Best value used electric car finance deals

With zero tailpipe emissions and low running costs, a used electric car can be a great-value proposition. Here are our favourites

John Evans Matt Rigby
Dec 7, 2021

Trying to find the best value deals on used electric cars? Buying an electric car can be more confusing than if you were to pick a petrol or diesel alternative, but it's very possible to get hold of a great quality and hugely economical electric with a little bit of research. Some of the cheapest used electric cars are far more affordable than you might think, too.

If you're set on buying an electric car, you’ll need to think about battery range and charging times, which can be a little tricky to work out as some models will quote figures based on the old-style NEDC economy test standard and others with the newer and more accurate WLTP regulations. For reference, WLTP figures generally give you a range that is about 20 miles less than you’d get with an NEDC one. Manufacturers should quote which standard their car has been measured against, however, so keep an eye out for that.

Additionally, some electric car finance offers include the battery in the price while others may require you to lease it separately. The previous-generation Renault Zoe featured here offers both options, although Renault withdrew the battery leasing option from early 2020.

The good news is, as many new electric cars lose value faster than petrol and diesel alternatives, used electric cars are generally much better value for money than their new equivalents - both in cash and finance terms.

On top of that, an electric car is almost certainly going to be cheaper to run than a petrol or diesel car, especially if you're able to recharge at home. So keep reading for our roundup of the best used electric cars that should prove similarly to cheap to finance and to run.

Best value finance deals for electric cars

1. Renault Zoe i Dynamique Nav R110 40kWh

Monthly finance from £0*
Battery lease
Battery included
Charging time Public charger 7-8hrs; Home charge/wall box 2hrs 40mins; Fast charger 1hr 40mins
Range (WLTP) 186 miles

When the Renault Zoe was launched in 2013, at first glance you'd be forgiven for missing the fact it was an all-new electric car, such was its unassuming, low-key appearance. It’s since gone on to become Europe’s best-selling electric car, receiving regular updates and increases in range and power.

Used finance deals for the Zoe start at £0, but since it's been continually improved we'd pay more for a more recent version, such as the Zoe i Dynamique Nav R110 40kWh.

You can pick up a 2019 model for £0 per month with a personal contract purchase (PCP) finance deal. The 'i' in the name indicates the battery is included in the price of the car - unlike with the model below, where you have to lease it separately.

2. Renault Zoe Dynamique Nav R110 40kWh - with leased battery

Battery lease From £59 per month
Charging time Public charger 7-8hrs; Home charge/wall box 2hrs 40mins; Fast charger 1hr 40mins
Range (WLTP) 186 miles

If you ditch the 'i' and go for a standard Dynamique, you will find yourself in need of a battery lease. The cost of this lease will be linked to your mileage, so the more miles you do, the more expensive the battery is. The figure above is based on 6,000 miles a year.

The good thing about leasing your battery is that, if you have any problems or the amount of charge it holds falls below a set level, Renault will replace it for you.

3. Nissan Leaf Tekna 40kWh

Monthly finance from £0*
Battery lease
battery included
Charging time Domestic socket: 21hrs, 7kW wallbox: 7hrs 30mins, 50kW quick charger: 20-80% 1hr
Range (WLTP) 168 miles

The Nissan Leaf was the car that kickstarted the move towards mass market electric cars. We’ve chosen to highlight the second generation version launched in 2018. It’s better looking and better all-round than its predecessor.

Its range trails the Zoe’s, but it’s a roomier and more comfortable car, and 168 miles per charge is certainly not disastrous. We'd recommend an early second-generation model; we have used examples from £0 with PCP finance available on BuyaCar.

If the range really is an issue, there’s also the Leaf e+, which has a 62kWh battery and a WLTP range of up to 239 miles.


4. BMW i3 94Ah

Monthly finance Limited stock
Battery lease
Battery included
Charging time Rapid 50kW 0-80% 35mins; Fast 22kW 0-100% 3hrs; Fast 7kWh 0-100% 4hrs 30mins
Range (NEDC) 194 miles

The BMW i3 combines a sporty driving experience with a distinctive design embodying cutting-edge materials and a practical interior. For this reason it’s not the cheapest electric car you can finance, but it is one of the most satisfying.

It was updated in 2016 with the arrival of a more powerful electric motor and a longer range. BuyaCar has 2017 examples starting from  per month with PCP finance - we think the 94Ah models are the ones to go for.

One advantage of an electric vehicle over a conventionally-powered car is the lower number of moving parts, which means there's less to go wrong. As a result, BMW i3s with reasonably high mileages are a common sight.


5. VW e-Golf 35kWh

Monthly finance from £0*
Battery lease
Battery included
Charging time Fast charge 0-80% 45mins; home charger 4hrs; domestic three-pin plug 13hrs
Range (WLTP) 144 miles

If you're after an electric car, but you also just want to blend in, the Volkswagen e-Golf is your best bet. It looks exactly like an ordinary golf, but instead of a petrol or diesel engine, there’s a battery and an electric motor. And it's virtually impossible to tell the two apart. This makes the idea of owning an electric car much less daunting to those who don't want a wacky space-age design for their electric car. The e-Golf also benefits from VW’s famed build quality.

Although it doesn’t have an amazing range (newer competitors will go much further on a single charge), the e-Golf makes up for that in value for money. New, the e-Golf was quite expensive, but on the used market that price tag begins to falls away.

BuyaCar has 2019 models from £0 with PCP finance.


6. Hyundai Ioniq Electric Premium 28kWh

Monthly finance from £0*
Battery lease
Battery included
Charging time Household socket 0-100% 12hrs; home wall charger 0-100% 4hrs 25mins; public charger 4hrs 25 mins; fast 50kW charger 0-80% 30mins
Range (NEDC) 174 miles

Don't be deceived by the Ioniq’s apparently long range; it’s the NEDC figure we’re quoting rather than the more realistic WLTP one, which is more likely to be around 160 miles. Incidentally, an updated version of the Ioniq was launched in 2019 with an WLTP range figure of 180 miles. If you need the greatest range, therefore, this is the Ioniq to go for.

The model’s closest rival is the Nissan Leaf, which is a little roomier. However, both cars are similar to drive, both are comfortable, responsive and similarly well equipped.

Used Ioniq Electric models are available on BuyaCar from £0 on PCP finance.


*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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