Best Vauxhall finance deals 2020

Vauxhall’s range of cars and trims is bewildering at the best of times, but we'll guide you through the best Vauxhall finance deals

James Wilson
Mar 19, 2020

For decades Vauxhalls have sold in huge numbers across the UK with household favourites such as the Corsa and Astra finding millions of homes around the country. More recently, a raft of new models have arrived, including high-riding crossovers such as the Crossland X and Grandland X.

History isn’t the only reason Vauxhalls are popular, though. Part of it boils down to the breadth of vehicles sold by the brand. Up until 2017, when Groupe PSA (the company which owns Peugeot and Citroen) bought Vauxhall, the British marque had a model for every major type of car buyer – which means the used market is rife with models for all walks of life.

When Vauxhall was taken over, PSA killed off slow-selling models to save money, allowing more time to be spent on cars people were actually buying in large numbers. This means that if you want the greatest choice of cars, you'll have to look to models that are around three to five years old. The cars that were dropped may not have been in the greatest demand when new, but that means they're likely to be a bargain second-hand, so if you want the most car for your money, you could get a great deal with an older Vauxhall.

Before hunting down the best finance deal, it is worth preparing yourself for the many, many, many trim levels Vauxhall offers. Some of this comes from the fact that Vauxhall pitches different models for normal drivers and company car users. As a result, moving up through the different trims available doesn't necessarily mean you're getting more, rather something different.

Best Vauxhall PCP finance deals

Vauxhall Viva finance offers

Our pick Vauxhall Viva 1.0 SE Nav

Vauxhall launched the Viva back in 2015 as an affordable city car which would appeal to learner drivers, those after a run around for their second car and elderly motorists looking to downsize. Standard equipment was generous for a small car – cruise control, electric mirrors and central locking were included on all models.

Unusually for a Vauxhall, the range of trims was easy to get your head around, with SE and SL specs making up the bulk of those sold. Also offered was SE Nav which built on SE spec with the addition of Vauxhall's 'Intellilink 4.0' media system with built-in sat-nav. While pricey new, used SE Nav models are worth hunting down. There was also an SUV-inspired Rocks model, but these aren’t as common. And don't expect to go off-road in this, it is very much SUV style over substance.

Great news for used buyers is that the Viva wasn’t nearly as popular as rivals such as the Skoda Citigo, meaning that the Viva isn't worth as much second-hand, so there are great bargains to be had.

VAUXHALL VIVA BUYERS' GUIDE

Nearly new Vauxhall Viva

Buyacar prices Limited stock

Vauxhall Viva
Used Vauxhall Viva

Buyacar prices from £4,795
Monthly finance from £81

Vauxhall Adam finance offers

Our pick Vauxhall Adam 1.2 VVT Energised

The Vauxhall Adam was introduced in a bid to attract younger buyers to the brand. It was offered with a handful of personalisation options, but it never sold quite as well as rivals such as the Fiat 500. Vauxhall did try to boost sales with a wide range of Adam variants, though - ranging from the fuel-sipping to performance orientated - so if you fancy one, there should be a version to suit your tastes.

Throughout the Adam’s life, a total of four petrol engines were available to buyers - two with power-boosting turbochargers and two without. The turbocharged engines came in 1.0-litre and 1.4-litre form, while less powerful non-turbocharged 1.2-litre and 1.4-litre units were also available. That said, by the time the last Adam rolled off the production line, only the 1.2-litre petrol was available.

All models are decently equipped, with alloy wheels, cruise control, air-conditioning and Bluetooth included in entry-level Jam spec. Moving up the Adam food chain can get you desirable equipment such as a glass roof, climate control, bigger alloys and sports suspension.

VAUXHALL ADAM BUYERS' GUIDE

Nearly new Vauxhall Adam

Buyacar prices Limited stock

Vauxhall Adam
Used Vauxhall Adam
Buyacar prices from £5,100
Monthly finance from £95

Vauxhall Corsa finance offers

Our pick Vauxhall Corsa 1.4i 75hp Active

If you're looking for a small hatchback or supermini, chances are that you'll have at least thought about the Vauxhall Corsa. The Corsa has sold in massive numbers, and it's no surprise really as the Corsa is practical, cheap to run and comes with good levels of equipment if you pick the right model.

Bear in mind that a new Corsa arrived in 2020, so we're referring to the older 2014-2019 Corsa here. For more detail on the latest car read our Corsa new vs used head-to-head story, comparing prices and specifications and have a look at our 2020 Vauxhall Corsa buyers' guide.

Thanks to so many Corsas being sold, finding the right vehicle is surprisingly hard – there is everything from super-basic three-door diesels to all-singing-all-dancing automatic five-door petrol versions and everything in between. Specifications are a minefield with well over 25 common trims available – and that is just for models made after 2014.

The ‘core’ models include Active, Design, Energy, Griffin, Sport, SE Nav, SRi and SRi Nav. With Active trim kicking off the range, standard goodies include cruise control, alloy wheels and hill-start assist - which holds the brakes while you pull off to stop the car rolling backwards. If you want more equipment, Design variants bring Vauxhall’s 'IntelliLink' 7.0-inch media system with Apple CarPlay and Android Auto, while SE Nav comes with automatic lights and wipers plus - as the name suggests - sat-nav.

Thrill-seekers are catered for as well, with high-performance VXR models. These pocket rockets aren't the cheapest but in return reward you with a sporty exhaust note, strong acceleration and impressive roadholding around corners.

VAUXHALL CORSA BUYERS' GUIDE

Vauxhall Corsa
Nearly new Vauxhall Corsa

Buyacar prices from £13,195
Monthly finance from £196

Vauxhall Corsa
Used Vauxhall Corsa

Buyacar prices from £4,100
Monthly finance from £84

Vauxhall Astra finance offers

Our pick Vauxhall Astra 1.2 Turbo 130 SRi Nav

For decades the Astra has served a multitude of UK motorists incredibly well. Part of the reason for this is the wide variety of models on offer – options include five-door hatchbacks, sleek three-door hatchbacks, estates and even performance-focused VXR models.

That said, Vauxhall refreshed the Astra in 2019 in a bid to keep up with rivals, which it needed to do. As a result of the updates, Vauxhall cut the number of body styles available – three-door hatchback, performance VXR and estate models are no more, so buyers with their hearts set on any of these will need to look at older versions.

Thanks to the number of trims and the long list of optional extras buyers could specify, blurring the lines between each trim, finding the right Astra is something of an art form. As an indication of the spread of equipment on offer, Astras can come with self-parking tech, LED matrix headlights, heated and ventilated seats, dual-zone climate control and powerful sound systems.

VAUXHALL ASTRA BUYERS' GUIDES

Vauxhall Astra
Nearly new Vauxhall Astra

Buyacar prices from £13,999
Monthly finance from £207

Vauxhall Astra
Used Vauxhall Astra

Buyacar prices from £4,999
Monthly finance from £101

Vauxhall Meriva finance offers

Our pick Vauxhall Meriva 1.4 Turbo 120hp

Okay, multi-purpose vehicles or MPVs aren’t the most glamorous of cars, but they are very practical and often very good value, compared with similarly sized SUVs. In fact, the Vauxhall Meriva's rear-hinged back passenger doors give you excellent access to the back seats (which can slide back and forth) making the Meriva ideal for those lugging young children about.

Adding to the Meriva’s appeal is a well-built cabin and grown-up driving experience, although the latter is let down slightly by some underwhelming engines (both petrol and diesel). When it comes to the best versions to look at, Vauxhall facelifted the Meriva in 2014 and it is these post-update models we recommend.

All versions get electric windows and air-conditioning as standard, with much of the range also featuring cruise control, alloy wheels and Bluetooth – a panoramic sunroof can feature on higher-specced models as well. As for engines, if you rack up the miles, go for the excellent 1.6-litre CDTi diesel. Otherwise, the 1.4-litre turbocharged petrol is the best option. Automatics are available but manual transmissions are more common.

VAUXHALL MERIVA BUYERS' GUIDE

Vauxhall Meriva
Nearly new Vauxhall Meriva

Buyacar prices from £12,990
Monthly finance from £190

Vauxhall Meriva
Used Vauxhall Meriva

Buyacar prices from £4,100
Monthly finance from £81

Vauxhall Mokka X finance offers

Our pick Vauxhall Mokka X 1.4T Elite Nav 2WD

First things first, the Vauxhall Mokka and Mokka X are the same cars – Vauxhall added an X to its crossover and SUV offerings when the Crossland X and Grandland X arrived.

If you can ignore the mediocre driving experience (a common problem with tall crossovers), Vauxhall’s Mokka X offers a relatively stylish interior, efficient engines and decent equipment. During its production life, which started in 2012, the Mokka (X) was updated once in 2016 before being taken off sale.

Unlike some of its rivals, there haven’t been a tsunami of trim names with the Mokka X and Elite Nav models are the ones to go for if you want plenty of kit. Initially, the engines available were functional rather than refined – partly due to their age – but the addition of Vauxhall’s 1.6-litre CDTi diesel and 1.4-litre turbocharged petrol improved things no end.

VAUXHALL MOKKA X BUYERS' GUIDE

Nearly new Vauxhall Mokka X

Buyacar prices Limited stock

Vauxhall Mokka X
Used Vauxhall Mokka X

Buyacar prices Limited stock

Vauxhall Crossland X finance offers

Our pick Vauxhall Crossland X 1.2 (110hp) Turbo ecoTEC SE

Vauxhall’s Crossland X mixes the high-riding format of the Mokka X with the practicality of a Meriva. Despite being on sale for a relatively short period, the Crossland X has already had a number of trims - in true Vauxhall style.

SE, SE Nav, Tech Line Nav, Business Edition Nav, SRi Nav, Elite, Elite Nav and Griffin are the main specifications but more niche badges such as Design Line have been produced as well. Thankfully, you don’t need to look too high up the trim range for the best buy though, with SE spec packing enough equipment to meet most drivers' needs.

There is a selection of petrol and diesel engines on offer, with petrol models being by far the most common second-hand. It is a similar story with gearboxes; manual and automatic transmissions are available, but manuals are by far the more common.

VAUXHALL CROSSLAND X BUYERS' GUIDE

Nearly new Vauxhall Crossland X

Buyacar prices Limited stock

Used Vauxhall Crossland X

Buyacar prices from £8,149
Monthly finance from £120

Vauxhall Grandland X finance offers

Vauxhall Grandland X

Our pick Vauxhall Grandland X 1.2 (130hp) Turbo Tech Line Nav

The Grandland X is designed to be a practical, comfortable vehicle that will most appeal to family buyers - although there is no seven-seat option. It shares the chassis its built on with the Peugeot 3008 - which is a good thing - and comes with a number of engine and trim options.

Specifications available include Tech Line Nav, Business Edition Nav, SE, SRI Nav, Elite Nav, Ultimate Nav and Business Edition Premium Nav. In reality, Tech Line Nav models offer all you could ever need – bringing a touchscreen sat-nav system, 18-inch alloy wheels, climate control and cruise control. Safety kit is plentiful, too, with automatic emergency braking and lane departure warning also featuring.

Those after equipment such as a panoramic roof or 360-degree parking camera will need to hunt further up the equipment range. Models such as Ultimate Nav were very pricey new, however, they are much better value as a second-hand buy.

VAUXHALL GRANDLAND X BUYERS' GUIDE

Nearly new Vauxhall Grandland X

Buyacar prices Limited stock

Used Vauxhall Grandland X

Buyacar prices from £12,199
Monthly finance from £174

Vauxhall Insignia Grand Sport finance offers

Our pick Vauxhall Insignia Grand Sport 1.6 ecoTEC Design Nav

Large family hatchbacks and saloons such as the Insignia Grand Sport have fallen out of favour in the 2020s, with many drivers opting for high-riding crossovers and SUVs instead. If you want a practical, good value, more economical and better driving option, however, large hatchbacks make a lot of sense. Better still, with low second-hand prices, you can secure yourself a great deal with a model like the Insignia.

Again, there are tonnes of engine and specification options - Design, SRi, Tech Line, SRi VX-Line, Elite and GSi are all present and correct, and there are ‘Nav’ variations of each, too. In spite of the choice, entry-level, Design Nav models are arguably one of the best options, thanks to a great mix of affordability and equipment.

If you need even more practicality than the standard hatch, Tourer (estate) models are available as well. These give you a taller and more practical boot, making them more suited to regularly lugging large loads.

VAUXHALL INSIGNIA GRAND SPORT BUYERS' GUIDE

Nearly new Insignia Grand Sport

Buyacar prices Limited stock

Vauxhall Insignia Grand Sport
Used Vauxhall Insignia Grand Sport

Buyacar prices from £9,599
Monthly finance from £158

Vauxhall Zafira Tourer finance offers

Our pick Vauxhall Zafira Tourer 1.6 CDTi Start/Stop ecoFLEX Design

While the Zafira Tourer and the preceeding Zafira were the chariots of choice for many UK families after seven seats, the people carrier is no longer on sale thanks to the conitnuing rise of SUVs. That does nothing to reduce its appeal, however.

For its time, the Zafira Tourer was relatively upmarket, spacious and well-equipped to handle ferrying families around. Even now it can still hold its head up high against the competition, provided you are more focused on function over form.

Trims include Design, Energy, SRi, SE, Tech Line and Elite – plus the obligatory ‘Nav’ versions of some. Entry-level Design specification includes 17-inch alloy wheels, air-conditioning, Bluetooth, a digital radio, cruise control and parking sensors. Thanks to such an appealing array of standard equipment, Design spec is a great option for buyers.

VAUXHALL ZAFIRA TOURER BUYERS' GUIDE

Nearly new Vauxhall Zafira

Buyacar prices Limited stock

Vauxhall Zafira
Used Vauxhall Zafira

Buyacar prices Limited stock

Vauxhall Combo Life finance offers

Our pick Vauxhall Combo Life 1.2 130hp Turbo Start/Stop Design

By taking the Zafira Tourer off sale there was a seven-seater-sized gap in Vauxhall’s range, so the company hopes to fill that void with the Combo Life. Available in short and long-wheelbase guises (the latter known as the “Combo Life XL”) the Combo Life is the saviour of all those motorists after a practical car with ridiculous load-lugging skills. Not all models are seven-seaters (five-seaters are available too) and you can expect to pay a premium for the extra row of seats.

The list of trims is pleasingly short, with only three to choose from – Design, Energy and Elite. Entry-level Design brings air-conditioning, cruise control, electric windows and a digital radio. Move up to Energy and front and rear parking sensors, 16-inch alloy wheels, a touchscreen media system and automatic lights are added. Vauxhall offers two petrols and two diesels, with automatic gearboxes only available on the higher powered models.

VAUXHALL COMBO LIFE BUYERS' GUIDE

Nearly new Vauxhall Combo Life

Buyacar prices from £16,995
Monthly finance from £279

Used Vauxhall Combo Life

Buyacar prices from £11,990
Monthly finance from £174

 

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