The best luxury cars - on a budget

Whatever your budget, we have luxury cars for sale to suit every taste - from super SUVs to grand saloons and upmarket hatchbacks

Chris Rosamond
Jan 30, 2021

High-end cars might have seriously big price tags when new but all that means is that they have more value to lose as a used purchase and typically depreciate faster than cheaper models. This favours the bolder used car buyer - those who are inclined to indulge their taste for luxury and performance models instead of making do with more mainstream options.

That’s because the cars that come with premium pricing new tend to lose value faster than those more mainstream models which may be in greater demand on the used market. This isn't always the case - very rare supercars might even go up in value as they get older - but generally speaking drivers splashing out on brand new luxury cars pay a higher price for indulging their whims at resale time, which means used car buyers can net some terrific deals.

To illustrate the point, we’ve rounded up some of the best deals available on BuyaCar at a range of price points between £20,000 and £75,000 that offer serious luxury. We’ve included everything from small upmarket family hatchbacks to sophisticated saloons and desirable SUVs, which together give a flavour of the wide range of luxury cars for sale today.

Of course you don’t need to take our advice. You can find plenty of upmarket but affordable car choices on BuyaCar using our comprehensive search tool, which lets you filter exactly what you're looking for. Search by make, model, year, body style or engine size - or a whole raft of different parameters, including cars with heated seats, panoramic sunroofs or reversing cameras with the 'Keyword search' - to find one that perfectly suits your own needs and desires.

If you want to stretch your luxury car budget as far as possible, you can even search by monthly budget on PCP finance, which offers lower monthly payments than an equivalent Hire Purchase contract or car loan. Just remember that if you want to own the car at the end of the contract with PCP you'll need to make the large optional final payment to take ownership. However, as a result, it's amazing how far a relatively small monthly budget can take you, as our selection below should demonstrate.

Luxury cars for sale

Luxury cars for £20,000

1. Mercedes A-Class

Used deals from £15,780
Monthly finance from £231*

The smallest Mercedes model has become extremely popular with those after an upmarket hatchback, and for very good reason. It looks expensive thanks to its dramatic design with a very prominent Mercedes star on the grille, while the striking interior design creates a high-tech cabin ambience that puts many rivals in the shade.

It’s supremely comfortable and good to drive, but you’ll also be impressed with the range of technology the A-Class displays. The entertainment and information functions are displayed across a pair of seven-inch screens as standard, and features like a very slick voice recognition system and digital instruments help to give the car an impressively cutting-edge feel.

There’s plenty of kit on the entry-level SE A-Class models, but opt for Sport trim for LED headlamps and a slightly sharper look or AMG Line, which adds a more overtly sporty look inside and out.

A £20,000 budget could put you in the driving seat of a 2019 A-Class SE with less than 10,000 miles on the clock, or an AMG Line car with a few more miles - and whichever you opt for, there should be plenty to choose from. Both could work out at less than £300* per month on PCP finance, with older models available with much lower monthly payments.


2. Lexus CT

Used deals from £16,590
Monthly finance from £289*

The Lexus CT is an attractive used car proposition and a good value alternative to rivals like the BMW 1 Series and Audi A3. As well as being beautifully built, and with an absolutely peerless reputation for reliability, the CT comes with only a single engine option – a 1.8-litre petrol-electric hybrid format that makes it very cost effective to run. You get a small battery pack and electric motor that provides assistance to the petrol engine, but cannot power the car by itself for long and can't be charged manually as with a plug-in hybrid.

The luxurious Lexus takes a different approach to many of its mainly German rivals, and doesn’t sell itself on providing the most sporty driving feel. Instead, it offers a much more relaxing drive. The latest models feature an attention-grabbing grille (as shown in the image above), that you may love or hate. If it's not for you, check out older versions.

Once ensconced in the cabin you’ll find an ambience that’s as cosy as anything in the class. You certainly won’t want for technology either, as even the most basic CT is dripping with goodies like dual-zone climate control, sat-nav and a touchscreen seven-inch media system.

Here on BuyaCar £20,000 could put you in a year-old car with just a few thousand miles on the clock, or a very highly specced 2018 model with all the bells and whistles you could want.


Luxury cars for £25,000

3. Jaguar XF

Used deals from £17,999
Monthly finance from £293*

Launched in 2015 as the latest weapon in Jaguar’s war with the Mercedes E-Class and BMW 5 Series, the second generation XF has always lived somewhat in those models' shadow. Nonetheless, it’s a highly desirable car in its own right, offering a truly luxurious cabin, sporty driving characteristics and sleek styling that really stands out.

A facelift in 2020 saw the interior updated, including a significant upgrade to the touchscreen media system, and introduced hybrid power. Earlier cars are not quite as impressive, and lose out to their German BMW and Mercedes rivals which offer a more techy feel in the cabin. However, for drivers who are attracted by the bespoke luxury feel of the Jaguar’s interior, and its impressively smooth ride and agile driving characteristics, the XF makes a fantastic used car purchase.

A new one costs from more than £32,000 these days but £25,000 is more than enough to put you behind the wheel of a 2020 pre-facelift XF 2.0d diesel in desirable R-Sport trim, or a 2019 2.0-litre petrol with very low miles.


4. Audi A4

Used deals from £13,500
Monthly finance from £241*

If you like a more techy take on your luxury motoring, then the Audi A4 is a good place to look. Introduced in 2015, the current model is a technical showcase conceived by some of the VW Group’s top geeks, and even the entry level Technik trim is well endowed with goodies. A 10.1-inch touchscreen media system and Audi’s striking ‘Virtual Cockpit’ digital dials are both fitted as standard.

There’s an array of safety and driving assistance tech available on the A4 range too, including the sophisticated 'quattro' four-wheel drive system, which is available across a range of petrol and diesel models and provides maximum grip in poor driving conditions.

While it’s not quite as much fun to drive as the BMW 3 Series or Jaguar XE it’s still enjoyable to drive and the A4 excels in a number of other areas. It’s superbly screwed together, has a genuinely premium feel and is spacious. There’s a good choice of petrol and diesel engines too, making the A4 a fantastic used car choice, whether you're after maximum economy, performance or a mix of both.

A £25,000 budget could get you behind the wheel of a nearly new 2020 A4 Technik 35 TFSI petrol version with just a few hundred miles on the clock, or a more luxurious 2019 Black Edition with fewer than 10,000 miles on the clock.


Luxury cars for £30,000

5. Volvo XC60

Used deals from £15,450
Monthly finance from £321*

If you want the luxury and space of a mid-size SUV, it’s hard to beat the excellent Volvo XC60 for pure feel-good factor. Instead of pursuing the sporty theme of rivals like the Audi Q5 and BMW X3, the Volvo focuses instead on offering a stunning modern design inside and out, that really can make those rivals feel a bit bland.

The Volvo special sauce is its Scandinavian design, and the cabin presents a purity and simplicity that belies the cutting edge tech hiding behind its big portrait-orientated touchscreen media systemy. Materials and build quality are first class too, and the XC60 comes across very much as the expensive flagship Volvo XC90 SUV distilled into a more manageable size.

Equipment levels are lavish, with even the entry level Momentum trim giving you sat-nav, climate control, cruise control and digital instruments. R-Design trim gives you a sportier look with bigger wheels, and twin exhausts plus a more sporty interior feel.

A new XC60 R-Design starts from almost £43,000 today, but £30,000 is enough to secure you a 2019 2.0-litre D5 diesel version with around 10,000 miles on the clock.


Luxury cars for £40,000

6. BMW X6

Used deals from £27,795
Monthly finance from £454*

The idea of a luxury SUV coupe raised a few eyebrows when BMW introduced the idea in 2008, but the X6 has proved popular around the world. Here in the UK, its unusual looks and grand scale mean it’s as ostentatious a choice as it is luxurious, and relatively few people opt for what is effectively a less practical version of the BMW X5.

However, in spite of the swooping rear roofline, there’s plenty of room in the X6's back seats, and the car lives up to its dramatic looks with a range of potent engines that mean even the entry-level model can take on a typical hot hatch in the performance stakes. The top-of-the-range X6 M version, meanwhile, is a super-rapid weapon with its 600hp engine.

You can’t get near the M version with £40,000 to spend, but you could get a two-year old diesel xDrive40d M Sport model that looks the part and offers still strong performance from its 3.0-litre engine. That's a big saving considering that even the least expensive brand new BMW X6 would set you back £62,000 today.


Luxury cars for £50,000

7. Range Rover

Used deals from £45,948
Monthly finance from £646*

The original 1970s Range Rover might have been an off-road workhorse, but even then it was a posh one. Over the years, every succeeding model has ramped up the luxury and opulence to the point that modern Range Rovers are effectively competing with high-end limousines like the Mercedes S-Class.

Prices have spiralled too, helped by the increasing numbers of more affordable models below it, like the Range Rover Evoque, Range Rover Sport and Range Rover Velar, not to mention the move upmarket of supposedly more value-oriented models like the Land Rover Discovery and Land Rover Discovery Sport.

As a result, new Range Rovers today cost at least £84,000 for the ‘entry-level’ Vogue, while you can pay an incredible £180,000 for a top-of-the-range SV Autobiography.

Happily, you don’t need an enormous budget to get a used model. £50,000 is enough to put you behind the wheel of a three-year old 3.0-litre TDV6 Vogue diesel with average mileage - a handy saving of more than £30,000 on the price of a new one.


Luxury cars for £75,000

8. Mercedes SL

Used deals from £28,650
Monthly finance from £511*

There’s a brand new Mercedes SL due out next year so sales have wound down for the outgoing model, but that means it's a good time to get a great deal on the outgoing car.

There’s not much wrong with the soon-to-be superseded model to be fair, especially since a 2016 nose-job gave the design a bit of added style. The SL has always been more of a high-performance cruiser than an out-and-out sports car, and as such it's perfect for conveying two people and their luggage in serene comfort and opulence, however far they wish to travel.

While all SL variants pack a punch, the fun really starts with the high-performance AMG-tuned versions, which were offered most recently with mighty 571hp V8 and 630hp V12 engines, badged the SL63 and SL65 respectively.

If you can stretch to £75,000 you can get behind the wheel of a 2019 AMG SL63, which is a car that would have cost the best part of £120,000 when new. For the money, that’s a blend of luxurious performance and prestigious image that’s hard to beat.

*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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