Posh cars: upmarket models for less than you think

You don’t have to be posh to drive a posh car. Check out these affordable models from luxury brands with that important feel-good factor

Chris Rosamond
Dec 6, 2021

While some owners just want a car to get from A to B, BuyaCar is also here for those who want to treat themselves to something a bit special. We all deserve a bit of self-indulgence after all, and for those of us spending lots of time behind the wheel, a great experience can make all the difference.

There's a misconception that driving a posh car from a luxury car brand will cost a packet, and while that may be true for new cars, it's not for used models. Once you know where to look, some real bargains are easy to find.

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 fortune 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 saloons, our selection of posh cars proves you can drive in style without breaking the bank.

So sit back in your comfy heated leather seat, flip on the cruise control, 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 £7,800
Monthly finance from £205*

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. Compared with the slick Audi, 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 and clever design means it has a timeless appeal, and there are plenty of used models to choose from. Even a four-year-old A1 looks relatively contemporary and will make you feel like you're driving a more upmarket model than your bank account would suggest.

This is great, because you can park an early Audi A1 on your drive for not much more than £150 per month with PCP finance. Sure, it will have around 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 £13,588
Monthly finance from £0*

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.

The Vignale receives all the kit from the lavishly-equipped Titanium, plus a few choice upgrades that hike up the feel-good 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 seats finished in leather have a special quilted design, 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 a rather pricey Fiesta - but something of a bargain waiting to happen on the used market. Expect to pay from around £200 per month for an example a few years old, at which point the luxuriously appointed hatch starts to make much more sense.


3. Range Rover Evoque

Used deals from £12,441
Monthly finance from £341*

The Range Rover is the favoured car of HM The Queen, complete with a Labrador mascot bolted through the bonnet. With such a pedigree 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 £300 per month. That sort of budget will get you an early model and a suitably lofty driver's seat from which to survey other drivers.


4. Kia Stinger

Used deals from £22,950
Monthly finance from £0*

Korean brand Kia’s bold attempt to take on the likes of the Audi A5 Sportback with a great-driving, great-looking coupe-style family car has been a surprise 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 when new is accentuated further on the used market, where the combination of classy design and feel, lavish equipment and great driving characteristics becomes even more accessible.

From around £300 per month, you could enjoy the delights of a low-mileage 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 from £9,000
Monthly finance from £244*

Something of an oddball, the DS 5 was the Citroen-owned luxury brand’s range-topping 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 cabin that’s suitably cosseting on the motorway and 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 £200 per month for a five-year-old car with 50,000-miles on the clock and a 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 Limited stock

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 from around £450 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 a 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 from their keyring. 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 £12,800
Monthly finance from £535*

Here’s another luxury limousine that hasn't achieved quite the same reputation as its 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 focuses its 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 £450 per month. However, the choice widens over the £600-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 £21,980
Monthly finance from £393*

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.

Lexus RCs are a fairly rare sight 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.

Early RCs are available on BuyaCar from around £400 per month on PCP finance, which looks like a bit of a steal. Bump the budget up to £550 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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