Popular Used Cars to Finance

Finding the right vehicle can be a challenge, especially for those in the UK who opt for financing a used car. The benefits of financing a used vehicle are significant. With lower monthly payments and less depreciation than new cars, it is an appealing choice for many drivers. As we look forward to 2025, here are the top five used cars that offer great value and practicality for finance options.

1. Ford Focus

The Ford Focus has been a favourite among UK drivers for years. Its reputation for reliability and enjoyable driving experience keeps it at the top of the compact car category.

The Focus offers many engine options and trim levels, ensuring there is a fit for everyone's needs. Many drivers appreciate its fuel efficiency, with certain models achieving over 65 miles per gallon. Spacious interiors and modern tech features like the SYNC 3 infotainment system make it an appealing choice for families and daily commuters alike.

A blue Ford Focus parked on a quiet street.

Financing plans for the Ford Focus are diverse, catering to different budgets. With interest rates as low as 4.9% on selected models, it remains a top choice for used car financing in 2025.

2. Volkswagen Golf

The Volkswagen Golf continues to be a leader in the used car market due to its strong build quality and refined interior. This hatchback is consistently popular with buyers looking for reliability.

It features efficient engine options, with some achieving up to 70 miles per gallon. Safety is also a top priority; the Golf comes equipped with advanced technology such as lane assist and adaptive cruise control. This makes it a smart choice for city driving or family trips.

A silver Volkswagen Golf navigating through a picturesque landscape.

With a strong resale value, financing a used Golf is appealing, allowing buyers to spread the cost over time.

3. Vauxhall Astra

The Vauxhall Astra is known for its affordability and practicality, making it a popular choice in the used car market. Its spacious cabin and large boot make it ideal for families and those requiring extra storage.

Comfort is a key feature, with smooth handling that suits various driving conditions. Many Astra models come with modern tech, including touchscreen displays and safety features like automatic emergency braking.

As many buyers look for budget-friendly financing options, the Astra stands out.

4. BMW 3 Series

For those seeking luxury without excessive costs, the BMW 3 Series is an excellent choice. Celebrated for its performance and high-quality interior, this used vehicle allows buyers to access premium features at a more reasonable price.

The 3 Series delivers a thrilling driving experience thanks to its dynamic handling and powerful engine variants. Buyers find high-quality materials in the interior, alongside the latest technology that provides comfort and convenience.

A black BMW 3 Series parked in a city environment, showcasing its elegant design.

While there may be preconceived notions about high running costs, many used models are now available at more accessible prices.

5. Nissan Qashqai

The Nissan Qashqai has gained popularity as one of the leading compact SUVs in the UK. Its combination of style and practicality appeals to many drivers looking for extra space.

With various safety and tech features, including lane departure warning and a rear-view camera, it ensures a safe ride for families. Its comfortable ride and sufficient power make it suitable for both city commutes and longer journeys.

Insights on Used Car Financing

As the car landscape shifts, the UK used car market remains a strong choice for buyers. In 2025, models such as the Ford Focus, Volkswagen Golf, Vauxhall Astra, BMW 3 Series, and Nissan Qashqai continue to provide value, reliability, and comfort to a wide range of customers.

Financing a used car is a smart financial decision that allows drivers to enjoy lower payments while ensuring a solid investment in their vehicle. Each of these top models brings unique benefits, catering to diverse needs and budgets.

By choosing from these popular options, buyers can align their priorities—whether it be practicality, luxury, or performance—finding a reliable vehicle that fits their lifestyle.