Best Cars to Buy on Hire Purchase

So, you’ve decided to finance a car with Hire Purchase. That’s great! You’re just a few steps away from driving that dream car.  😍

If you’re still shopping for cars to buy with hire purchase, we’ll help you out! Here’s a shortlist of the best cars you can buy with HP car finance.

Audi A3: Classy Look, Updated Features

One of the best Hire Purchase cars you can definitely consider is the Audi A3. You can choose a petrol or diesel-fuelled model or even a plug-in hybrid.

For petrol and diesel, you can be sure that the A3 is a fuel-efficient car that you can use to take your family on long road trips across the UK.

If you're looking for a greener option, the plug-in hybrid-powered model is also known for its cutting-edge technology and efficiency.

Here are some of the best features that make the Audi A3 a great car to buy:

Premium Interior

The Audi A3 features a high-quality interior with top-notch materials, meticulous craftsmanship, and attention to detail.

The cabin includes leather upholstery, aluminium or wood trim, and soft-touch surfaces, creating an upscale and luxurious feel.

Advanced Infotainment

Audi's MMI infotainment system is a standout feature in the A3. It includes a touchscreen display, a rotary controller, features like Apple CarPlay and Android Auto compatibility, navigation, and a premium sound system.

Virtual Cockpit

A3 models come equipped with Audi's Virtual Cockpit, which replaces traditional analogue gauges with a customisable high-resolution digital display. It allows you to view navigation, audio, and other information directly in your line of sight.

Quattro All-Wheel Drive

Audi's legendary Quattro all-wheel-drive system is also available, providing enhanced traction and stability, especially in adverse weather conditions.

Engaging Performance

The A3 offers a range of powertrains, including turbocharged four-cylinder engines and sporty S and RS variants with high-performance engines.

Audi's commitment to a balanced chassis and responsive steering translates to an engaging driving experience.

Overall, the Audi A3 has that classy look, but it's packed with advanced tech and features that will make your time on the road comfortable and fun.

For buyers looking for a good family hatchback, this one is among the top cars on the list. 

BMW 1 Series: Elegant, Efficient, Practical

Another hatchback that offers efficiency, performance and elegance is the BMW 1 Series. Its dynamic appeal comes from the switch to front-wheel drive, making it even easier to manoeuvre.

With all the perks you can get from driving a BMW, you'd think buying one would break the bank. However, this car is one of the most practical vehicles you can get on Hire Purchase car finance.

Here are some of the best features of the BMW 1 Series:

BMW Driving Dynamics

The 1 Series is known for its engaging and sporty driving experience. BMW's engineering expertise ensures precise handling, responsive steering, and a well-balanced chassis, making it enjoyable to drive.

Wide Range of Engines

The 1 Series offers a variety of engine options, including fuel-efficient diesel and petrol engines, as well as high-performance M models. 

xDrive All-Wheel Drive

BMW's xDrive all-wheel-drive system is also available, providing enhanced traction and stability, especially in challenging road conditions.

Luxurious Interior

The 1 Series features a well-appointed interior with high-quality materials, including premium leather upholstery, wood or aluminium trim, and comfortable seating. The attention to detail and craftsmanship contribute to an upscale feel.

iDrive Infotainment System

BMW's iDrive infotainment system is known for its intuitive interface and user-friendly operation. It includes a large touchscreen display, a rotary controller, Apple CarPlay, Android Auto compatibility, navigation, and voice control.

The BMW 1 Series is a modern car with all the high-quality components and technology that you'd ever want in a car. It even has a full five-star Euro NCAP rating for its reliability and safety. 

Volkswagen Tiguan: A Cost-effective SUV

Volkswagen is known for making reliable and practical cars.  The Volkswagen Tiguan is a functional car with the latest onboard technology and features.

This model has a huge boot and more passenger space than similar models. The Tiguan is a well-built, capable cruiser that's cost-effective to run.

Here are some of the best features you can expect from the Volkswagen Tiguan:

Spacious Interior

The Tiguan offers a spacious and well-designed interior with ample headroom and legroom for both front and rear passengers. It's known for its comfortable seating and high-quality materials.

Versatile Cargo Space

The Tiguan's rear seats are adjustable and fold flat, allowing for flexible cargo space. Some models may even offer a third-row seating option for additional passenger capacity.

Driver Assistance Features

Many Tiguan models have advanced driver assistance features such as adaptive cruise control, lane-keeping assist, blind-spot monitoring, rear cross-traffic alert, and automatic emergency braking, enhancing safety and convenience.

Panoramic Sunroof

Some Tiguan trims offer a panoramic sunroof, providing an open and airy feel to the cabin and allowing passengers to enjoy natural light.

Turbocharged Engine

The Tiguan features a turbocharged four-cylinder engine, which provides a balance of power and efficiency. It delivers responsive performance, especially when equipped with the optional 2.0-litre turbocharged engine.

If you want an even more budget-friendly vehicle, go for the eHybrid version of the Tiguan. Driving a hybrid is a great way to reduce your car expenses while also doing your part in keeping your carbon footprint minimal.

A hybrid or electric car is not only becoming the more practical choice among drivers, but more car owners now prefer less-polluting vehicles. 🍃

Skoda Octavia: Luxurious Yet Affordable

Skoda Octavia comes in petrol and diesel-fuelled models, as well as hybrid versions. You can choose to stick to a conventional car or go for a more environmentally friendly vehicle.

The Octavia is a great family car and is a practical choice if you're looking for a vehicle with a superior exterior design, advanced onboard tech, generous boot space, and smart, practical touches.

Here are the best features we love about the Skoda Octavia:

Variety of Engines

Skoda offers a range of engine options for the Octavia, including fuel-efficient petrol and diesel engines, as well as hybrid powertrains, allowing you to choose the one that suits your preferences and needs.

Comfortable Seating

The Octavia provides comfortable and supportive seats for both the driver and passengers, with options for power-adjustable and heated seats.

Off-Road Capabilities

Some Octavia models, especially the Octavia Scout variant, are equipped for light off-road driving and are suitable for adventure-seeking drivers.

Practical Features

The Octavia may include practical features such as an automatic tailgate, integrated sunshades for rear windows, and rear-seat controls for the infotainment system.

European Styling

The Octavia boasts clean and modern European styling, giving it a sophisticated appearance.

Driving the Skoda Octavia feels like you're in a luxury vehicle but without having to burn through your savings to afford a hefty price tag. Also, financing your Skoda Octavia will make it all the more budget-friendly. 

Peugeot 308: Style, Space, Strength

Now, if you're looking for a beautiful car, the Peugeot 308 is among the most elegant ones out there.

It's a five-door hatchback that has petrol or diesel models that offer good fuel economy. The plug-in hybrid version is also available if you're looking to switch to a green car.

Here are the best features the Peugeot 308 has to offer:

Elegant Design

The Peugeot 308 is known for its sleek and elegant design, featuring a distinctive front grille, stylish LED lighting, and a well-proportioned exterior.

i-Cockpit

Peugeot's i-Cockpit design philosophy includes a compact steering wheel, a customisable digital instrument cluster, and a high-placed touchscreen, creating a modern and driver-focused interior.

Efficient Engines

The 308 offers a range of efficient engines, including petrol, diesel, and hybrid options. These Peugeot engines provide a balance between performance and fuel economy.

Hybrid Powertrains

Some Peugeot 308 models offer hybrid powertrains for improved fuel efficiency and reduced emissions, making them more environmentally friendly.

Spacious Interior

Despite its compact size, the 308 provides a spacious and comfortable interior for both front and rear passengers, with ample headroom and legroom.

Among the hatchbacks in the market today, you can set yourself apart by choosing the 308 because of its eye-catching looks and reliable performance.

How to Get the Best Hire Purchase Car Deals

So, now that you have a shortlist of the best cars you can finance with Hire Purchase, how do you get the best car finance deals?

Let’s start with the preparations you can do so you’ll have the best chance of being offered great car finance rates!

Check Your Credit Score First

Firstly, you can check your credit score to see whether you have a good rating or if the figure can still be improved.

If you think your score needs a boost, you might want to take some time to work on improving it before you apply for car finance.

Why does my credit score matter?

As you know, your credit score is one of the major factors that lenders consider when they’re calculating the Annual Percentage Rate that they’ll offer you.

In general, the higher your score, the lower the interest rate that the car finance company would be willing to offer. 

Find the Best Car Finance Deal

If your score is excellent, then you can move to the next step of getting the best Hire Purchase deal, and that is to allocate enough time shopping for the best car finance companies.

Nowadays, you only have to do a quick search online to see the different lenders offering the lowest annual percentage rates in the UK.

Be Mindful of the APR

Always check the APR and not just the interest rate. The APR includes other fees and charges, so that figure will be able to give you a better idea of how much financing a car will cost. 

Financing a Car is Easy with Carmoola

If you’re ready to apply for car finance, simply download Carmoola on your smartphone to start the process. You’ll only need your driving licence to verify your identity.

The whole application process won’t be longer than three minutes. And once you’re done, you’ll know the result almost instantly!

If your application has been approved, you’ll also know how much you can borrow and the APR applied to the car finance agreement.

The next step is to shop for the car you want and buy it with your virtual Carmoola card. It's accepted at all online car marketplaces and most reputable dealerships.

It’s as easy as that! 👍🚘