Top 7 Best Cars to Finance in the UK Right Now, Smart Choices for Every Budget

29 Jul 2025

Top 7 Best Cars to Finance in the UK Right Now, Smart Choices for Every Budget

Looking to get a new car but want to make the smartest finance decision? Choosing the right vehicle to finance can save you money, stress, and time in the long run. Whether you're a first-time buyer or upgrading your ride, understanding which cars offer the best value when financed is key.

In this guide, we’ll walk you through the top 7 best cars to finance in the UK right now, balancing affordability, reliability, and popularity. Plus, we’ll share tips on how to find the best car finance deals tailored to your needs.

What Makes a Car a Great Candidate for Finance?
When considering a car finance deal, not every vehicle is created equal. Here’s what to look for:

Affordability and Depreciation: Cars that hold their value longer mean better finance terms and lower costs overall.

Fuel Efficiency: Lower running costs make monthly payments easier to manage.

Reliability and Resale Value: Popular and reliable cars are easier to insure and sell later.

Insurance Group Ratings: Cars in lower insurance groups reduce your overall expenses.

Finance Availability: Some makes and models are more frequently included in finance offers and broker deals.

The Best Cars to Finance in the UK Right Now
Ford Fiesta
A perennial favourite, the Ford Fiesta is known for its reliability, affordability, and fun driving experience. Its widespread availability means competitive finance deals and affordable parts.

Volkswagen Golf
A step up in size and luxury, the Golf is popular for its solid build quality and strong resale value. It’s a great choice if you want a balance between style and practicality.

Toyota Yaris Hybrid
For those interested in greener options, the Yaris Hybrid offers excellent fuel economy and low emissions. Hybrids are increasingly popular, often supported by attractive finance deals.

Nissan Qashqai
The UK’s best-selling SUV, the Qashqai offers space, safety, and style. It’s perfect for families and those who want the SUV look without huge running costs.

Kia Sportage
Known for its excellent warranty and reliability, the Kia Sportage is a smart choice in the compact SUV segment. Competitive finance deals and low maintenance costs make it an attractive option.

Renault Clio
A stylish hatchback with affordable running costs, the Clio appeals especially to city drivers and younger buyers. Lower insurance groups make it an economical choice for finance.

Hyundai i10
Ideal for new drivers or anyone looking for a budget friendly car, the Hyundai i10 is compact, reliable, and easy to run. It’s a great starter car with plenty of finance options.

How to Find the Best Finance Deals on These Cars
Finding a great car is just the first step, securing a competitive finance deal is what really counts. Here’s how to make sure you get the best:

Compare APRs and Loan Terms: Look beyond the monthly payment and check the total cost of finance over the term.

Use a Car Finance Broker: Brokers like Autodosh can access a wide range of lenders and deals, helping you find the best terms even if you have credit challenges.

Improve Your Approval Chances: A good credit score helps, but brokers can also assist if you have a poor credit history.

Speed and Convenience: Applying through Autodosh is fast and straightforward, with expert support every step of the way.

Choosing the right car to finance can make all the difference, both for your wallet and your driving enjoyment. The models listed here are among the best in the UK for affordability, reliability, and popular finance deals.

Ready to find your perfect car finance deal? Don’t wait, get your free personalised car finance quote today with Autodosh and drive away in the car you deserve.

Get Your Free Car Finance Quote Now Click Here

Sources
What Car? — Best-Selling Cars UK 2024: https://www.whatcar.com/news/best-selling-cars-uk-2024/n27203

Auto Trader UK — Most Popular Cars for Finance: https://www.autotrader.co.uk/content/news/most-popular-cars-finance-uk

MoneySuperMarket — How to Find the Best Car Finance Deals: https://www.moneysupermarket.com/car-insurance/guides/car-finance-deals/

Confused.com — Top Cars for Low Insurance Groups: https://www.confused.com/car-insurance/guides/lowest-car-insurance-groups

Kelley Blue Book UK — Car Depreciation & Value Retention: https://www.kbb.co.uk/advice/best-cars-for-resale-value/

Toyota UK — Yaris Hybrid Fuel Economy: https://www.toyota.co.uk/new-cars/yaris-hybrid

Editorial Disclaimer: Opinions expressed here are the author’s alone, and not those of any bank, credit card issuer or any other company. This article has not been reviewed, approved or otherwise endorsed by any of these organisations. NB: The information on this page does not constitute financial advice, please do your own research to ensure that the product / service is right for your individual circumstances.