Posh cars: upmarket models for less than you think

You don’t have to be David Beckham to get a bit of posh. Check out these affordable luxury cars with the all-important feelgood factor

Chris Rosamond
Mar 24, 2021

For some people, cars are a means of getting from A to B efficiently, safely and reliably. We’re OK with that, and BuyaCar is jammed to the rafters with great value, practical cars to suit all tastes. Sometimes though, it’s OK to treat yourself. We all deserve a bit of self-indulgence now and again, which in motoring terms means treating yourself to a car that’s a bit special.

Driving a posh car can cost you a packet of course - especially if you're looking at new cars - and that puts many people off. When you know where to look though - and when you're open to getting a used car - there are some startling bargains to be found.

Take advantage of PCP finance and an upmarket car could cost practically the same per month as a less desirable car, as what the car's worth at the end of the contract plays just as big a part in monthly payments as the initial price.

We’ve trawled through the BuyaCar ads to find our pick of posh cars that definitely shouldn’t cost you a packet to own - or at the very least may cost you a lot less than you might think. From small upmarket hatchbacks to SUVs, sporty coupes and luxury limos, our selection of posh cars proves you can drive in style without breaking the bank.

So sit back in your comfy soft heated leather seat, flip the cruise control on, turn up the flashy audio system and enjoy, as we run you through our list of some of the most affordable and desirable posh car bargains here on the BuyaCar website. Because you’re worth it.

Posh cars

1. Audi A1

Used deals from £8,995
Monthly finance from £168*

There’s no doubt the Audi A1 is a prince among small hatchbacks. It cleverly condenses all the allure of the German brand’s larger models into a pint-sized vehicle that oozes quality and class.

First launched in 2010, the A1 has been first among equals ever since, with only the Mini Hatchback really approaching it for upmarket appeal - but the Mini feels a bit juvenile in comparison thanks to its bolder, more retro style.

Although the A1 was replaced in 2018, the first generation’s long tour of duty means it has a sort of timeless appeal and there are plenty of used models to choose from. Even a four year-old model feels relatively contemporary, and will make you feel like you're driving something more upmarket than you actually are.

Which is great, because you can park a 2016 Audi A1 on your drive for not much more than £140 per month with PCP finance. Sure, it will have 30-50,000 miles on the clock, but that’s nothing for such a solidly engineered and built machine, and all your neighbours need to know is that you’ve got yourself a swanky little Audi.


2. Ford Fiesta Vignale

Used deals from £14,000
Monthly finance from £238*

There’s not much wrong with a regular Ford Fiesta, which regularly tops reviews for small family hatchbacks thanks to its practicality, crisp styling, engaging handling and good value. Then there’s the Fiesta Vignale, which does everything a regular Fiesta does but with a layer of added luxury that elevates the Fiesta from a simple shopping trolley to personal concierge service. Or at least it feels that way, even if you still have to lift your own Tesco carrier bags into the boot.

Basically the Vignale is a Fiesta with all the kit from the lavishly-equipped Titanium, plus a few choice upgrades that hike up the feelgood factor - and the showroom price. Thankfully, you don't have to worry about this if you get a used model, as prices are much more reasonable. Heated leather seats have a special quilted trim on the inside, while the exterior features a distinctive Vignale grille, 17-inch alloys and satin aluminium body accents to separate you from lesser mortals.

For new car buyers this all adds up to one ferociously expensive Fiesta - but something of a bargain waiting to happen on the used market. Expect to pay from around £200 per month for 2018 models, at which point the luxuriously appointed hatch starts to make much more sense.


3. Range Rover Evoque

Used deals from £20,095
Monthly finance from £305*

A full-fat Range Rover is the favoured car of HM The Queen, complete with a Labrador mascot bolted through the bonnet. With such a pedigree - the brand, not the dog - it’s no wonder that Range Rover decided to capitalise on its appeal with a new Evoque entry-level model ‘for the masses’ in 2012.

Not quite the masses, perhaps, as the Evoque was - and is - more expensive than most other SUVs of this size. However, having been around for so long now, it makes a great used option for buyers who fancy a bit of the upmarket luxury this striking car provides.

If you’re happy to settle for two-wheel drive (most Evoque drivers are) and 2.0-litre diesel power in well-equipped SE Tech trim, you can get yourself behind the wheel of this smallest of Range Rovers from around £260 per month. That sort of budget will get you a 2016 model and a suitably lofty driver's seat from which to sneer at Nissan Qashqai drivers.


4. Kia Stinger

Used deals Limited stock

Korean maker Kia’s bold attempt to take on the likes of the Audi A5 Sportback with a great-driving, great-looking coupe-style family car is been a surprising hit with reviewers and owners alike.

While the Kia badge on the nose means this sporty flagship model is unlikely to ruffle too many feathers at Audi or Mercedes, the Kia Stinger has loads of appeal for drivers who are more impressed by low windscreen sticker prices than inflated brand value. That means more posh-per-pound for you.

The Stinger’s already strong value new is accentuated further on the used market, when the combination of classy design and feel, lavish equipment and great driving characteristics becomes even more accessible.

For around £300 per month, you could enjoy the delights of a low-mileage 2019 diesel model. Your friends will be suitably impressed too, even if most of them won’t know what you’re driving.


5. DS 5

Used deals Limited stock

Something of an oddball, the DS 5 was the Citroen-owned luxury brand’s flagship model until the DS 7 SUV arrived. It never quite cut the mustard as a new car, as it had to beat supremely competent upmarket German rivals like the BMW 3 Series without being as…well, competent.

But the DS 5 has always had an upmarket feel inside and out, and a luxurious, spacious cabin that’s suitably cosseting on the motorway and very family friendly. The DS 5’s digital dashboard is particularly impressive from a contemporary design perspective, while high equipment levels guarantee a luxury feel. Even the basic Elegance trim gets luxury essentials like cruise control, dual-zone climate control and automatic headlamps, while Prestige trim adds xenon headlights, electric seat adjustment and a reversing camera.

That’s quite a haul, and you can enjoy the now discontinued DS 5 in Prestige trim from around £150 per month for a four-year-old car with 50,000-miles on the clock and desirable 2.0-litre diesel engine. That price means the DS 5 makes more sense now than it ever did as a new car.

6. Maserati Ghibli

Used deals from £27,590
Monthly finance from £414*

Yes, there aren’t many Ghiblis around, and secondly service and insurance costs mean the term ‘affordable’ may wear a bit thin after you’ve laid out your cash to buy or finance the Ghibli. So this is a bit of posh to enjoy with your eyes wide open.

Still, what a motor for £300 per month. That’s the ballpark for what you'll need to pay on PCP finance for a four-year-old Ghibli diesel. Not bad for a luxurious saloon that cost well over £50,000 new.

While it was never as solidly engineered or efficient as German rivals like the Mercedes E-Class or BMW 5 Series, as an executive express the Ghibli has an upmarket and exotic feel that delivers feelgood factor in spades.

It’s partly the cachet of the ‘supercar’ badge on the bonnet, but the luxurious interior has a distinctly special feel too, and frankly anyone with an ounce of passion for cars would get a thrill from having a Maserati fob dangling on their key ring. Watch out for steep Maserati dealer servicing costs, but find an independent Maserati specialist and even running a Ghibli could be fairly painless.

7. Jaguar XJ

Used deals from £26,453
Monthly finance from £462*

Here’s another luxury limousine that hasn’t managed to quite establish itself in the race for top reviews against formidable German opposition. Yet the Jaguar XJ is a beautifully appointed car that’s incredibly plush and comfortable to ride in, as well as being extremely rewarding to drive.

It’s being discontinued now, as Jaguar is focuses efforts on a Tesla-rivalling electric replacement, but that’s no reason not to take advantage of the superb value this magnificent car offers on the used market.

We have 3.0-litre diesel XJs on offer here at BuyaCar from as little as £365 per month for a four-year-old example. However the choice widens over the £400-per-month mark, when three-year old cars with less than 30,000 miles on the clock come into range.

That’s a seriously good deal for a luxury car of the big Jaguar’s quality and character, which should feel pretty much ‘good as new’.


8. Lexus RC

Used deals from £23,383
Monthly finance from £390*

Sharp looking Lexus coupes and cabriolets have always tended to maximise cruising appeal over sporty handling, unlike rival models from BMW, Mercedes, Porsche and Jaguar in Europe.

So you don’t see that many Lexus RCs around on UK roads, but for drivers who like their sporty looking cars to have a relaxed sort of opulence they’re hugely desirable - and decently affordable too.

The first thing that grabs you about the RC is its swoopy styling, and that impression is carried over to the interior which is impressively grand in terms of its design, equipment and opulent feel. It’s a lovely car to climb into, and for such a dramatic looking coupe, superbly relaxing to drive. It's also available in hybrid form for those who value economy over performance.

Four-year-old RCs are available on BuyaCar from around £280 per month on PCP finance, which looks like a bit of a steal. Bump the budget up to £450 per month, and you could get the keys to a one-year old example with around 10,000 miles on the clock. That’s serious bang for your buck.


*Representative PCP finance - Ford Fiesta:

48 monthly payments of £192
Deposit: £0
Mileage limit: 8,000 per year
Optional final payment to buy car: £2,923
Total amount payable to buy car: £11,926
Total cost of credit: £2,426
Amount borrowed: £9,500
APR: 9.9%

BuyaCar is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.


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