Best used Vauxhall PCP finance deals

Vauxhall’s vast range of cars means an overwhelming number of options at your disposal, here are some of the best Vauxhall finance deals

James Wilson Matt Rigby
Dec 6, 2021

Vauxhall has been a hugely popular brand with UK car buyers for decades and some of the top-selling models of recent years – such as the Corsa and Astra – have been bought by millions.

Vauxhall’s current range has greatly expanded with SUVs and crossovers such as the Crossland X and Grandland X joining the existing range of family hatches, large family saloons and estate car models.

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

Best Vauxhall PCP finance deals

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 the Vauxhall Corsa will have, at the very least, entered your mind. The Corsa has sold in massive numbers, and it's no surprise really when you take into account how practical and cheap to run it is, as well as the levels of equipment on offer if you pick the right model.

The latest Corsa arrived in 2020, while these can be found on the used market, we're referring to the older 2014-2019 Corsa here for the best deals.

Thanks to so many Corsas being sold, finding the right vehicle is surprisingly hard. The variety is huge, spanning 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. 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, as well as 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
Used Vauxhall Corsa

BuyaCar prices from £4,695
Monthly finance from £142*

Vauxhall Astra finance offers

Our pick Vauxhall Astra 1.2 Turbo 130 SRi Nav

The Astra has been a staple of UK roads for decades, and has served countless drivers incredibly well. Part of the reason for this is the wide variety of models on offer – options include three- and five-door hatchbacks, estates and even performance-focused VXR models.

Vauxhall refreshed the current Astra in 2019 in a bid to keep up with rivals before the launch of the next generation car expected in 2022. As a result of these updates, Vauxhall cut the number of body styles available. The three-door hatchback, performance VXR and estate models were discontinued, 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.


Nearly new Vauxhall Astra

BuyaCar prices Limited stock

Vauxhall Astra
Used Vauxhall Astra

BuyaCar prices from £5,795
Monthly finance from £200*

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.


Nearly new Insignia Grand Sport

BuyaCar prices Limited stock

Vauxhall Insignia Grand Sport
Used Vauxhall Insignia Grand Sport

BuyaCar prices from £8,990
Monthly finance from £190*

Vauxhall Mokka X finance offers

Our pick Vauxhall Mokka X 1.4T Elite Nav 2WD

A new Mokka was launched in 2020, along with the electric Mokka E. But here we focus on the older model for the best used deals.

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, trim levels are a bit more straightforward with the Mokka X and Elite Nav models being 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
Used Vauxhall Mokka X

BuyaCar prices from £7,000
Monthly finance from £207*

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 an MPV. 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 the SE packing enough equipment to meet most drivers' needs.

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


Vauxhall Crossland X
Used Vauxhall Crossland X

BuyaCar prices from £8,801
Monthly finance from £178*

Vauxhall Grandland X finance offers

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 its underpinnings with Peugeot 3008 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 included.

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 when new. However, they are much better value as a second-hand buy.


Nearly new Vauxhall Grandland X

BuyaCar prices Limited stock

Vauxhall Grandland X
Used Vauxhall Grandland X

BuyaCar prices from £11,200
Monthly finance from £238*

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 looked 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. Be aware that not all models are seven-seaters, 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 – Edition, SE and Elite. Entry-level Edition brings automatic emergency braking, an eight-inch touchscreen, electric windows and a digital radio. Move up to SE and a rear camera, 16-inch alloy wheels and automatic lights are added. Vauxhall offers two petrols and two diesels, with automatic gearboxes only available on the higher powered models. The fully-electric Combo-e is also now on sale.


Nearly new Vauxhall Combo Life

BuyaCar prices Limited stock

Vauxhall Combo Life
Used Vauxhall Combo Life

BuyaCar prices from £12,995
Monthly finance from £0*

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 runaround for their second car and older motorists looking to downsize. Standard equipment was generous for a small car – cruise control, electric mirrors and central locking were included on all models.

The range of trims was easy to get your head around, too, with SE and SL specs making up the bulk of those sold. Also offered was the SE Nav which built on the 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.

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.


Used Vauxhall Viva

BuyaCar prices from £5,795
Monthly finance from £0*

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, 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.


Used Vauxhall Adam
BuyaCar prices Limited stock

Vauxhall Zafira Tourer finance offers

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

While the Zafira Tourer and the preceding Zafira were a popular choice for many UK families after seven seats, the people carrier is no longer on sale due to the continuing rise in popularity of SUVs. This 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.


Used Vauxhall Zafira

BuyaCar prices Limited stock

*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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