Top 7 Cars for Tall People

Couple looking online for cars for tall people

We hate to break it to you, but if you’re above six feet tall and trying to fit into a Smart car or Mini Cooper, it might not be the best car for you. No one wants to wrestle with either back or neck pain as a result of their car. This is why finding the right cars for tall people is so important.

If you’re banging your head on your current vehicle or have to push either the driver or passenger seat to its limits in order to squeeze in, the chances are you need to upgrade your car. But just because you need extra space, doesn’t mean you should be sacrificing style or substance.

Plenty of modern cars offer headroom and foot space – and not just SUVs, either. There are some hatchbacks and estates that will also do the job well. To help you streamline your search, we’ve compiled a list of the best cars for tall people – read on to find out more.

The top 7 cars for tall people

When you’re searching for your car, take time to check if the model you’re testing really offers maximum space adjustments. For example, some will have steering wheels that move. It’s also best to avoid a car with a panoramic sunroof. The reason for this is that the necessary features can be bulky, taking up those extra few inches of vital space.

1.    Audi Q7

The Audi Q7 is a universally popular car, world-round. It’s also hugely practical – both for taller drivers and larger families, thanks to three rows of seat and a huge boot. Its box-like shape is still sleek whilst affording passengers enough headroom. What’s more, with 1,071mm of space in the front, there’s also room for longer legs. Rear seat passengers also have over a metre of room, too – so minimal squabbling from the kids on a longer journey.

The interior is elegant and well-designed, with all of the swish features you’d expect of an Audi. More over, although the outside is somewhat boxy, it’s still very stylish. All in all, the Audi Q7 is a robust vehicle offering enough space for taller people without sacrificing on design or style.

2.    Volkswagen Polo Hatchback

That’s right, we’ve included the Volkswagen Polo in this list – just because it’s a small car, doesn’t mean it can’t accommodate taller drivers. In fact, with over a metre of headroom in the front, the Polo is great for those who need more space. Plus, with five doors, the model is slightly longer in the body, making it great for lengthier limbs.

With an eight-inch touchscreen, DAB radio and air conditioning, you’ll get a great range of features with even the most basic model. In addition, you can include dual-zone climate control, parking sensors, and auto wipers if you go higher spec. These cars are super popular for a reason and are the absolute dream for nipping around city streets. It also won’t break the bank – a very welcome fact!

3.    Volvo XC60

It’s not the cheapest option for taller drivers, but it’s good looking and spacious – plus, like all Volvos, it’s supremely safe. You get decent front headroom and space in the back, with seven seats available if you need it (although it’s a bit of a squeeze). The XC60 is a sleek SUV that’ll get the job done. What’s more, you can opt for a hybrid vehicle if that’s your preference, but the entry-level diesel model is reasonably cheap to run.

The car is also very quiet – great for long-distance journeys – and will carry nearly 500 litres of luggage. If you’re also looking for a vehicle that will tow well (if you’re a fan of caravan holidays, for example), this is a great option.

4.    Mercedes E-Class Estate

With over 1.6m of headroom for front-seat occupants, you’d have to be extraordinarily tall not to fit comfortably in the E-Class! There’s also over 1m headroom for those in the second seating room, too, and the car itself is supremely comfortable.

Plus, because it’s a Mercedes, the design – both interior and exterior – is very swish and sleek. You also still get boot space, which is a bonus if you’re shopping round for a family car.

5.    Mazda CX-5

Another SUV, this car offers an excellent amount of interior space, making it ideal for drivers needing more legroom and larger families. The driver and passenger get over 1m of headroom, but the car will still hold over 500 litres of luggage. The interior is basic but practical. Furthermore, the exterior of the car still wins style points – plus it’s a great car to drive, which is a fairly vital selling point!

6.    Honda Jazz Hatchback

We’ve added another hatchback to this list in order to offer some balance alongside the SUVs – but don’t be put off. Admittedly, the Honda Jazz is a little boxy in design. However, that helps it navigate tight streets well, so it’s a great urban vehicle.

Honda has what’s called a ‘Magic Seat’ system, which means your seat will adjust to find a driving position that works for you. The headroom is great, and the rear seats offer plentiful space for stretching out too, but there’s still room for a boot.

7.    Citroen Berlingo

It’s not the best-looking vehicle on this list, but because its design is based on a van, you have guaranteed space in the Berlingo. There’s actually so much headroom that the model has a 90-litre storage area above the heads of passengers.

Every seat has ample headroom thanks to the van design. Consequentially, even if you have a host of the tallest humans around, everyone should feel comfortable. What’s more, this car is very affordable and reliable. Not to mention, it performs well even if you’re towing a heavy horse trailer or bike rack.

Speak to My Car Credit today

Like most vehicles, cars for tall people don’t come cheap. But with My Car Credit, you can spread the cost over a period that suits you. Start by using our car finance checker with no impact on your credit score, then let us find you a great deal from our large network of lenders.

Rates from 9.9% APR. Representative APR 10.9%

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X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

5 of the Best Luxury SUVs

One of the best luxury SUVs driving through a field

Sport Utility Vehicles, or SUVs as they’re more commonly known, are a mainstay on British roads. The latest figures from Car Magazine estimate there are more than 4.3 million SUVs registered in the UK, making them the country’s third most popular vehicle after small hatches such as the Astra and superminis like the Fiesta. If you’re thinking of buying one, read our roundup of the best luxury SUVs on the market.

What is an SUV?

So, what exactly is an SUV and why are they so popular in the UK? SUVs combine the characteristics of traditional passenger cars with off-road features such as four-wheel drive, increased clearance and extra space. With this in mind, SUVs deliver the best of both worlds.

They’re safe and roomy, making them a great option for families. Comfort is also a major feature, with many motorists coveting SUVs for the plush interiors, smooth suspension and extra head and leg space.

The best luxury SUVs

Not all SUVs are made equal. Some designed for performance, others champion comfort and many models attempt to combine the two. It’s true to say that models like the Toyota Rav4, Suzuki Vitara and Mazda CX-5 win motorists over with their excellent price points. However, luxury SUVs elevate the driving to new heights.

Thinking of upgrading to a luxury SUV? Choosing the best luxury SUV for your needs will depend largely on your personal preferences, as well as variables such as budget. Whether you’re looking to buy new or used, we’ve put together a roundup of the best luxury SUVs on the market. From affordable and family-friendly options to models that wouldn’t look out of place on a racetrack, our list covers a range of different SUV options.

1.    Audi SQ7

Built for performance, the Audi SQ7 is an affordable luxury SUV that shares structural DNA with lavish models like the Lamborghini Urus, Porsche Cayenne and Bentley Bentayga. Powered by a V8 diesel engine that takes you from 0-62mph in just over four seconds, the SQ7 is a step up from its S7 predecessor. There are plenty of ways to personalise the SQ7 and make it your own. For example, you could opt for customisation of trim, upholstery, exterior colour and more.

2.    Range Rover Sport

An SUV staple since the early 2000s, the iconic Range Rover Sport combines best-in-class comfort and safety features with an agile aesthetic. It’s a little smaller than the standard Range Rover model, making it ideal for drivers who want to transition from the city to the country with ease. The smaller size also translates to a smaller price tag, a great perk if you’re looking to purchase a luxury SUV without breaking the bank. The reality is that a brand new, high-spec model can set you back as much as £100,000. In comparison, a £30,000 investment can get you a four to five year old Range Rover Sport in great condition.

3.    Mercedes GLS

Unlike many SUVs which cram an extra two passengers into the back row, the Mercedes GLS can comfortably accommodate seven adults. This luxury SUV is packed with tech-driven features. For instance, you benefit from an impressive MBUX media system that responds to voice, touch and gesture commands.

With entry-level models starting at around £55,000, the Mercedes GLS is surprisingly affordable compared to other luxury SUVs in its class. Consider purchasing a used Mercedes GLS and you can unlock huge savings. Whether you’re heading to the shops, picking the kids up from school or driving to France for the summer holidays, the Mercedes GLS will take you there in style.

4.    Lamborghini Urus

You won’t see too many Lamborghini Urus on British roads. But when they do speed past, heads turn. Combining the power of a supercar with the specs of an SUV, this high-performance model accelerates from 0-62mph in a breathtaking 3.6 seconds. The formidable V8 engine hits a top speed of 189mph, while the sharp angles and statement 22-inch alloy wheels redefine the aesthetics of an SUV. The bad news? These beauties start at £165,000 which means they’re off the cards for most buyers, even with an impossibly good car finance deal.

5.    Tesla Model X Plaid

Marketed as the fastest and most powerful SUV ever built, the Model X Plaid takes you from 0-6mph in 2.5 seconds. This puts it in the same calibre as the legendary Buggati Veyron. The all-electric engine is powered by Long Range and Plaid powertrains, with next-generation charging infrastructure promising impressive range and lightning-fast charge times. There’s plenty of space to store everything from suitcases to skis, with the Model X Plaid boasting internal capacity of 2577 litres. Combined with a towing capacity of 2269kg, this Tesla is no stranger to hard work.

Purchasing a luxury SUV

Larger and more powerful than the average hatchback or sedan, luxury SUVs also come with a bigger price tag. While they can definitely be worth the investment, purchasing a luxury SUV outright isn’t always an option. This is where car finance comes in.

Designed to help you spread the cost of a large purchase such as a luxury SUV, car finance increases your spending power and allows you to get behind the wheel faster. Factoring in variables such as your cash deposit, preferred loan term and personal credit history, car finance doesn’t adhere to a one-size-fits-all model and is different for every applicant.

At My Car Credit we work exclusively with lenders approved by Evolution Funding, the largest and most respected car finance broker in the country. Our partnership unlocks access to thousands of best-in-class lenders, allowing us to secure you a great deal, regardless of your circumstances.

Ready to get behind the wheel of your dream luxury SUV? Get in touch with the My Car Credit team to discuss options. We also recommend punching your numbers into our purpose-built car loan finance calculator. This will give you a good overview of what to expect when buying a luxury SUV.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Hybrid vs Plug-in Hybrid: What’s the Difference?

Tesla as an option in Hybrid vs Plug-in Hybrid

The need to find a car that is practical and helps the planet is getting greater with every passing day. As someone who wants to drive responsibly, it’s essential to find a vehicle that covers all the bases. If you’ve done your research, you’ll know that hybrid cars are very popular.

However, it’s not as straightforward as opting for the first model you find because there are different types, such as a classic hybrid and a plug-in hybrid. Which one should you choose when it comes down to hybrid vs plug-in hybrid? Here’s our advice.

The differences

As the name suggests, the two vehicles are similar in lots of ways because they use technology that is related. However, there are differences you must be aware of before you sign on the dotted line.

Hybrid cars

Hybrids are famous thanks to the release of the Toyota Prius, the poster boy of the hybrid era. The technology has been around for longer, too, which is why you might have heard of them over plug-in hybrids. Essentially, the key distinction is that a classic hybrid uses an electric motor and a fuel-burning engine to power the vehicle while it’s on the move.

Why? It’s for several reasons, but the main one is that the fuel element of the engine gives hybrid cars more range. This isn’t only because it runs on petrol or diesel, but because the fuel recharges the electric motor when it isn’t in use. Hybrids do this through regenerative braking, where the battery charges up every time you press the brake pedal.

Plug-in hybrid cars

A plug-in hybrid has the same elements, yet it can’t do the same things as a regular hybrid. The reason for this is that the electric power unit in a plug-in model is much larger than in normal hybrids. Therefore, the fuel engine can’t charge it up when it isn’t in use, meaning it must be recharged at a plug-in station like an electric vehicle (EV).

What are the benefits?

Straight away, it’s worth noting that both models enable you to drive using electric power, which is much better for the environment. Hybrids epitomise this as they leverage electricity to reduce drivers’ fuel economy. For example, the electric motor kicks in at slow speeds, such as in traffic or towns and cities, allowing you to get around without using the fuel-burning engine.

However, plug-ins have more electric energy because they need charging directly from an EV charger, which means they can drive longer distances on a single charge. Of course, it takes longer to top up the motor, yet new powerful chargers mean it shouldn’t be longer than twenty-five minutes.

Hybrid vs plug-in hybrid: which is best for you?

The verdict for hybrid vs plug-in hybrid depends on your circumstances. If you require a run-around vehicle for getting around town, a hybrid is perfect as it has a lower range that you can use to complete your entire journey. Plug-in hybrids, on the other hand, use a full electric charge, which means they can go farther for longer and give off very low CO2 emissions.

Whichever you choose, our range of finance options at My Car Credit will ensure that you find the most suitable deal for your needs. With our car finance calculator, you can work out how much your repayments will be to the penny. Plus, finance means you don’t have to save up to land the vehicle of your dreams.

Call us now for more information and to speak to a knowledgeable member of our team!

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
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Good

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  • You may not be traceable on the voters roll
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£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Audi vs BMW: Which Luxury Car Is Best for You?

Black BMW driving on Motorway

When it comes to luxury cars, two German brands stand out above the rest – Audi and BMW. Both manufacturers have been around for decades, cultivating reputations that result in thousands of units being sold yearly. In the UK, BMW’s market share for the entire British sector was almost 10% in the first quarter of 2020, while Audi’s was 7.41% in the same period.

Essentially, there isn’t much between legendary brands, which is why it’s hard for customers to pick between them. You can’t go wrong with either, so why should you fret? The answer is that your vehicle is personal and should always reflect your needs and wants. Seeing as there are so many different models to pick from, it’s essential to understand what each brings to the table.

When it comes to Audi vs BMW, there are several features motorists should consider before signing on the dotted line. Keep reading as we take a closer look….

What do you get as standard?

When you fork out tens of thousands of pounds for a car, you want to know what you get for your money. Doing some research is vital as it’s down to the buyer to figure what’s included and what’s excluded. However, Audi and BMW are very good at throwing in extras to ensure their models are on a level playing field and superior to the competition.

For instance, Audi is a manufacturer that is synonymous with all-wheel-drive, a feature it uses throughout many of its cars. It uses front-wheel-drive platforms too. However, BMW prefers a rear-wheel-drive strategy because it provides better balance and handling, making Beamers easier and more enjoyable to drive.

Another element that petrolheads will love is the fact that BMW now turbocharges the majority of its engines. As a result, BMWs have extra power and respond incredibly well to their drivers’ commands without using fuel unnecessarily in the process. When you combine this with free maintenance for BMW owners for the first 36,000 miles, it appears as if you get more bang for your buck from Bayerische Motoren Werke AG.

Which is more reliable?

Of course, judging a car based on its specifications is wrong as it doesn’t reveal the big picture. Yes, Audi might not offer its customers as many freebies, but it makes up for it in the maintenance department. If your vehicle breaks down, you’ll spend more on a Beamer than you will an Audi because the former often top the list of the most expensive cars to repair.

According to data from YourMechanic, an Audi will charge you just under £9,000 in maintenance costs in the first decade of if its life. While it appears steep, the reality is that a new BMW is £4,000 more expensive in terms of maintenance during the same period. Considering that the basic versions of both brands’ models are upwards of £35,000, it’s important for drivers to avoid unnecessary fees.

Not only is Audi cheaper in this regard, but it’s also one of the most reliable manufacturers because it’s centred around a philosophy of reliability, also known as ‘Vorsprung Durch Technik’.

Styling vs performance – who wins?

The Audi vs BMW debate can be broken down into two categories – styling and performance. For motorists, a vehicle must walk the walk and talk the talk, which means being pretty and practical in equal measure.

From an aesthetics perspective, it’s universally recognised that Audi has the upper hand since it uses an understated design that is very sporty. BMWs are a little bolder, which makes them less easy on the eye. Plus, you can’t forget the fact that they have two almost identical ranges – the A3 and 1 Series. However, the A3 is regarded as the breakthrough model that transformed the hot hatchback range, leading rivals such as BMW and Mercedes to copy and follow suit.

Still, it’s not just about what’s on the surface. It’s also about what’s under the bonnet, and BMW is regularly viewed as a brand that puts the fun factor into driving. Firstly, the suspension is soft enough that you can take the kids to school, yet hard enough to support sharp bursts of speed.

Secondly, the rapid inline engines are quicker. The 1 Series does 0-62 in a shade over 10 seconds, whereas the A3 is closer to 11 seconds. Lastly, the technology is designed for BMW models, so nothing is shared. This is unlike Audi vehicles as they mix and match parts from the VW umbrella group.

Are they techy?

Okay, getting behind the wheel of modern vehicles isn’t like driving a Formula One car where the number of buttons and controls is enough to make the average person cry. However, technology is at the forefront of the experience because manufacturers want to ensure drivers are as comfortable, informed and entertained as possible.

A modern newcomer to the Audi vs BMW debate is analysing the infotainment centres positioned in the interiors of every new Audi and BMW car. Audi uses the MMI infotainment system, which isn’t as sharp graphics-wise but is powerful enough to pack a considerable punch. For example, the ‘Virtual Cockpit’ feature is lauded as smart and pragmatic.

BMW’s iDrive system is much cleaner regarding the visuals, which many motorists will prefer. However, it doesn’t have the same navigability or ease of use, although it is an upgrade on the first version that came out in 2001.

Audi vs BMW – which is better?

Above all else, the choice between Audi and BMW depends on what you want from your car. For example, Audis have better infotainment systems, are more reliable and less expensive to maintain, and come with an all-wheel-drive system that’s ideal for a myriad of conditions. BMW, on the other hand, is powerful, handles well due to its balance, and looks the part.

The truth is, you can’t go wrong with either manufacturer, which is why their reputations are among some of the best in the motoring world!

Car finance for Audis and BMWs

One downside of both Audis and BMWs is the price. If you don’t have a big budget, you might find they are out of your price range. Thankfully, My Car Credit is here to guide you through the financing options on the table to make the upfront costs more palatable. Whether you have poor credit or don’t know how much monthly financing payments will cost, you can use our car finance checker to simplify the process.

It’s quick and straightforward, so why not give us a call today to learn more about My Car Credit by talking to a dedicated and passionate customer service advisor? It could be the best decision you make for a long time!

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Should I Buy A Tesla?

White tesla in a field

Unless you’re completely tuned out of the automobile world, it’s almost certain you will have heard of Tesla. The innovative company has undoubtedly changed the landscape of electric vehicles. In doing so, it has built up a loyal fan base of drivers who wouldn’t purchase anything less. But do you know what a Tesla really is, and whether or not you should buy one?

This article is here to answer all your burning questions, weighing up the advantages and disadvantages of these increasingly popular cars. Don’t forget, too, that My Car Credit can help you find the right car finance with which to fund your new vehicle – whether it’s a Tesla or not.

Teslas: the pros

Environmental impact

Tesla vehicles are electric, which means that if you buy one, you’ll soon be waving a happy goodbye to pumping your car full of fuel. This in turn has the secondary advantage of benefiting your wallet. The environmental impact of electric cars are undeniable – electric vehicles contribute considerably lower emissions than conventional vehicles, not to mention that cities experience noticeably better air quality.

Lower running cost

The initial purchase cost of a Tesla is somewhat pricey and might put you out of pocket without the right car finance (more on that below). However, the running cost of Tesla cars is definitely less than that of an internal combustion engine car – that is, vehicles which run on petrol or diesel.

You might end up having to replace the battery, which can be quite expensive. However, this payment is still balanced out by the savings you’ll be making on fuel. A recent test on the Tesla Model S battery actually found that it still had 98% capacity after seven years of usage – so unless you’re really grinding the car into the ground, you shouldn’t have to worry about replacing it.

The Supercharger network

For newbies to all things Tesla, Supercharger is the company’s charging network. You drive up to a Supercharger location – they’re easy to find using the Tesla app – and plug your car in to recharge. After about 30 minutes, the app will notify you when your car is good to go, and you can hit the road. What’s more, the price you’ll pay to use this is significantly lower than fuel. Tesla estimates that charging via a Supercharger costs £0.28 per kilowatt of energy, compared to an estimated petrol cost of £1.20 per litre for a 42mpg car.

Technology

Tesla’s technology is not to be sneered at. The app is hugely useful, and Tesla works to regularly upgrade the software in its vehicles. This means that improvements are wirelessly beamed to their vehicles without you having to do anything. The huge touchscreen on the centre console means no fiddly buttons or knobs to mess around with, and it’s super sleek-looking. Sentry Mode detects external threats via cameras too. In addition, Tesla is even working on Tesla Autopilot, an advanced driver-assistance system that’s currently under development.

Performance

There’s no denying that every Tesla model is a fantastic performer – even the ones that are focussed primarily on energy efficiency. The fastest Tesla, the Model S, can actually outrun Ferraris and Lamborghinis, so if you’re a particular fan of speed, a Tesla won’t disappoint.

They’re good-looking cars

Having a car that’s super sleek isn’t necessarily top of everyone’s list – but if it is, it’s hard to deny that Tesla vehicles are definitely stylish.

Teslas: the cons

Not great for long journeys

If you’re looking for a vehicle that serves well as an urban commuting car, Tesla will tick the boxes. But if you need something that will stand up to longer journeys, their electric vehicles do come into problems. You’ll have to forward plan your journey according to the available Tesla Superchargers. What’s more, you’ll need to factor in the charging duration to your overall travel time.

It is possible to use public chargers for Tesla, but you’ll only get 20-25 miles of range in an hour of charging. This is compared to 150 miles in 20-25 minutes at a Tesla Supercharger. The range of Teslas is improving, but if you’re regularly travelling longer journeys, they’re perhaps not the best vehicle for you.

Struggles in colder climes

If you’ve previously owned an electric car, you’ll likely already know this, but electric vehicles aren’t efficient in chillier conditions. This is basically because electric vehicles don’t produce much heat, unlike internal combustion vehicles.

There are ways to navigate this – having heat pumps, for example – but only the Model Y has this out of the Tesla vehicles. There’s a heating system you can turn on in other models. This will inevitably bring down the car’s overall range, and you’ll need to swiftly recharge.

Price

You’ll likely be paying twice as much for the Tesla Model 3 compared with a comparable fuel-powered sedan. Teslas definitely have a reputation for being expensive – and the initial price won’t include add-ons like additional seats, the Subzero Weather Package, an upgraded sound system, and Smart Air Suspension.

Software upgrades

Yes, your Tesla vehicle will automatically upgrade its software as improvements are made but the hardware – that is, the car itself – won’t. So, as your software becomes more sophisticated, you might find that the car is too old to support it, a bit like your phone. Plus, Tesla suffers from a lack of inventory – so you may end up waiting for your new car for anywhere between 8 – 12 weeks.

Should I buy a Tesla?

Only you know what your priorities as a driver are. If you’re looking for a sleek, nippy vehicle to get you around the city, Teslas have significant appeal. On the other hand, they’re less great for long car journeys with potentially irritable young children in the back.

One thing you can count on is My Car Credit. We’ll find you the best car finance available, whether you opt for a Tesla or not, matching your needs to the best deal for you. Our online process will have an answer for you in minutes – just fill in our car finance calculator to get a no-obligation quote.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

How Does Part Exchange Work On a Car?

Driving away after checking how does part exchange work on a car

Nowadays, there are several ways to swap your current motor for something more suitable. Part exchanging your car is one of the most popular methods because it’s quick, easy and accessible to almost every motorist. All you need to do is find a dealership and start haggling over the price.

However, it’s not as straightforward as picking a brand-new vehicle and driving away in it that very day. Before you are ready to sign on the dotted line, you need to understand the basics of the strategy. How does part exchange work on a car? Keep reading to find out more.

How does part exchange work on a car?

In its simplest form, the part-exchange process is hassle-free. The trick is to find a replacement motor that you want as an upgrade to your current vehicle. However, instead of selling your old car privately or sending it to the scrapyard, you can have it valued by the dealer. The quote you get is then subtracted from the price of the car you want to buy, making it cheaper and more affordable.

When it works well, part exchange is a suitable option for all parties. After all, you get a fantastic deal on a vehicle, and the dealer can add an item to their inventory that they can mark up in the future. Of course, they also get the car you buy off their hands. Everyone’s a winner!

What should you look out for?

The value of your vehicle

It sounds obvious, but it’s essential not to forget the value of your car. Some owners accept the first offer they receive without negotiating over the price. Even if you think the figure is high, you should shop around because there might be better offers on the table. However, you can’t do this without obtaining a ballpark number first, something you can do with an online valuation tool.

Once you know what quotes you should expect, you can ensure you don’t sell yourself or your car short during the part exchange process. A smart way to do this is to research how much like-for-like models sell for privately and at dealerships.

The aesthetics

The way your car looks will dictate how much people are willing to pay, which affects your bottom line. So, if there are scratches and scrapes, you should consider repairing them beforehand. Doing it yourself is a savvy option as hiring a professional will cost a fee. As far as the interior goes, a DIY valet will only cost you time.

Apart from the visual aesthetics, don’t forget to bring the relevant paperwork. Without the vehicle’s history, buyers will be less likely to make an offer as they won’t know if they can trust what they are purchasing.

Affordability

Just because a dealer will reduce the upfront price doesn’t mean your dream car will be affordable. We’ve answered the question of how part exchange works on a car but you still might not have the cash to pay for the car outright, leaving you in a pickle. Thankfully, you can get a car finance quote from My Car Credit and figure out how much you can pay in monthly instalments.

Typically, car finance options make vehicles much more affordable, giving you the ability to level up your lifestyle and finally drive around in style and comfort. To learn more about finance and how our services can help you, please don’t hesitate to contact us to speak with an advisor.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Going Green: Should I Buy a Hybrid Car?

Hybrid car driving near fields

With the government banning petrol and diesel vehicles from 2030, more and more people are considering an upgrade to a hybrid car. But given how long we’ve been reliant on petrol and diesel; hybrids are still something many drivers are unfamiliar with. This leads many to ask the question: “Should I buy a hybrid car?”.

This article will explain what hybrid vehicles are, how they work and their benefits. Hopefully this will help you decide whether or not to make the switch.

What is a hybrid car?

First off, there are two main types of hybrid vehicle – plug-in hybrid cars and self-charging hybrids. Plug-in models need to be plugged in in order to charge. In contrast, self-charging models will charge the battery whilst you’re driving.

Hybrid cars differ from electric vehicles in a vital way. While an electric vehicle is entirely powered by a battery that needs charging, hybrid vehicles have both a normal engine and a battery. In a hybrid car, the battery will tend to be used when you set off from a stand-still, when you’re driving at a lower speed or on shorter journeys. Plug-in hybrid cars can also travel further than conventional hybrids when they’re using solely electric power, which saves you money on refuelling costs.

What are the benefits of a hybrid car?

There are several reasons why hybrid cars are increasingly popular with consumers, including:

Greener

With an electric battery to complement their fuel-burning engine, hybrid cars are greener than non-electric vehicles. Hybrid cars minimise your carbon emissions whilst maintaining fuel efficiency, with self-charging hybrids making use of energy that would otherwise be wasted.

Cheaper

Provided that your hybrid emits less than 100g/km of carbon dioxide, you’ll benefit from free road tax. As long as they cost less than £40,000, new hybrid vehicles or PHEVs will also cost £10 less than a fuel-powered alternative on road tax.

Reliable

Hybrid cars are frequently more reliable than either petrol or diesel vehicles because of their electric fuel cell. When you’re driving slowly, the car will use this as its energy source, meaning that there’s less wear and tear on the engine – as well as less CO2 emitted. Similarly, because of the way that hybrid cars use their brakes to generate energy, you could drive around without much using your standard brakes. This significantly reduces impact, which will save you money on brake maintenance and upkeep.

Driving range

Compared to exclusively electric vehicles, hybrid cars have a significantly greater driving range. Plus, self-charging hybrid cars generate power as you drive, meaning they’ll never run out of charge.

Value

Once you’ve finished the terms of your car finance, you might be keen to upgrade your vehicle. Both hybrids and PHEVs are great for this, as they hold their value well over time. This means you’re likely to recoup a lot of the money that you put down when you re-sell it – particularly as hybrids are such popular models with high demand. Toyota and Lexus hybrids are particularly well-known for holding their value.

Should I buy a hybrid car?

Whether or not you should buy a hybrid car depends on two main factors. If you want to be greener, and reduce your carbon emissions, then yes, purchasing a hybrid car would be a sensible decision. Similarly, if most of your journeys are short – for example, around urban areas – then hybrid vehicles are great, as you’re mostly running on electricity and therefore saving money.

However, if you travel a lot on motorways or have very long journeys, a hybrid is potentially less fuel efficient than a diesel car – but it will produce far fewer emissions.

Find car finance for a hybrid car today

Car finance is a key factor for many drivers considering a hybrid car, with some worrying the choice will affect their car finance options. Thankfully, it won’t.

Whether you’re looking for a hybrid (HEV) or a plug-in hybrid (PHEV), your car finance journey with My Car Credit will be just as straightforward as it would with a non-hybrid vehicle.

Simply fill in our car finance calculator and adjust the variables according to the type of loan and repayment terms that you’re looking for. Our online form will give you an answer in minutes, and with us, the rate you see is the rate you get. There’ll be no surprise costs or confusing paperwork.

If you’d rather speak to a person about your hybrid car finance, one of our friendly car credit specialists would be happy to answer your questions. Just call 01246 458 810 to start your journey today.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

When is the Best Time to Buy a Car?

Car outside dealership after considering when is the best time to buy a car
Securing a good deal on a new or used car is one of the most important things for any driver. Sadly, it’s not as simple as picking a vehicle that’s within your budget and driving it off the forecourt. Unbeknownst to many drivers, different issues impact the suitability of a car.

The time of year is a prime example. If you keep your eyes on the calendar, the reality is that you will have a bigger chance of bagging a bargain. With that in mind, below you’ll find some useful tips that finally answer the question – when is the best time to buy a car?

Remember the seasons

It’s hard to see why the seasons should affect the price of a car on the surface. But, when you delve deeper, you’ll spot a couple of blindingly obvious issues. For instance, convertibles are much more pleasurable to drive in the summer. As a result, the demand for convertibles is high in the warmer months, which can add onto the asking price. Conversely, summer is a good time to shop for a 4×4 since demand is low compared to the wintertime.

Factor in the launch of number plates

Number plates have the same effect on car sales as the weather. When the latest registrations are released, people flock to get hold of cars that represent the fact they own a new plate vehicle. As a result, the demand at the time is incredibly high, meaning that there isn’t much room for haggling.

The trick is to stay away from dealerships on these busy dates, which are usually March 1st and December 1st. Instead, you should go much later in the month, or the year if you have the room to manoeuvre, to avoid paying higher rates.

Understand your budget

Your budget will change monthly. This is because you will have regular incomings and outgoings that affect your ability to pay for a vehicle outright. Yes, you can save up, but it takes the average person years to accumulate enough to walk into a dealership and drive away with a brand spanking new motor.

You may now have answered when is the best time to buy a car but how will you pay for it? You may have the option to purchase a car through a financing service that breaks your expenses down into bite-size chunks. By paying monthly, you should have plenty in your account to cover the transactions. And, it doesn’t matter if your credit is low as car finance poor credit deals are available. Once you understand your budget correctly, you can find ways to get what you want without having to wait a lifetime.

At My Car Credit, we are specialists in finding top-of-the-range financing solutions that are tailored to your specific requirements. With us, you don’t have to bother about the time of year as we scour the industry to locate the best quotes. Call us today to learn how we can guide you through the process!

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

What Car is Best for Me?

Family car with lanscape

Shopping for a new car is exciting. But without a well-thought-out strategy it can also feel overwhelming. With so many manufacturers and models to choose from, it’s easy to get lost in the process and end up with a vehicle that’s not perfectly suited to your unique needs.

The good news is, we’re here to help. We’ve put together a guide to some of the most important factors to consider when shopping for a new car. As well as budget, we cover big variables like size, environmental footprint, safety and fuel efficiency.

Budget

Budget will be one of the biggest factors you consider when browsing new cars. Ultimately, this will determine what make and model you can afford, as well as variables such as mileage, servicing history and overall condition. It’s important to crunch the numbers before you commit to a purchase, factoring in extras like insurance, servicing, petrol expenses and any upgrades you may want to make. We make it easy with our car loan affordability calculator. This simple tool is designed to give you a good estimate of what you can get for your budget.

While some motorists have the funds to purchase a new car outright, most take advantage of finance. Designed to boost purchasing power, car finance allows you to spread out the cost of purchasing a new vehicle by establishing monthly payments that align with your budget. Brits are no strangers to car finance, with the latest data from the Finance and Leasing Association (FLA) revealing a huge 92.8% of private new car sales were financed between February 2020 and February 2021.

Size and environmental footprint

There are certainly benefits to owning a larger car, however Steve Gooding from the RAC Foundation encourages motorists to consider their needs carefully before investing in an SUV. “We should all choose the right vehicle for the right trip to cut the size of our carbon footprint,” says Gooding. “It is right to question if suburban drivers need a car capable of ploughing over rivers, across fields and up steep hills just to pop to the shops.” With research confirming most SUVs are purchased by urban drivers, Gooding’s comments highlight the importance of considering not only budget when purchasing a new car, but also your environmental footprint.

“It turns out that the home of the ‘Chelsea tractor’ really is Chelsea. One of advertising’s biggest manipulations has persuaded urban families that it’s perfectly ‘normal’ to go shopping in a two-tonne truck,” adds Andrew Simms, co-founder of British think-tank organisation, New Weather Institute.

As well as environmental concerns, size can also impact your driving experience. For example, if you live in Central London and parking is a headache, smaller cars can be a clever choice. Similarly, if you live in the country and you’re regularly dealing with muddy lanes and icy roads, cars with a little more grunt are a safer choice.

Safety

While all cars must comply with national safety regulations, credentials can vary significantly between models. Many drivers choose to invest in cars that not only meet but exceed safety standards. This can be for a variety of reasons, though families with young children are one of the biggest demographics.

The Euro NCAP (European New Car Assessment Program) is a great resource that offers in-depth information on the crash-test credentials of new cars. A star rating is used to evaluate the overall safety of models, as well as assess separate credentials such as child protection, adult protection, safety assist systems and more. Depending on your personal preferences you can use the Euro NCAP to select a car that fits your needs. The testing is rigorous and only a handful of models have been awarded a five-star safety rating by the Euro NCAP in 2021. These include the Polestar 2, Volkswagen ID4, Skoda Enyaq and Cupra Formentor.

Investing in electric

Electric cars are the vehicles of the future, with the RAC estimating there are currently around 150,000 zero-emission Battery Electric Vehicles on British roads. More than 100,000 of these were registered in 2020, suggesting uptake is on the rise. Plug-in Hybrid and Range-Extended Electric Vehicles are also popular, with around 185,000 currently registered in the UK.

For eco-conscious motorists, investing in EVs can be a powerful way to reduce your carbon footprint. There’s plenty to choose from in 2021, with manufacturers continually launching game-changing new models.

Compact and affordable, the Volkswagen ID.3 is packed with tech-savvy features like intelligent interior lighting and voice activated controls. The Volvo XC40 Recharge boasts acceleration performance of zero to 62mph in 4.9 seconds, while the long-awaited Tesla Model 3 is a great entry-level option for fans of the American-owned EV pioneer. When choosing an electric car our key advice is to do your research, read reviews and pick a model that fits your unique needs.

Fuel efficiency

The fuel efficiency of a vehicle can have a big impact on your overall running costs. For this reason, it’s not always advisable to choose a car based exclusively on price. In many cases, spending a little more upfront will unlock big savings at the petrol station. Similarly, cheaper and older models can do an alarmingly good job of guzzling petrol.

While EVs are the ultimate fuel savers, there are many models that offer great on-road efficiency. Smaller is usually better, with models like the Toyota Prius, Ford Fiesta and Skoda Octavia offering great mileage. Fuel efficiency can also vary significantly in larger vehicles such as SUVs. If this is a priority for you it’s always best to research different models before making a purchase.

Buying the best car for you

Ready to get behind the wheel of your new car? We’re here to help. At My Car Credit we specialise in offering great deals on car finance, at rates tailored to fit your individual needs. We work with lenders across the UK and are backed by Evolution Funding, one of the largest and most trusted car finance brokers in the country. Whether your priorities are budget, safety, size, fuel efficiency or environmental impact, we can help get you into the driver’s seat of your dream car.  

 

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Age vs Mileage – Which is More Important for a Used Car?

Car dashboard showing mileage

When it comes to buying a used car, age and mileage are two of the key considerations which will affect both the condition of the vehicle and its price tag – as well as your decision whether to seal the deal or not. But is used car mileage more important than age, or vice versa? The answer isn’t quite as simple as either of those options.

What’s in a number?

As key indicators of how far through its lifespan a vehicle is, age and mileage are both important points to consider when weighing up whether to buy a used car or not. However, they’re both entirely relative.

For example, a 10-year-old car with 100,000 miles on the clock could be in far better shape than a five-year-old one with half that mileage, if the owner has been more assiduous in their maintenance of the vehicle. Similarly, a car that has been used mostly on motorways and for long-distance journeys is likely to suffer fewer problems than one which has spent the majority of its life in the stop-start traffic of a busy city.

With that in mind, it’s important to look at the car’s condition, service record and list of previous owners before making a decision. Used car mileage and age are both useful indicators of its value – but with no context, they can only tell you so much.

What’s the best age to buy a used car?

Following on from all of the points discussed above, there is no one-size-fits-all answer to this question. The best age to buy a used car will vary from vehicle to vehicle, with the car’s previous history a far bigger factor in whether it represents a sensible purchase or not.

However, it may be helpful to consult some statistics to inform your decision. According to the Society of Motor Manufacturers & Traders (SMMT), the average age of a used car at the time of scrappage was 13.9 years in 2015 in the UK. The average age of a used car on the road, meanwhile, was 7.8 years.  

With that in mind, it makes sense to steer clear of cars over eight years old, since you’ll be buying one above the average age. Generally speaking, buying a second-hand car that is under five years old is likely to stand you in good stead for many years. Of course, an older model will almost certainly be significantly cheaper, while there are definitely good deals to be had even with cars that are in double figures.

Do your homework

Taking all of that information into account, the simple answer to the question posited in the title of this article is that neither age nor mileage is more important than each other in isolation. Instead, each will have a bearing on the car’s overall condition, but that condition must take pride of place when it comes to making a final decision when you’re buying a car or looking to finance a used car online.

Don’t rush into any deals, make sure you do your due diligence and research a car thoroughly before you sign on the dotted line. Sticking to that advice will ensure you avoid any nasty surprises and keep you on the straight and narrow when it comes to buying your next vehicle.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

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Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

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