The Carmoola car depreciation index, powered by Brego, clearly and colourfully helps make sense of which cars hold their value the best —and those that might have dropped like a stone.
Make and models
Using a benchmark of 36,000 miles / 3 years we found the models and makes that hold their value the best and those that struggled to keep theirs after rolling off the forecourt.
Top 10 cars retaining their value
Bottom 10 cars retaining their value
Hyundai i10
The humble hatchback version of the Hyundai i10 topped our list of cars retaining their value with it losing only 16.6% of its value over this period.
Top 5 makes retaining their value
Bottom 5 makes retaining their value
Porsche perfection
Porsche owners will have another reason to be smug with their cherished German performance brand being a financially prudent choice, retaining 24.1% of their value.
Dismal DS
Sacré Bleu! French newcomers DS are seemingly struggling to build a brand that’s valued as DS cars see their value drop by over half during the first few years of ownership.
Zilch for Zoe
Renault’s trailblazing Zoe that introduced millions to electric car ownership has suffered a shocking decline in value over this period, retaining under a third of its original value.
Fuel type
Are ‘Dirty Diesels’ still as desirable as ever or has modern technology shifted the market towards cars that are cheaper to run and better for the planet?
Depreciation of car value by fuel type
-
Petrol
-
Diesel
-
Electric
-
Plug-in Hybrid
-
Hybrid
Electric shock
Electric vehicles take the podium spot for rapid depreciation, with them losing 31% of their value on average over the first two years. Hybrid vehicles show remarkable resilience and desirability with their value dropping by a mere 14% over the same timeframe.
Car colour
Will choosing a traditional car colour help preserve some of its value or does risking more jazzy finish help it stand out from the crowd?
Depreciation of car value by car colour
- Green
- White
- Silver
- Blue
- Black
- Red
- Brown
- Yellow
- Grey
- Multi
- Purple
- Orange
Back to black
Traditional colours like black, grey, and silver see the steepest drop in value over ten years, with black cars holding only 32% of its original worth by year ten. This trend suggests that these common colours, while popular initially, may not stand out as much in the resale market.
Orange appeal
Vibrant colours like orange, purple, and yellow retain more of their value over the years. By year ten, orange cars hold onto 39% of their initial value, while purple and yellow maintain 38% and 35%, respectively. These vibrant shades seem to add some longevity to resale appeal, making them slower to depreciate.
Body type
Does a family-friendly MPV keep its value better than a more dated saloon or estate car body type?
Depreciation of car value by body type
- Hatchback
- Small SUV / Estate
- Saloon
- Large SUV / 4x4
- Coupe
- Sports
- MPV
Most depreciation
proof car
Orange Hyundai i10
Least depreciation
proof car
Black Renault Zoe
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FAQs about our car finance calculator
Check below for the answers to some of our most frequently asked questions, related to our Hire Purchase car finance calculator. Got more questions? Check out our FAQs page 👍
How does the car finance calculator work?
How does the car finance calculator work?
Our calculator uses a number of variables to work out your result including the amount you’d like to spend on your car, the length of the agreement and the APR applied to the car finance. It uses these figures to help illustrate an example of what monthly repayments on this loan example might be.
How are interest rates calculated?
How are interest rates calculated?
Each lender has specific criteria that looks at your individual financial circumstances and calculates the interest rate based on these details. Car finance rates usually range between 6% and 30% APR. Car loan rates are subject to change
What is a good APR for car finance?
What is a good APR for car finance?
Car finance lenders determine the APR they can offer you, based on your individual credit profile. A good APR for one person, may be a terrible APR for another! To find out what APR you would get, why not answer a few quick questions on Carmoola? We only run a soft credit search when you do this, so there's no impact on your credit score just to find out.
Does paying a deposit make a difference to my monthly payments?
Does paying a deposit make a difference to my monthly payments?
Yes! Here's an example to help you understand how it works. Let's say you're buying a car that costs £10,000. Some lenders such as Carmoola will be able to help you borrow the whole £10,000 if you want to. However, if you decide to add a small deposit, let's say £2,000, then you'd only need to borrow £8,000 to buy the car. Borrowing less, means your monthly payments will be less, and you'll pay less interest overall.
Are interest rates fixed?
Are interest rates fixed?
When you take out a Hire Purchase car finance agreement, your APR is set at the beginning and is fixed throughout the term you choose.