Over 90% of cars sold in the UK are being bought on finance. It’s an attractive way to get yourself a high-quality vehicle because it’s affordable in the short term. Spreading the cost of a car over a period of years is much more manageable than dropping a large lump-sum in one go.  Finance gives hundreds of people much needed access to a car and it can be incredibly transformative to their lives.

most popular cars to get on finance

A lot of the growth in the popularity of car finance is down to the used car market and, with such a huge choice of fantastic used cars to choose from, it’s not surprising. This great choice can sometimes be overwhelming. To make things a little bit simpler, we’ve highlighted five of the most popular cars to get on finance in the UK. Each one includes a sample finance offer to give you a basic idea of the potential costs involved. Even if you have a poor credit history, there are companies that can help you get deals similar to those shown below.

Ford Fiesta

Around £273 per month

The Ford Fiesta is not only the UK’s most popular car, it’s the UK’s most popular car to get on finance. There are many good reasons for this, from its streamlined and sporty look, to its reliability and practicality. Ford have made it a favourite for over 10 years by making constant improvements and offering an unrivalled choice of variants, from the Fiesta Trend and the Fiesta Vignale to the high-performance Fiesta ST. This is a small family hatchback that’s exciting to drive and affordable to run. It provides 292 litres of boot space in the latest models and achieves between 47 and 74 miles to the gallon.

Finance example:

Cash price:                                                   £7,499

Deposit:                                                        £0

Amount of credit:                                           £7,499

Rate of interest:                                            10.5% per annum

Amount of interest:                                        £2,362.19

Lender Documentation fee:                             £50.00

Lenders option to purchase fee:                      £50.00

Total charge for credit:                                  £2,462.19

First repayment:                                            £323.92

Followed by 34 Monthly repayments of:           £273.92

Final repayment:                                           £323.92

Total amount payable:                                   £9,961.19

Representative APR:                                     21.3%

Ford Focus

Around £120 per month

The US carmaker sells a huge number of vehicles in the UK and the Focus is a bigger brother to the best-selling Ford Fiesta. Buying used gives you a massive choice of vehicle types and versions, from the Focus Zetec and Focus ST to the Focus Vignale. If you need a bit more room, opt for the larger Ford Mondeo, but the Focus is a fantastic middle-sized car for most individuals and small families. The newest version comes with a 375-litre boot and manages between 46 and 81 miles per gallon.

Cash price:                                                   £3,299

Deposit:                                                        £0

Amount of credit:                                          £3,299

Rate of interest:                                            10.5% per annum

Amount of interest:                                        £1,039.19

Lender Documentation fee:                             £50.00

Lenders option to purchase fee:                      £50.00

Total charge for credit:                                  £1,139.19

First repayment:                                           £170.51

Followed by 34 Monthly repayments of:          £120.51

Final repayment:                                           £170.51

Total amount payable:                                   £4,438.18

Representative APR:                                     22.5%

Vauxhall Corsa

Around £349 per month

The Corsa is Vauxhall’s (known as Opel in Europe) best-selling car in the UK. It’s a supermini that comes in a choice of petrol and diesel engines and even has an electric version with 209 miles of range – the Corsa-e. Although a competitor to Britain’s most popular car, the Ford Fiesta, the Corsa is more than a worthy challenger. Looking for a used Corsa is incredibly easy – there are plenty on the market and whichever year you choose will likely be a winner, from the 2015 1.6 litre turbo VXR hot hatch to the later Corsa GSI.

Cash price:                                                £6,499

Deposit:                                                     £0

Amount of credit:                                        £6,499

Rate of interest:                                          14.5% per annum

Amount of interest:                                      £1,884.71

Lender Documentation fee:                           £50.00

Lenders option to purchase fee:                   £50.00

Total charge for credit:                                £1,984.71

First repayment:                                         £399.32

Followed by 22 Monthly repayments of:        £349.32

Final repayment:                                         £399.32

Total amount payable:                                £8,483.71

Representative APR:                                    30.7%

Nissan Qashqai

Around £230 per month

The Nissan Qashqai is a compact crossover SUV that came out in 2006.  It’s a similar size to a standard family hatchback but has the advantage of sitting higher on the road to provide added visibility of the view ahead. The Qashqai is ideal for the average family, providing plenty of interior space and storage. It’s one of the more comfortable SUVs to drive and offers unique and stylish looks, as well as the performance and reliability you’d expect from Nissan. Competitors include the Peugeot 3008, the Kia Sportage (also on our list), the Seat Ateca and the Skoda Karoq. It has 400 to 430 litres of boot space when the seats are up and a generous 1,569 to 1,598 litres when they’re folded down.

Cash price:                                                £7,499

Deposit:                                                     £0

Amount of credit:                                       £7,499

Rate of interest:                                         3.5% per annum

Amount of interest:                                    £787.40

Lender Documentation fee:                          £50.00

Lenders option to purchase fee:                   £50.00

Total charge for credit:                               £887.40

First repayment:                                        £280.18

Followed by 34 Monthly repayments of:       £230.18

Final repayment:                                       £280.18

Total amount payable:                                £8,386.40

Representative APR:                                   7.7%

Kia Sportage

Around £195 per month

Like its rival, the Nissan Qashqai, the Kia Sportage is a family SUV. The Sportage is nimbler than its size suggests, offering a speedy yet relaxed drive. It’s available in a range of petrol and diesel engines, and there’s also a 4×4 version. Its interior design has been described as dull by some, but others will appreciate it’s no nonsense style and focus on how well it drives. It has a smaller boot than some of the competitors we listed, but it should be more than enough for normal use. If you want something similar from another brand, look into the Hyundai Tucson, the Nissan Qashqai or the Skoda Karoq.

Cash price:                                               £9,999

Deposit:                                                    £0

Amount of credit:                                       £9,999

Rate of interest:                                         3.5% per annum

Amount of interest:                                    £1,749.82

Lender Documentation fee:                         £50.00

Lenders option to purchase fee:                   £50.00

Total charge for credit:                               £1,849.82

First repayment:                                          £245.81

Followed by 58 Monthly repayments of:        £195.81

Final repayment:                                         £245.81

Total amount payable:                                £11,848.83

Representative APR:                                    7.1%

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