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Should I Buy a BMW Used or New?

When it comes to prestige, nothing compares to BMW. The Bavarian-based auto manufacturer is synonymous with luxury and has launched a myriad of iconic models over the decades, including the high-tech 750iL driven by James Bond. One of the biggest decisions you’ll make when shopping for a BMW is whether to buy new or used. There are a lot of factors at play, which is why we’ve penned this insider’s guide to help you decide, “should I buy a used BMW or splurge on a new model?”

The pros of buying a new BMW

Enjoy the latest bells and whistles

If you’re the kind of person who loves to get their hands on the latest iPhone the day it’s released, you’ll love the satisfaction of getting behind the wheel of a new BMW. Driving out the dealership, you’ll have access to all the latest technology, safety features and luxe extras.

For example, the latest BMW 8 Series Coupé is packed with innovative technology to enhance the driver experience and on-road performance. As well as standard features, you’ll have the option to upgrade to exclusive extras like a Bowers & Wilkins Diamond surround sound system. These are the kinds of perks you just won’t get buying second-hand.

“Should I buy a BMW with an electric motor?” If you’re in the market for an electric BMW, buying new guarantees the latest battery technology. Buy new and you’ll enjoy longer range, faster charge times and a smoother driving experience.

Peace of mind with a new vehicle warranty

Manufacturer warranties usually last for between 6 to 12 months and cover almost all servicing, repairs and maintenance. So, in the first year of ownership you can expect to pay very little when it comes to upkeep.

Savour that “new-car smell”

The intoxicating aroma of freshly-oiled leather, squeaky clean plastic and fresh upholstery is something that comes with all new BMWs.

The pros of buying a used BMW

Unlock big savings

“Should I buy a used BMW?” Value for money is one of the biggest pros of purchasing a used BMW. Cars depreciate in value from the moment they’re driven out the dealership, which means you can unlock big savings by opting for a BMW that’s a few years old.

Enjoy the same features

Many motorists choose to buy new to secure the latest features and tech. However, many manufacturers launch virtually the same model for several years in a row as it’s simply not possible to make big upgrades every year. After a “run” of three or four years, the model will undergo a full revamp and be relaunched with a new exterior, interior, engine and novel features. Are you asking yourself, “should I buy a used BMW if I love the latest tech?” Well, if you do your research and buy a model at the start of its multiyear run, you won’t be missing out on much for the next few years.

Take advantage of the Approved Used BMW scheme

The Approved Used BMW scheme takes the stress out of buying a new car with a laundry list of benefits. Vehicles accepted into the program enjoy comprehensive manufacturer protection, including an unlimited mileage BMW warranty for a minimum of 12 months. This includes any work that needs to be done for the vehicle to pass a MOT test. Every vehicle is also independently checked by qualified BMW mechanics to verify mileage and servicing history.

The much-loved BMW 3 Series

“Should I buy a used BMW from the 3 Series range?” BMW 3 Series models have been delighting drivers for more than 40 years. It all started with the BMW E21, a sporty, compact executive car launched in the 1970s. The second-generation E30 enjoyed similar success, selling more than 2.3 million units. Since then, the BMW 3 Series has maintained its reputation for luxury and prestige. With decades of different models to choose from, it’s no surprise BMW 3 Series models are hugely popular with second-hand buyers.

If you’re looking to buy new, the Seventh Generation BMW G20 launched in 2019 is a great option. It was unveiled at the Paris Motor Show and features a streamlined silhouette and state-of-the-art driver assistance systems. The model has been around for several years now, which means there’s a good amount of availability on the second-hand market.

The Sixth Generation F30 is another gold-standard choice when it comes to pre-owned BMWs. This model was launched in 2011 and manufactured right up to 2019, which means you’ll see some big age variations on the second-hand market. “Should I buy a BMW F30 more than 10 years old?” As always, it’s worth doing your homework when it comes to servicing history, especially if you’re looking at older models.

Teach an old BMW new tricks

“Should I buy a used BMW if I want extras like a heated steering wheel?” Thanks to a brand-new subscription service, it’s never been easier to customise your second-hand BMW. The manufacturer made headlines earlier this month with the launch of a subscription service for extra features. Using the ConnectedDrive Portal, motorists can unlock certain features that weren’t activated when the car was purchased.

For example, heated front seats can be purchased for £15 per month, while a heated steering wheel sets drivers back £10 per month. For another £10 per month, you can also activate automatic high beams, while access to Driving Assistant Plus active cruise control costs £35 per month. The manufacturer revealed that many models already have the hardware built in, it’s simply a matter of activating it.

The service is particularly useful for second-hand car owners, who may want to add extra features the previous owner didn’t splurge on. BMW also says the subscription model allows drivers to “experiment” with different features and decide whether they’re worthwhile before they purchase them outright.

Get into the cockpit of a BMW today

“Should I buy a BMW?” Absolutely. Whether you’re in the market for a pre-loved BMW i3 or a sleek new BMW 8 Series Convertible, we can help you to find the perfect car finance to get you into the driver’s seat of your dream car.

Our car finance checker makes it easy to crunch the numbers, without affecting your credit score. The process is quick, easy and allows you to shop around for the best BMW car finance deals before making a decision. For more details, get in touch with our friendly team today.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£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!

or call 01246 458 810

Top 5 Cars for City Driving

Driving in a busy city is no walk in the park. From clogged traffic to congestion charges, there are many different factors that you need to consider before starting your trip. And with so many cars on your journey, you need to be hyper-aware of other road users and make your intentions clear. Forget to signal and the car behind you might just bump into you.

Given how stressful city driving can be, it’s no wonder that more and more drivers are gravitating toward convenient cars that take the stress out of their daily commutes. But in an increasingly competitive marketplace, choosing the right city car can be very difficult. Well, don’t worry – we’re here to help.

To make the decision easier for you, our expert team has chosen the top 5 cars for city driving. These are our recommendations…

Fiat New 500

We’ll start with a fresh take on a classic. The Fiat 500 has been a staple for city drivers since the mid-20^th century, with nine different versions since then. Now, the Italian manufacturers have given their most popular car a new twist. Unlike previous models, the Fiat New 500 runs entirely on electric power. With a battery range of 199 miles, this comfy hatchback will only need recharging once a week even if you drive it daily. This makes it one of the most convenient EVs on the market.

But there are even more features that make it such a perfect car for city driving. Thanks to its compact body and light steering, the Fiat New 500 will allow you to navigate busy city intersections without much difficulty. If you’re looking for a smaller car for your everyday commute, look no further than the Fiat New 500.

KIA Picanto

We know what you’re thinking – how can a car so big be any good for city driving? The short and sweet answer is that the KIA Picanto is one of the most practical and safe cars on the market. In spite of its bulky size, this masterpiece of Korean engineering is an extremely easy ride thanks to its soft suspension and smooth transmission.

That’s paired with some of the most comfortable car seats you’ll find in this range. With the Picanto, even the most tortuous commute is a cosy and snug experience. So, if you find it hard to relax on your seat while managing the hectic start-stop traffic of city roads, this is the car for you.

Toyota Aygo X

The Japanese automobile manufacturers have marketed the Toyota Aygo X as the ultimate city car. They’re not wrong. Boasting a highly sophisticated style, this compact crossover has redefined what city driving means. And it’s all thanks to its higher seating position, which gives you a better view of the traffic surrounding you.

On top of that, the Aygo X is chock-full of city-friendly features – such as parking sensors and cameras that will make you feel as safe as in your own home. If parallel parking drives you nuts, look no further than the Aygo X.

Hyundai i10

Specifically designed for city driving, the Hyundai i10 is a comfy hatchback that boasts firm suspension and light steering. Without a shadow of a doubt, the best thing about this compact city car is how smooth its engine is. It shifts seamlessly between gears, making it the perfect car to navigate the urban jungle.

For a small car, the Hyundai i10 offers plenty of head and leg room. Even drivers and passengers over six feet tall will have extra room to breathe – making it one of those rare cars for city driving that can also play the part of a family hatchback.

Vauxhall Viva

Last but not least is the Vauxhall Viva. A doddle to drive around a busy town centre, this agile city car has recently been re-jigged. Because of its sprightly handling and outstanding visibility, the Viva is a perfect car for drivers who want to feel safe during their daily commute.

Under the protective wing of the Vauxhall Viva, getting from point A to point B has never been easier.

Find the perfect car for city driving

Looking for the perfect city car but aren’t sure which one to go for? Don’t worry. At My Car Credit, our expert team can help you decide. In a few minutes, they’ll provide you with a no-obligation car loan quote. All you have to do is ring us on 01246 458 810, or you can email us at enquiries@mycarcredit.co.uk.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Top 6 Best Cars for New Parents in 2023

Is the Hyundai i10 a good car to buy?

Top 9 underrated cars under 10K

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£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!

or call 01246 458 810

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Types of Tesla Models: Which Car is Right for Me?

With sleek silhouettes, luxurious interiors, next-gen technology and a sultry electric purr, there’s no mistaking a Tesla. While there are many different types of Tesla models on British roads, all share the same prestige and eco-friendly reputation.

The company made global headlines in 2009 with the launch of the all-electric Roadster sports car powered by a lithium-ion battery. It was followed by the more family-friendly Model S sedan in 2012, which received widespread praise for its impressive range and acceleration power. Next came the spacious Model X SUV in 2015, a futuristic crossover that pushed the boundaries of EV design and performance.

Today, Tesla drivers are spoiled for choice. British motorists can buy new or second-hand, which significantly expands the types of Tesla models available. To help you decide, we’ve put together a roundup of the latest models, as well as some not yet launched models to keep an eye on.

A quick intro to Tesla

If you’re in the market for a Tesla, you probably already know quite a bit about the company. But just in case, let’s take a moment to get up to speed. The company is based in California and manufacturers electric vehicles (EVs). Elon Musk is founder and CEO of the company and is no stranger to publicity. The eccentric entrepreneur doesn’t just dabble in EVs. He’s also the architect behind SpaceX, an aerospace manufacturer attempting to revolutionise the sector and make commercial space travel a reality. Musk has made waves for his support of cryptocurrency Dogecoin and his unusual baby name choices.

Controversies aside, there’s no denying Musk has earned enormous respect in the EV sector. Teslas are coveted around the world and the UK is no exception.

Teslas on British roads

Tesla enjoyed record sales in the UK in 2021 and played a pivotal role in helping the country meet an EV market share milestone. The latest new car registration data from the Society of Motor Manufacturers and Traders (SMMT) reveals that for the first time, EVs accounted for 10% of sales in 2021. This represents an impressive jump from the 6.6% recorded in 2020.

Tesla was a major contributor, with the Model 3 topping the chart as the best-selling EV in Britain in 2021. According to the SMMT, 34,783 of the vehicles were sold. The model drastically outsold the Kia e-Niro, which was the second most popular EV purchased in 2021. Just over 12,000 units were delivered.

It’s not just the EV market the Model 3 is dominating. The wildly popular Tesla model was also the second most purchased vehicle in the UK overall in 2021. It was trumped only by the Vauxhall Corsa, which was purchased by almost 41,000 motorists.

Types of Tesla models: Which is right for me?

Currently, British motorists can choose from four different types of Tesla models. We take a closer look at each below:

Tesla Model S

Range: 396 miles

0-60 mph: 1.99 seconds

Top speed: 200mph

Peak power: 1020hp

Starting price: £91,980

If you’re looking for speed, the Model S boasts the fastest acceleration of any vehicle in the Tesla family. The latest Plaid version is equipped with tri-motor propulsion technology and offers incredible performance. The model brings state-of-the-art battery architecture to the table, as well as all-wheel drive (AWD) handling. The silhouette is clean and low lying, taking cues from luxury sports cars like Jaguars. Overall, this is definitely one of the most luxurious types of Tesla models.

Tesla Model 3

Range: 374 miles

0-60 mph: 3.1 seconds

Starting price: £45,990

In a nutshell, the Tesla Model 3 is an affordable and toned-down version of the Model S. The accessible price point, combined with the practical four-door sedan design, has helped to establish it as one of the most popular types of Tesla models. The model is equipped with Autopilot, Tesla’s signature driver assistance software, designed to enhance safety. For a cost, you can upgrade to self-driving technology.

Tesla Model X

Range: 329 miles

0-60 mph: 3.8 seconds

Starting price: £98,980

Tesla answered calls for an SUV with the Model X. With space for seven passengers, it’s one of the largest types of Tesla models. It combines the generous dimensions of an SUV with the luxurious features of the Model S. Think an enormous interior touchscreen, futuristic Falcon Wing doors and, of course, Autopilot functionality.

Tesla Model Y

Range: 318 miles

0-60mph: 4.8 seconds

Starting price: £54,990

Looking for a Tesla that toes the line between the Model 3 and Model X? The Model Y steps up with a clever compact SUV and an affordable price tag. With loads of space and great range and performance, it’s no surprise this is one of the best types of Tesla models for families.

Cybertruck

The Cybertruck hasn’t been launched yet but like all Tesla models, there’s plenty of hype surrounding the newest member of the family. The model is the company’s foray into the pick-up truck market, which will undoubtedly make waves in the US. With a solid stainless-steel body, sharp angular lines and armoured glass windows, it’s not for the faint of heart. The first models are expected to hit US roads in late 2023, with the UK launch subject to demand. Basically, you’ll need to sit tight if you want to get your hands on one of these types of Tesla models.

Roadster

After huge success with other models, Tesla has refocussed its attention back to the Roadster. The goal is to launch the fastest EV in the world, and if the rumours of 0-60mph acceleration in 1.9 seconds and a top speed of more than 250mph are true, the company is on track.

Car financing for your Tesla

Whether you’re in the market for a second-hand Model S or a gleaming new Model X with all the bells and whistles, we can help you get behind the wheel of your dream Tesla.

Use our finance calculator to get a car loan quote and join the Tesla family. Or, if you’d like to learn more about what we offer, send us an email or speak to our friendly team on 01246 458 810.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Top 6 Best Cars for New Parents in 2023

Is the Hyundai i10 a good car to buy?

Top 9 underrated cars under 10K

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£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!

or call 01246 458 810

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Best Long Distance Cars for 2022

Person on a road trip looking at a road map

From lengthy commutes on the motorway to fun-filled weekend road trips, long distance driving calls for a certain calibre of car. Sure, you can get from A to B in a zippy Ford Fiesta or Kia Picanto. But if you really want to elevate your experience, it’s worth investing in a sturdy set of wheels.

If you’re in the market for a new vehicle in 2022, you won’t want to miss our roundup of the best long distance cars. We’ve got all bases covered, whether you prioritise safety and comfort, or fun features like a state-of-the-art sound system or driver assist technology.

Mercedes EQS – Best for Safety

Not only is the Mercedes EQS one of the safest electric cars on the market, it’s also one of the safest executive models on British roads. It earned an impressive five-star rating from the Euro NCAP car safety performance assessment programme, with adults enjoying a score of 96% and kids clocking in at 91%. Advanced collision-avoidance technology helps boost the score, as do features like intelligent digital headlamp technology. Designers didn’t just prioritise passengers, with the Mercedes EQS receiving top points for safeguarding vulnerable road users such as motorcyclists and pedestrians.

On-road performance doesn’t take a back seat, with the all-electric range Mercedes EQS offering a range of up to 450 miles on a single charge. That’s enough to take you all the way from London to Edinburgh! Find yourself a rapid charging station and you can replenish the battery in just over 30 minutes.

Audi A1 Sportback – Best Sound System

Most auto manufacturers offer cars with built-in sound systems. Though, of course, some outperform others. If you’re looking for an immersive experience where you can literally feel the beat, it’s hard to look past the Audi A1 Sportback with its factory installed Bang & Olufsen sound system.

11 active speakers ensure all passengers enjoy a sublime listening experience, while an impressive 560 watt rating keeps sound crystal-clear at high volumes. What really sets the A1 Sportback apart is the Symphoria® Virtual 3D algorithm. The technology is state of the art and uses acoustic echoes from the windscreen to create an immersive sound experience.

Skoda Superb Estate – Best for Boot Space

A cavernous boot makes the Skoda Superb Estate one of the best long distance cars in the UK. The model offers 660 litres of boot space with the rear seats in place – more than enough room to stash luggage, furry friends and anything else you might need for a road trip. Fold down the rear seats and you’ll unlock an enormous 1950 litres of boot space.

Tesla Model S – Best EV Range

Thanks to huge advances in battery technology over the past few years, EVs are now some of the best long distance cars on the market. The Tesla Model S offers an impressive 405 miles of distance on a single charge, giving it one of the longest ranges of any EV. That’s more than enough to take you from Manchester all the way down to Devon.

New Range Rover – Best for Luxury

Range Rover has been a British icon since the 1970s. With motorists like Queen Elizabeth II behind the wheel, it’s no surprise the brand knows a thing or two about luxury. The New Range Rover takes its royal reputation to the next level with incredible attention to detail and superlative performance.

The interior is nothing short of a sanctuary, with buttery soft leathers, premium textiles and gleaming veneers used to create a luxe aesthetic. Intuitive technology like the company’s award-winning Pivi Pro infotainment system makes long trips an absolute treat. If you’re gearing up for adventure, features like Terrain Response 2 mode to customise traction makes it easy to tame tough terrain.

Peugeot 208 – Best Gas Mileage

With gas prices on the rise, mileage is a big factor when selecting the best long distance cars. Of all the models currently on the market, the Peugeot 208 boasts one of the top rated internal combustion engines. Under the hood is a 1.2-litre PureTech 75 engine that offers an impressive range of 55.6mpg. CO2 emissions start at just 119g/km, which makes the Peugeot 208 a great choice for eco-conscious drivers. If you’re driving long distances and want to minimise your petrol costs and environmental footprint as much as possible, the Peugeot 208 is a savvy option.

Skoda KAMIQ – Best Crossover SUV

With a legacy dating back to 1895, the Czech auto giant is well versed in the art of manufacturing cars. The Skoda KAMIQ combines a laundry list of features to earn a place on our countdown of the best long distance cars. For starters, you’ll enjoy clever features like traffic sign recognition technology and built-in GPS to make your trip as smooth as possible. Safety is taken seriously, which is always a priority when you’re driving long distances. In the Skoda KAMIQ, features like lane assist and rear parking cameras help to keep you safe at every stage of your journey.

Kia Sportage – Best Warranty

When it comes to warranties, no manufacturer does it better than Kia. That’s why the Sportage makes our countdown of the best long distance cars. The manufacturer stands behind this model with a hefty 7 year or 100,000 mile warranty. It’s even transferrable to new owners, so if you decide to sell your Kia within the warranty period, the new owner can enjoy the benefits.

As for the car itself, we love the sleek yet powerful silhouette, which effortlessly transitions from the city to the countryside. On long drives, the Kia Connect system makes it easy to customise your experience.

Go further with the best long distance cars

Ready to hit the road in one of the best long distance cars available to British motorists? We can get you into the driver’s seat faster with competitive, tailored car finance solutions.

Wondering “how much car finance do I qualify for?” Check out our YouTube video to learn more about financing and figure out how far you can stretch your budget. Or for further advice about car finance, get in touch with our helpful team today.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Top 6 Best Cars for New Parents in 2023

Is the Hyundai i10 a good car to buy?

Top 9 underrated cars under 10K

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£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!

or call 01246 458 810

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Is It Easy to Learn to Drive an Automatic Car?

Woman learning to drive an automatic car

According to the RAC, an average learner needs 45 hours of driving lessons and a minimum of 20 hours of private practice to pass a driving test. The more time spent on the road, the more familiar learner drivers will be with navigating potential hazards.

But if you’re looking to pass your driving test as swiftly as possible, it will be easier to learn to drive in an automatic vehicle.

Are automatic cars easier to learn to drive?

It’s easier to learn to drive in an automatic compared to a manual vehicle. You don’t have to manage either gears or clutch control, which makes it much easier to learn to drive an automatic vehicle as a result.

Other benefits to automatic cars include their relative fuel efficiency (compared to manual vehicles), and they’re also easier to drive in urban spaces where you’ll likely have many stop-start journeys.

However, driving lessons in an automatic may be more expensive – although you’ll likely need fewer than in a manual, as the learning process will be shorter. If you only learn on an automatic license, you also won’t ever be able to drive a manual car.

It may be more expensive to insure an automatic car, as they tend to be in a higher risk bracket, and repair parts are costly compared to their manual counterparts. Younger drivers may also find it easier to locate a manual car in their search for the ideal first car, both in terms of the price and variety on offer.

Further questions?

If you’re a learner driver deciding whether to acquire an automatic or manual license and have further questions, get in contact with My Car Credit today on 01246 458 810. We’ll help you establish your car finance eligibility and address any other queries you may have.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Top 6 Best Cars for New Parents in 2023

Is the Hyundai i10 a good car to buy?

Top 9 underrated cars under 10K

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£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!

or call 01246 458 810

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Top 5 Fun Summer Cars to Drive in 2022

Whether it’s style, substance or speed that you’re after, we’ve put together five of the most fun summer cars for 2022 driving.

Fun cars for your summer drives in 2022

Alfa Romeo Giulia

Say hello to a Ferrari-based twin-turbo engine, as well as agile handling, rear-wheel drive, and a smooth automatic gearbox. The car also doesn’t compromise on either style or comfort – the front seats are super supportive, and the ride overall is very comfortable. Admittedly, you might be a little cramped in the rear seats, and the interiors aren’t quite as luxurious as competitors. Still, if you’re looking for a small car that’s both good looking and super fun to drive throughout this summer, you’d be hard-pressed to beat the Alfa Romeo Giulia.

Volkswagen ID Buzz

This one’s a little cheeky on a list of fun summer cars, as it’s both a van and technically not out yet, but you can register for pre-booking. A fully electric vehicle that charges in around 30 minutes, with an advertised range of over 250 miles, the ID Buzz is also designed to emulate the old VW camper vans in look. If that’s not a core summer vehicle, we don’t know what is. Practical, green and conjuring memories of family holidays, the VW ID Buzz and Buzz Life Pro are guaranteed to get a smile on your face.

Mazda MX-5

A classic launched in 2015, the MX-5 is still topping our list of fun summer cars in 2022. It’s a convertible, providing the perfect chance to make the most of sunny weather, but is also comparatively affordable and reliable, too. It’s also a sleek car in terms of design. Plus, the drive is excellent, thanks to the rear-wheel drive layout and sports-car-like feel and control. It’s only a two-seater, so it’s not suitable as a family car – and you certainly won’t be able to cart around large suitcases. But, for a fun summer car, the MX-5 is formidable.

Hyundai i30N

Not to be sniffed at, the i30N has alloy wheels, a two-litre turbocharged petrol engine, and a six-speed gearbox, making it a dream to drive. Note that you can pay extra for a dual-clutch automatic gearbox and a ‘fastback form’, if you want to live out your racing car fantasies. The interiors are sleek and comfortable too, with touchscreen technology and impressive safety features.

Mini Convertible

For urban drivers, a Mini Convertible is hard to beat. It’s expensive, sure, but the running costs are reasonable, and it’s a Mini. That means it’s super fun to drive, and you have your choice of trim, depending on what model you go for – but, being Mini, even the entry-level is pretty swish. The convertible drives well, with good fuel efficiency and agile handling. Be aware, though, that the drive is a little firm.

Take to the road this summer

If these fun summer cars have got you itching for an upgrade, head to My Car Credit for a no-obligation car loan quote, or speak to one of our friendly advisors on 01246 458 810.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Top 6 Best Cars for New Parents in 2023

Is the Hyundai i10 a good car to buy?

Top 9 underrated cars under 10K

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£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!

or call 01246 458 810

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Top 10 Cars with the Best Tech

Everyone has different priorities when it comes to cars. Some people value performance, others prioritise value for money, and many seek out cars with the best tech. Needless to say, the latter is one of our favourite ways to rank models. Here are our top 10 cars with the best tech.

Auto manufacturers are continually exploring new ways to enhance the driving experience. This means that today’s models offer more bells and whistles than ever. And we’re not just talking about rear vision cameras and parking assistance. Think nightclub-worthy sound systems, collision-avoidance technology and built-in night sky simulators.

If you’re a technophile, you’re in luck. Read on as we list the top 10 cars with the best tech. Our countdown covers all bases, including budget-friendly models and luxury icons.

Tesla Model 3

Tesla is a pioneer of automotive technology and we’re not just talking about battery power. If you’ve ever been behind the wheel of a Tesla or even peered in through a window, you’ll have noticed the enormous screens. These are a signature feature and control everything from cabin heating and cooling to headlight activation. On motorways, the Tesla 3 more or less drives itself thanks to the next-generation Autopilot system. When it comes to fun, the Tesla 3 is definitely one of the cars with the best tech. This model is packed with novel tech features, including custom horn options.

Kia Rio

The Kia Rio may be small, but it punches well above its weight in terms of technology. Safety is front of mind thanks to Forward Collision-Avoidance Assist (FCA) technology that uses a front bumper radar to detect potential hazards and brake automatically, if necessary. As well as your choice of Android Auto™ or Apple CarPlay™, you’ll enjoy Kia Connect services that integrate features like in-car navigation, weather updates and fuel pricing, so you can find where to buy the cheapest fuel.

When approaching your destination, you’ll get real-time information on public parking space locations, pricing and availability. Download the Kia Connect app and you’ll enjoy even more technology at your fingertips.

Mercedes S-Class

Mercedes has always been at the forefront of tech features and the S-Class is no exception. The huge touchscreen can be activated and locked using facial recognition. If you hate squeezing into tight spots, you’ll love the parking features that many high-tech cars offer. Mercedes has developed some of the best parking assist technology in the business, making it a cinch to pull into even the tightest spots.

Hyundai Ioniq 5

Hyundai is known for offering reliable cars that are excellent value for money, and the Ioniq 5 doesn’t disappoint. An all-around camera system makes it easy to keep tabs on your surroundings. If you like to set off on weekend camping trips, the Hyundai Ioniq 5 features a built-in household socket to keep all your appliances charged.

BMW iX

The latest SUV from BMW will impress even the most discerning technophiles. This space-age model is packed with easter eggs, including radiant surface heating technology designed to keep the cabin cosy on chilly winter mornings. Instead of a traditional blind, the sunroof can be changed from transparent to opaque at the touch of a button.

2021 Ford Mustang Mach-E

The Ford Mustang Mach-E is another all-electric car packed with all sorts of technology. One exciting feature is the enormous 15.5-inch screen that not only acts as an infotainment hub but is also used to customise a laundry list of vehicle settings.

2021 Nissan Versa

An affordable price tag and loads of tech-friendly features earn the 2021 Nissan Versa a place on our list of cars with the best tech. Safety buffs will love features like Automatic Emergency Braking and Lane Departure Warning.

Audi A7 Sportback

Audi has reimagined the limits of a family car with the A7 Sportback. The model treats you to a suite of high-tech features, including an intuitive HD MMI touch display screen. The signature Audi Virtual Cockpit swaps traditional dials for a fully customisable digital screen. Download the myAudi app and you’ll unlock more tech savvy features, including entertainment functions, real-time information about your car and a remote sensor that allows you to lock and unlock your Audi from anywhere in the world.

2022 Range Rover

No model eclipses the new Range Rover in terms of luxury. The car is literally fit for a queen and dazzles passengers with features like ‘hot stone’ massage seats. A Pivi Pro infotainment system takes connectivity to the next level with a sleek ‘floating glass’ touchscreen, intuitive interface and 3D maps. Rear seat passengers aren’t left out, with a high-definition entertainment system compatible with screen mirroring and HDMI connectivity. Definitely one of the top cars with the best tech in terms of entertainment.

Rolls Royce Phantom

The Rolls Royce Phantom is an icon for a reason. Favoured by the likes of David Beckham and Kim Kardashian, this model is the epitome of luxury. One of our favourite features is the Starlight Headliner, which uses fibre-optic lights to create a dazzling night sky. You can even customise constellations. Whispers, the exclusive owners-only Rolls Royce app, is backed by a 24/7 concierge.

Finance the best tech

Whether you’re a budget-conscious buyer or ready to splurge on a luxury model, you’ll be impressed by the cutting-edge technology integrated into cars today. Now you know more about cars with the best tech, it’s time to start browsing the market. The first step is setting a budget, which calls for a fair amount of number crunching. Our car finance calculator simplifies this step with a handy tool that shows you how to work out APR on a car loan in seconds. Simply punch in your numbers and discover how to get the most out of your budget.

For more information on how to calculate car finance interest and secure the best deals, get in touch by email or give us a call on 01246 458 810.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Top 6 Best Cars for New Parents in 2023

Is the Hyundai i10 a good car to buy?

Top 9 underrated cars under 10K

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£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!

or call 01246 458 810

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Why Drivers Are Making the Switch to an Electric Car

Open charge point after making the switch to an electric car

In October 2021, the Office for National Statistics reported that over half of younger drivers are looking to switch to an electric car within the next decade. That’s a serious swathe of motorists jumping ship from petrol and diesel vehicles.

But why are drivers making the switch to an electric car, and what benefits could it bring you to follow suit?

The benefits of switching to an electric car

Better for the environment

EVs are playing a major role in the transition to net zero. EVs are all-round better for the environment than their petrol or diesel counterparts – even factoring in the amount of energy required for both their initial production and ongoing running.

For a start, they don’t produce any carbon dioxide, so reduce air pollution. In fact, one electric car can save around 1.5 million grams of CO2 from entering the atmosphere.

Plus, because EVs don’t use diesel fuel, they don’t produce nitrogen oxides, which are harmful particulates that have been linked to poor health indicators, including respiratory illnesses and heart disease.

Minimal noise pollution

As well as reducing air pollution, EVs help with noise pollution, as they’re significantly quieter than petrol or diesel vehicles.

This makes a difference to traffic-dense urban areas, but the relative quietness of EVs also makes them more enjoyable to drive, too. The most you’ll hear from an EV is the slight whirring of its electric motor – you’ll no longer be competing with the rumbles and revs of an engine.

Getting ahead of the petrol ban

From 2030, the sale of new vehicles powered by either petrol or diesel will be banned. You’ll still be able to buy second-hand petrol or diesel vehicles, and there’s wiggle room for hybrid cars too, but otherwise new non-EVS are being phased out in the UK.

Increasing numbers of drivers are making the switch to an electric car in order to get a jump on the petrol ban before it becomes law.

Range

Concerns about the short range of EVs have often put potential buyers off. However, as EVs have begun to take hold of the market, the industry has made leaps and bounds in terms of improving their range.

If you’re considering making the switch to an electric car, it would be worth evaluating your driving habits and needs. If you’re not regularly making long, cumbersome motorway journeys, then your weekly car travel is likely more than within the range of an EV.

Improved charging

As more individuals opt to make the switch to an electric car, both private and public changing infrastructure is rapidly improving. From domestic wall boxes to public charging spots, the options are both getting better and appearing with greater frequency. In fact, some supermarkets offer free charging hubs, and businesses are moving in similar ways to offer employees the chance to charge EVs as they work.

Motorists who opt for Teslas can also benefit from the company’s Supercharger network, which is one of the best charging networks for EVs around.

The UK Government’s Rapid Charging Fund is designed to meet the ever-increasing consumer demand for EV charge points. By 2035, the plan is for around 6,000 high powered charge points to be readily available across the country’s motorways and major A roads.

Low running costs

Admittedly, the initial purchase of an EV can be expensive. However, once you’ve made the switch to an electric car, there are far lower running costs involved.

There’s inevitably variation between the make and model of vehicle, as well as between electricity providers, but a full charge of an EV only costs a few pounds, which is significantly less than it costs to fill a tank with fuel. Given the fluctuation in fuel prices, this is one of the key benefits to EVs at the present time.

There are also various incentives for switching to an EV, from benefitting from a plug-in grant through to tax exemption for company cars.

Plus, EVs are both cheaper and easier to maintain compared to gas-powered vehicles, as they have fewer parts and generally suffer less wear and tear.

Find out how we can help you switch to an electric car

If you’re ready to make the switch to an EV, our helpful team can get you a no-obligation electric car loan quote in minutes. We’re easy to reach on 01246 458 810, or you can email us at enquiries@mycarcredit.co.uk.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Top 6 Best Cars for New Parents in 2023

Is the Hyundai i10 a good car to buy?

Top 9 underrated cars under 10K

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£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!

or call 01246 458 810

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Are Automatic Cars More Expensive?

If you’re looking to get a new vehicle, there are many factors that will impact your final decision. One of the biggest considerations is choosing whether to purchase an automatic or manual vehicle.

Automatic cars have many benefits, but they are more costly to purchase than manual vehicles. So, why exactly are automatic cars more expensive? Read on to learn more…

Automatic vs. manual

If you’re driving a manual car, you’re in charge of the vehicle’s gearbox and clutch. With automatic cars, there are generally only four ‘modes’ of travel, and two pedals – one for accelerating and one for braking. The car itself changes gear according to the speed at which you’re travelling.

There are advantages and disadvantages to an automatic, and whether it’s right for you will depend on your needs and preferences.

Automatic vehicles – the benefits

Better for traffic

If you’re in an urban area with traffic, your journeys will be stop-start. Constantly remaining on the clutch can be tiring and could cause leg ache.

Plus, automatics are safer. The automatic transmission means there’s little risk of stalling, and you don’t have to take your hands off the wheel in order to change gear. This makes navigating tricky junctions easier, allowing you to focus on the hazards of the road.

Fuel efficient

If you’re looking to purchase a newer automatic vehicle, these tend to be more fuel efficient than their manual counterparts.

Plus, the government’s 2030 petrol ban means that new petrol and diesel car sales are ending soon in favour of EVs, which don’t have gearboxes and therefore work like automatics. Manual cars are going to become increasingly phased out over time, to be replaced with EVs and second-hand automatics. Purchasing an automatic vehicle is ultimately a more future-proof decision than purchasing a manual.

Automatic vehicles – the drawbacks

License limitations

If you only have an automatic license, you can only drive automatic vehicles. To drive a manual, you’d need to take another driving test.

Less control

An automatic vehicle will change gears for you according to your speed. So, if you’re a driver who prefers to stay in control, you’ll find automatic vehicles frustrating.

More expensive

Automatic cars are more expensive to purchase – and are also often more expensive to insure.

Why are automatic cars more expensive?

Automatic gear boxes are more complex than manual counterparts, because they rely on automatic transmission. As a result, they’re more expensive to produce, and the overall pricing of the vehicle reflects this.

It also means that automatic cars are more expensive to repair, and may even require more costly breakdown cover as a result of mechanical particularities or towing limitations. This results in a higher insurance premium for automatic cars too.

Take the expense out of automatic cars

Find out how My Car Credit can help you fund your purchase of an automatic vehicle. Use our car finance calculator for a no-obligation quote and start your journey towards securing affordable car finance that suits your needs today.

Want to learn more? Get in touch with our team on 01246 458 810 or enquiries@mycarcredit.co.uk.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Top 6 Best Cars for New Parents in 2023

Is the Hyundai i10 a good car to buy?

Top 9 underrated cars under 10K

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£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!

or call 01246 458 810

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8 Benefits of Getting an Electric Car on Finance

Man using the console on his electric car

More and more people are choosing an electric car on finance. With good reason too. The choice combines the benefits of electric cars on their own with the flexibility and convenience of ever-popular car finance.

In this post, we’ll dig a little deeper into the trend with 8 benefits of buying an electric car on finance.

1. Fuel costs

Firstly, there are the benefits of electric cars compared to getting a petrol or diesel vehicle on finance. Now more than ever, people are looking to get away from the unpredictable (and generally sky-high) fuel prices. Electric vehicles are the best alternative.

According to EDF Energy, it costs around £7 for 100 miles of range from a rapid charge point. Even in a relatively efficient 50mpg car, that would require around 9 litres of fuel – costing at least £14 with today’s fuel prices.

2. Running costs

When you choose an electric car on finance, you also benefit from lower running costs. Aside from fuel, electric cars require less maintenance than those with internal combustion engines because they have fewer moving parts. At present, fully electric vehicles are also completely exempt from road tax. Not to mention the money you’ll save on inner-city emissions charges, with lots of cities looking to follow suit after London.

3. Spread the cost

Now onto the benefits of an electric car on finance specifically. Despite the cost advantages above, there’s no denying that electric vehicles come at a premium. At the moment, that’s because they’re produced in smaller numbers and use newer technology. But that doesn’t mean you have to wait until they become more commonplace to make the switch.

Car finance allows you to spread the cost of your electric car over two, three, four or even more years. Over 48 monthly payments, a £3,000 difference between a petrol and electric car becomes just over £60 a month, plus a little interest depending on the rate you’re offered.

4. Get the latest model

When electric cars were in their adolescence, range was one of the biggest stumbling blocks. Drivers were put off by cars that could only achieve 100 miles or so before they needed charging. Now, those worries have been swept aside with a standard electric car easily achieving upwards of 200 miles from a single charge.

That said, if you want the widest range, you’re best going for a newer model. Without car finance, you may have to settle for an older model and frequent recharging. By opting for an electric car on finance, you can enjoy the freedom of better range – not to mention all the other state-of-the-art features you’ll get with a newer model.

5. And carry on doing so

Enjoyed driving one of the latest electric cars? You can continue to do so with the right car finance on your side. Personal contract purchase (PCP) deals, for example, come with an optional balloon payment at the end of your deal. In simple terms, you make monthly payments towards the cost of the car, then choose whether you want to make one final, bigger payment to own it outright when your term ends.

If you want to stay up to date and swap your electric car for a newer model, you can do exactly that. Give the car back, sidestep the balloon payment, then take your pick from whatever the car world has to offer in a few years’ time. With the current pace of electric vehicle developments, there could be some pretty impressive cars to choose from.

6. Stay ahead of the curve

Because finance makes it easier to switch to an electric car, it allows you to do so right now. That means you won’t spend the next three, four, five or even more years wanting to make the switch – but putting it off.

Here’s why that’s such a boon – the sale of new petrol and diesel cars will end in 2030. The closer we get to that date, the more demand there is for electric cars and the infrastructure that supports them. We’re talking about home chargers, above all else.

By getting an electric car on finance, you can make the switch before most other drivers. You can get to grips with driving an electric car, kit out your home with a nice charger and then sit back while everyone rushes around in a few years’ time.

7. Don’t forget the environment

Have we really listed six points before getting to the environment? Apparently so. Because there’s no combustion to generate power, electric cars don’t emit harmful gases as they drive around. That’s not to say they’re completely eco-friendly at present.

According to the UK Government’s energy brief, just over 40% of electricity is generated by burning fossil fuels. That means that electricity and electric cars still impact the environment to some extent. However, it’s undeniably far less than the impact of petrol and diesel cars. As time goes on, that 40% share will only decrease, making electric cars even better for the environment.

8. Improve your credit score

Some people looking for an electric car on finance worry that their credit score isn’t up to scratch. Over time, that can also affect applications for loans, mortgages and even tenancy agreements. Thankfully, car finance is one of the areas where there’s a bit more leeway.

It’s absolutely possible to find car finance for poor credit. n doing so, as long as you keep up with repayments, you may also improve your credit score over time. That means your electric car on finance could well be the reason you get accepted for tenancies, mortgages or loan applications in the future.

Start your electric car journey today

If you want to make the switch to electric without the big upfront costs, My Car Credit can help. Using our large network of trusted lenders, we aim to find a deal that’s great for all kinds of drivers. Contact us today on enquiries@mycarcredit.co.uk if you have any more questions about getting an electric car on finance.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

Top 6 Best Cars for New Parents in 2023

Is the Hyundai i10 a good car to buy?

Top 9 underrated cars under 10K

Loan amount

£

Repayment term

My credit rating

X monthly repayments of
^£X

Typical rate

Loan amount

Total payable

X% APR*

£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!

or call 01246 458 810

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