer than 12,000 miles per year you might be better off in the impressively zippy 320i petrol.
BMW 3 Series buying guide


Used car finance deals under £300 per month

Mercedes E-Class

Latest Mercedes E-Class deals from £17,980
Finance from £241 per month

The Mercedes E-Class is beloved of professional chauffeurs, and it’s easy to understand why. It offers loads of boot space and interior space, it’s beautifully built, and it’s such a relaxing car to drive that big mileages just melt away. Should you need an even larger luggage area, there’s the cavernous E-Class estate, too.

Go for a current generation (2017 or newer) saloon car in base SE specification. This has plenty of equipment, but nothing fancy like ash wood inside or big alloy wheels on the outside. The diesel engined E250d is the one to pick – the cheaper and more frugal E220d is too slow for most people.
Mercedes E-Class buying guide


BMW i3

Latest BMW i3 deals from £15,490
Finance from £268 per month

BMW’s electric i3 was a revolutionary small car when it was launched back in 2013. And its advanced electric power, plus a futuristic design inside and out mean it’s still a very modern-looking machine.

It can be bought as a pure electric car or with a tiny petrol engine to accompany the electric power. Theoretical range of the pure electric i3 runs to 188 miles, while the range extender officially extends range to 276 miles. Real world figures will be less, mind you.
BMW i3 buying guide

Range Rover Evoque

Latest Range Rover Evoque deals from £17,000
Finance from £246 per month

The relatively small – and affordable – Range Rover Evoque brought the desirable Range Rover badge into the reach of many more buyers. And although it’s not as luxurious or capable off-road as its bigger brothers, the littlest Range Rover still cuts a dash on the road – and can go much further off it than you’d expect, too.

Petrol-engined versions are thirsty, so we’d go for the diesel models – there are lots more of those around, too.
Range Rover Evoque buying guide


Used car finance deals under £400 per month

Volvo XC90

Latest current-generation Volvo XC90 deals from £26,000
Finance from £377 per month

Big SUVs don’t come much safer than the Volvo XC90. Yet these seven-seated beasts are also stylish, refined, comfortable, and quiet. It’s a pretty compelling choice if you’re after a large used luxury SUV. That’s still true, despite the current model having been around since 2015. Of course, that means there are plenty of examples to choose from… which helps keep costs down.

Momentum trim cars offer a great level of spec for the money. All XC90s come with an eight-speed automatic gearbox and permanent four-wheel drive.
Volvo XC90 buying guide


Honda Civic Type R

Latest Honda Civic Type R deals from £27,000
Finance from £373 per month

It ain't subtle. But it is an awful lot of fun. Underneath the crazy wings and origami styling creases lies a turbocharged 2.0-litre petrol engine that makes 316bhp. That’s the sort of power you’d have got in a Porsche 911 15 years ago.

Then there’s the trick adaptive suspension. Honda’s engineers have somehow made the Type R’s suspension fairly pliant (for a hot hatch at least) around town, yet extremely planted and sporting when let loose on winding roads.
Honda Civic buying guide


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