What are the best second hand cars to buy?

Financing a second hand car is a great way to get a reliable vehicle without paying the high price of a brand new car. But how do you know which cars are worth your money?

This guide will explain the best second hand cars to buy, where to buy them, and how to get second hand car finance.

Why should you consider buying a second hand car?

Buying a second hand car can be a smart choice for many people. One of the biggest advantages is that used cars are usually much cheaper than new ones, so you can get a reliable car without spending as much. If you don’t have the full amount, you can also get second hand car finance to help spread the cost.

Another benefit is that cars lose value quickly in their first few years. When you buy a second hand car, someone else has already taken that loss, meaning you pay less for the car’s value.

Many second hand cars are still in excellent condition and can last for many years with the right care. You can also read reviews and reliability ratings for older models, which helps you choose a car with a history of being reliable.

However, there are a few things to check before buying a second hand car. Look at the car’s service history to see if it has been well maintained. It’s also a good idea to have a mechanic to inspect the car to check for any hidden problems.

Finally, make sure that replacement parts are easy to find so that repairs don’t become too expensive. Overall, if you do your research and choose carefully, buying a second hand car can be a great way to get a reliable vehicle at a lower cost.

Top picks for the most reliable second hand cars

Choosing a reliable second hand car can save you money on repairs and maintenance. Here are some top-rated options:

Toyota Yaris

• Durable and low maintenance: The Toyota Yaris is known as one of the most reliable second-hand cars because it’s well-built and engineered to last. It often runs smoothly for over 100,000 miles with very few problems. Repairs are also affordable since parts are cheap and easy to find.
• Fuel-efficient: The Yaris is great on fuel, making it perfect for drivers who want to save money on running costs over time.
• Good resale value: The Yaris holds its value better than many other cars, so if you decide to sell it in the future, you’ll likely get a good price.

Volkswagen Golf

• Strong build: The Volkswagen Golf is known for its strong German engineering. It handles well, is comfortable to drive, and is built to last. Even older models perform well and break down less often compared to other cars.
• Good resale value: The Golf keeps its value better than many other cars. This shows its quality and strength. It’s also easy to find parts and mechanics who know how to fix it, which makes repairs simpler and not too expensive.
• Fuel-efficient: The Volkswagen Golf, especially the diesel versions, is known for being fuel-efficient. This makes it a great choice if you want to save money on fuel in the long run.

Toyota Corolla

• Built to last: The Toyota Corolla is known all over the world as one of the most reliable used cars you can buy. Many owners say their Corollas run smoothly for hundreds of thousands of miles with very few problems.
• Low cost to maintain: The Corolla is affordable to maintain, with cheap parts and very few major repairs needed. It’s a great choice if you want a car that doesn’t need much upkeep.
• Fuel-efficient: Like many Toyota cars, the Corolla uses fuel efficiently. This makes it a great option for both city driving and longer trips.

Honda Civic

• Reliable engine: The Honda Civic is known for having engines that last a long time. With regular maintenance, many Civics can run for over 200,000 miles without major issues.
• Versatile options: Whether you want a fun, sporty car or a practical one for daily use, the Civic offers different options to suit your needs. Its strong reputation for reliability makes it a top choice for second hand car buyers.
• Affordable repairs: Since Honda Civics are very popular, parts are easy to find and many mechanics know how to work on them. This makes repairs and maintenance more affordable.

Ford Fiesta

• Affordable and practical: The Ford Fiesta is known for being a dependable and cost-effective car. Its small size and reliable performance make it great for driving in cities.
• Great handling: The Fiesta is fun to drive, even in older models. It handles well on the road, and its low running costs and reliability make it one of the best second-hand cars you can buy.
• Easy to find: The Fiesta has been very popular in the UK for many years, so there are lots of second hand options to choose from. This makes it easier to find one in good condition with a full service history.

Honda CR-V

• Reliable SUV: If you’re looking for a second hand SUV, the Honda CR-V is a great choice for reliability. It has a long-lasting engine and a roomy interior, making it an ideal family car that lasts over time.
• Low maintenance costs and good resale value: Like other Honda cars, the CR-V is affordable to maintain and keeps its value well. This makes it a great option if you’re buying second-hand.
• Versatile: The CR-V has a reliable all-wheel-drive system, so it works well in different driving conditions, from city streets to rougher rural roads.

Mazda MX-5

• Great build quality: The Mazda MX-5, is one of the most reliable sports cars you can buy second-hand. It’s simple and lightweight design makes it fun to drive, and it’s built to last for many years.
• Few mechanical issues: The MX-5 is known for having a strong engine and transmission, with very few reported issues, even in older models. Its low running costs and easy-to-find parts make it popular with both car enthusiasts and everyday drivers.

Hyundai i10

• Small but reliable: The Hyundai i10 is praised for being reliable and practical, especially in cities. It’s small, fuel-efficient, and easy to park, while still being surprisingly comfortable for its size.
• Low maintenance costs: Hyundai has a reputation for making affordable and reliable cars, and the i10 is no different. It doesn’t need many repairs, and when it does, the parts are easy to find and reasonably priced.
• Warranty: Hyundai cars often come with long warranties, and many second-hand i10s still have warranty coverage left, which gives you extra peace of mind when buying.

These cars offer reliability, affordability, and a are great choices for second hand car buyers looking for value.

What to look out for when buying a second hand car

Buying a second hand car save you money, but it's important to make sure you get a reliable vehicle. Here are key things to check:

• Service history: Make sure the car has been regularly maintained.
• Mechanical inspection: Get a trusted mechanic to check for hidden issues.
• MOT and mileage: Confirm the car’s MOT history and compare it with the mileage.
• Condition: Look for signs of wear, rust, or damage.
• Parts availability: Check if replacement parts are easy to find.

Taking these steps can help you avoid surprises and find a dependable car.

Check the car’s service history

One of the most important things to check when buying a second hand car is its’s service history. A full and detailed service record shows that the vehicle has been properly maintained. Look for regular servicing, any major repairs, and ensure the work was done by a reputable garage. This helps confirm the cars condition and avoid future issues.

Inspect the exterior and interior condition

Check the car’s exterior for any damage, such as dents, rust, or uneven paint, as these could indicate past accidents or repairs. Have a good look inside the car, paying attention to the condition of the lights, air conditioning, and any camera or electronic systems. Make sure everything is in good working order, as fixing these can be costly.

Check the mileage

Mileage is a key indicator of how much wear a car has experienced. Generally, lower mileage means less use, but it’s important to compare it to the car’s age. A car with extremely low mileage for its age could mean it hasn’t been driven enough, which can also lead to maintenance issues like battery or tyre problems. Always consider both mileage and age for a clearer picture of the car’s condition.

Look for signs of rust or corrosion

Rust is a common issue in older cars and can be expensive to fix. Check the body, undercarriage, and wheel arches for any rust. Small spots of surface rust may be repairable, but significant rust, especially on the car’s frame or key structural parts, can affect the car’s safety. Be cautious if you find extensive corrosion.

Check the tyres and brakes

Inspect the tyres for wear and tear, and check if the tread depth is still safe for driving. Uneven wear may suggest alignment or suspension issues. During a test drive, test your brakes and listen for any squeaking or grinding noises, which may indicate worn brake pads or discs that need replacing.

Look for warning lights on the dashboard

When you start the car, check for any warning lights on the dashboard. Warning lights related to the engine, oil pressure, or brakes should not be ignored, as they could signal expensive repairs. Make sure these lights turn off after the engine starts, and investigate any that remain on.

Check the car’s MOT status

Always ask to see the latest MOT certificate and check any advisory notes. The advisory section highlights potential future repairs, which can help you estimate upcoming costs and factor them into your buying decision.

Check for outstanding finance or previous accidents

It’s important to verify if the car has any outstanding finance or if it’s been involved in a major accident. You can run an HPI check or a similar vehicle history report to ensure the car isn’t tied to any unpaid finance agreements or listed as a write-off. This will give you peace of mind before making a purchase.

Things to think about before buying a second hand car

When choosing the best second hand car to buy, there are a few important things you should consider:

1. Your budget: It’s important to find a car that not only fits within your price range but also gives you good value for money. Don’t just look at the price tag, think about the long-term costs, like repairs, fuel, and insurance.
2. Your needs: Think about how you’ll use the car. Do you need something for driving around the city, long road trips, or for family use? Make sure the car you choose fits your lifestyle. For example, a small city car might be perfect for short trips, while a larger SUV might be better for family outings or rural driving.
3. Reliability: Always check how reliable the car model is before you buy it. Look for reviews or reports that mention how often the car breaks down and what common issues it might have. A more reliable car will save you money and stress over time.
4. Resale value: Think ahead to when you might want to sell the car. Some cars hold their value better than others, meaning you’ll get more money back if you decide to sell or trade it in later.
5. Fuel efficiency: A fuel-efficient car will save you money on petrol or diesel over time, especially if you drive long distances regularly. Look for models known for good fuel economy to keep running costs low.
6. Insurance costs: Some cars are cheaper to insure than others. Before you buy, check the insurance group for the car you’re interested in. Higher insurance groups generally mean more expensive premiums, so keep that in mind as part of your budget.

If you’re still unsure on how to decide on a car to buy then you can read our guide “Choosing a car: everything you need to know before you buy”.

Where is the best place to buy second hand cars?

Finding the best place to buy a second hand car is just as important as choosing the car itself. Here are some options to consider:

Dealerships

Buying from a dealership is one of the safest ways to purchase a second-hand car. Many offer inspected cars with warranties and finance options, so you can spread the cost over time.

Car supermarkets

Car supermarkets offer a wide range of second hand cars, often at competitive prices. They are similar to dealerships but often have more stock, making it easier to compare multiple makes and models in one location. Many car supermarkets also offer warranties and financing options.

Car buying websites

Car buying websites have become a popular way to buy second hand cars. These sites allow you to browse a wide range of vehicles in one place. Some well-known online car websites include AutoTrader, Cazoo, and CarGurus. These sites have filtering options to help you find the exact make, model within the price range you’re looking for.

Auctions

Car auctions are another option for purchasing second hand vehicles. While prices can sometimes be lower than other places, auctions are better suited for buyers with more experience. It's important to inspect the car thoroughly before bidding, as auction vehicles often don't come with warranties or detailed service histories.

Private sellers

If you have the money to buy a second hand car outright, purchasing from a private seller may get you a better price. You cannot use car finance, such as hire purchase or personal contract purchase, to buy a second hand car privately, but you could use an unsecured personal loan.

Private sales can be more flexible, allowing you to negotiate directly with the seller, which can result in a lower price compared to buying from a dealer.

You may also find a wider variety of cars in your local area, and some private sellers are eager to sell quickly, which could work in your favour. However, this comes with more risks because you’re not covered by the Consumer Rights Act. This means you have less protection compared to buying from a dealer.

When you buy from a dealer, the car must be as described, fit for purpose, and of satisfactory quality. If something goes wrong within the first 30 days, you can usually get a full refund. After that, you may still entitled to repairs or replacements if a fault arises.

With a private seller, you don’t have these protections. The car only needs to match the description given, and the seller isn’t required to tell you about any problems unless asked. To avoid issues, always check the car’s service history, look for any outstanding finance, and consider having it inspected by a reputable mechanic before buying.

Second hand car finance

If you can’t buy a car outright, consider second hand car finance. Many lenders allow you to finance a second hand car, even if it’s a few years old. While most lenders have age limits, some finance cars as old as 10 years. Each lender has different requirements, so it’s important to check with them before applying to finance a second hand car to ensure it’s an option for you.

If you’re unable to secure second hand car finance, other options include taking out a personal loan or saving up to buy the car later.

Apply for finance on a second hand car

We offer second hand car finance through hire purchase, allowing you to pay for your car in monthly instalments. Once all payments are made, you have the option to own the vehicle outright. Our team is here to help you finance a second had car that suits your needs.

To find our more, call our friendly team on the free phone number above, or click through to apply for car finance with us.

Representative example

You could borrow £10,000 over 60 months with an initial payment of £490.66 (including £199 Admin Fee) followed by 58 monthly payments of £291.66 with a final payment of £490.66 (including optional £199 Option to Purchase Fee).

Total amount repayable will be £17,897.60.

29.3% APR, annual interest rate (fixed) 24.7%.

This example uses the representative APR. This is the rate at least 51% of customers are expected to get.

Lending is subject to status and additional affordability checks. Rates quoted are subject to change and will depend on lending amount and personal circumstances.

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