What are the best second hand cars to buy?

Used cars are usually much cheaper than new ones, which means you can find a reliable model without paying a premium. If you want to spread the cost, second hand car finance gives you more flexibility. Another big advantage is that used cars have already taken most of their depreciation hit, so they hold their value better.

Used cars also let you choose from a wide range of makes and models. Many are still in excellent condition and, with the right maintenance, can last for years. You can also check reviews and reliability ratings for specific models to see how they’ve performed over time.

Before buying, check the service history, inspect the car thoroughly, and make sure parts are affordable and easy to find. This can help you avoid expensive repairs later.

Buying a used car can save you money, but it’s important to check the vehicle carefully before committing. A few simple checks can help you avoid unexpected problems later and make sure you’re getting good value for your money.

Before buying, make sure to:

• Review the car’s service history
• Get an inspection from a trusted mechanic
• Check the MOT history and mileage
• Look for rust, tyre wear, or warning lights
• Run a vehicle history check to make sure there’s no outstanding finance

Doing this helps protect you from hidden issues and gives you more confidence in your purchase.

Choosing the right second hand car is about more than just picking one that looks good or fits your budget. A bit of planning can help you find a vehicle that suits your needs, is affordable to run, and won’t cause problems down the line. Whether you’re buying outright or using car finance, the right choice now can save you money and stress later.

When deciding on a used car, think about:

• Budget: Don’t forget long-term costs like insurance, fuel, and maintenance.
• Usage: Pick a car that fits your lifestyle: small for city use, larger for families.
• Reliability: Research models that are known for long-term dependability.
• Resale value: Some cars hold their value better than others.
• Fuel economy: Choose a car that keeps running costs low.
• Insurance group: Lower insurance groups mean cheaper premiums.

Taking the time to think about these factors will help you choose a car that fits your lifestyle and finances.

There are several places to buy a second hand car, and each has its pros and cons depending on your budget, experience, and how much protection or support you want during the buying process.

You can buy from:

• Dealerships: Offer warranties, part-exchange options, and car finance. You’ll have more legal protection under the Consumer Rights Act, which means the car must be as described and fit for purpose.
• Car supermarkets: These large dealerships have a wide range of stock, often with competitive pricing and flexible finance options. It’s a good place to compare multiple makes and models in one visit.
• Car buying websites: Platforms like AutoTrader, Cazoo, and CarGurus let you browse cars across the UK, apply filters by price, mileage, or model, and often include buyer reviews and vehicle checks.
• Auctions: Suitable for experienced buyers looking for a bargain, but they carry more risk. Cars are usually sold as seen, and test drives or warranties are often not available.
• Private sellers: Often cheaper than dealerships, but you won’t have access to finance or the same legal protections. You’ll need to be confident in checking the car’s condition and history yourself.

No matter where you buy from, it’s important to carry out thorough checks, including the car’s service and MOT history and consider getting a trusted mechanic to inspect the vehicle before committing.

Yes, you can finance a second hand car, and it’s a common option for many buyers who want a reliable vehicle without paying the full amount upfront. Used car finance helps you spread the cost into manageable monthly payments, making car ownership more affordable and flexible.

Hire purchase and personal contract purchase are the most popular finance types for second hand cars. HP allows you to pay off the full value of the car over time and own it at the end. PCP offers lower monthly payments with a larger final balloon payment if you want to keep the car after the agreement ends.

Many lenders are happy to finance used cars, even ones that are up to 10 years old, though age and mileage limits can vary between providers. You may also need to meet credit and affordability criteria.

If you’re thinking about financing a used car, it’s a good idea to check the lender’s age and mileage rules before applying. You should also make sure the monthly repayments fit comfortably within your budget.

AutoMoney Motor Finance offers hire purchase agreements on second hand cars. With HP, you spread the cost over fixed monthly instalments, and once the final payment is made, the car is yours to own.

Applying is simple. You can start your application online at any time, or give our friendly team a call to talk through your options. We’ll guide you through each step, check affordability, and help you find second hand car finance that matches your budget and personal circumstances.

Even if you’ve been refused elsewhere or have a poor credit history, we may still be able to help.