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Top 5 Most Financed Cars in the UK
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Top 5 Most Financed Cars in the UK

March 5, 2025
Marcus Thompson

Which vehicles are UK buyers choosing when it comes to car finance? We reveal the most popular models and why they're winning drivers' hearts.

The UK's Most Popular Financed Cars

Based on 2024-2025 data, here are the vehicles that UK drivers are choosing to finance, and why they're so popular.

1. Ford Fiesta

Why it's popular:

  • Affordable monthly payments (typically £200-£300)
  • Excellent fuel economy
  • Low insurance costs
  • Reliable and practical
  • Great resale value

    • Typical Finance Deal:

  • Deposit: £1,500
  • Monthly: £245
  • Term: 48 months
  • APR: 8.9%

    • 2. Volkswagen Golf

    Why it's popular:

  • Premium feel without premium price
  • Versatile hatchback design
  • Strong build quality
  • Good technology features
  • Wide range of engine options

    • Typical Finance Deal:

  • Deposit: £2,500
  • Monthly: £320
  • Term: 48 months
  • APR: 7.9%

    • 3. Nissan Qashqai

    Why it's popular:

  • SUV practicality
  • Elevated driving position
  • Family-friendly space
  • Modern safety features
  • Comfortable ride

    • Typical Finance Deal:

  • Deposit: £3,000
  • Monthly: £385
  • Term: 48 months
  • APR: 8.4%

    • 4. Vauxhall Corsa

    Why it's popular:

  • Budget-friendly option
  • Available in electric version
  • Compact and easy to park
  • Low running costs
  • Good warranty

    • Typical Finance Deal:

  • Deposit: £1,200
  • Monthly: £220
  • Term: 48 months
  • APR: 9.9%

    • 5. BMW 3 Series

    Why it's popular:

  • Premium badge appeal
  • Excellent driving dynamics
  • Strong residual values
  • Available with attractive PCP deals
  • Business car tax benefits

    • Typical Finance Deal:

  • Deposit: £5,000
  • Monthly: £450
  • Term: 48 months
  • APR: 6.9%

    • What Makes a Car Finance-Friendly?

  • **Affordable Deposit Requirements**: Lower entry costs
  • **Strong Residual Values**: Better PCP balloon payments
  • **Reliability**: Lower maintenance costs mean predictable monthly expenses
  • **Insurance Group**: Lower groups mean lower overall running costs
  • **Fuel Economy**: Better MPG makes monthly budgeting easier

    • Choosing Your Perfect Car

    Consider:

  • Your monthly budget (including insurance and fuel)
  • Your annual mileage
  • Your lifestyle needs (family, commuting, hobbies)
  • Running costs and maintenance
  • Resale value if you plan to sell later

    • At WHOOSH! Finance, we can help you finance any approved used car. Whether you want a practical Fiesta or a premium BMW, we'll find you the best deal.

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    Representative example: Borrowing £23,000 over 60 months at a representative APR of 10.9%, an annual interest rate of 10.87% (fixed) and a deposit of £0.00, you would make 60 monthly payments of £493.16. Total amount payable: £29,589.60. Total cost of credit: £6,589.60. This is an example only; all finance is subject to status. Lender fees may apply.

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