There are a number of factors that affect the cost of a car on finance. With this in mind the cheapest car on finance can change from person to person depending on the car finance type they go for and a number of other factors, such as a credit score, that can change the interest or repayment term and as such make a car more expensive.

Other cars will be cheaper due to their popularity to buy new. Many models, such as the Ford Focus, Ford Fiesta, Volkswagen Polo or Volkswagen Golf, are so popular to buy new that there is often a wide selection of used cars available to buy. This can make them affordable to buy on finance. With this in mind, it’s often worth looking at the more popular models and manufacturers if you’re looking for the cheapest car to buy on car finance.

If you want the cheapest car on finance then it’s also worth keeping an eye on the release schedules of different manufacturers, as a new release may see older versions of that model up for sale as used cars when people upgrade to the newest model.

It’s also worth keeping in mind the type of car finance that you opt for. There may be a number of smaller factors that could affect the price on each. For more information on what this could be, check out our car finance guides.

With extensive experience in car finance though, we can give you an overview of the cars that are currently the cheapest to buy on different types of car finance.

If you need to work out what you can afford, please use our car finance calculator. If you’re ready to get driving your new car then apply for car finance with us today.