Introduction
As we move further into 2025, many drivers across the UK are considering their next car- and for a growing number, financing remains one of the most accessible and flexible ways to get behind the wheel. With a wide range of models available, from compact city cars to fully electric vehicles and family-friendly SUVs, there’s no shortage of choice for those looking to spread the cost of their next vehicle.
Whether you’re upgrading your current car, switching to something more efficient, or simply looking for a change, it’s important to know which options offer the best value, reliability, and features for your monthly budget. In this handy guide, we’ve highlighted some of the top cars to finance in the UK for 2025, taking into account practicality, affordability, and what’s proving popular with British drivers this year.
Best Electric Cars to Finance 2025
Electric vehicles continue to gain momentum in the UK, with more drivers making the switch thanks to advancements in battery technology, expanding charging infrastructure, and an increasing range of models to suit different needs and budgets. As range anxiety becomes less of a concern and running costs remain attractively low, EVs are becoming an increasingly practical and appealing option for everyday driving.
Below, we’ve highlighted two standout electric vehicles that are worth considering if you’re planning to finance an EV in 2025:
1. Tesla Model 3
The Tesla Model 3 remains one of the most popular electric cars on UK roads, and for good reason. With its minimalist design, advanced onboard tech, and strong performance credentials, it continues to set the benchmark in the mid-range EV market. As of 2025, the latest updates have improved overall efficiency and interior quality, making it an even stronger contender.
Its long electric range, rapid acceleration, and access to Tesla’s Supercharger network make it especially appealing for those who drive frequently or cover long distances. While it sits at the higher end of the market in terms of monthly payments, many consider it well worth the investment for the technology and driving experience it offers.
2. Nissan Leaf
The Nissan Leaf has long been one of the most accessible ways into electric motoring, and it continues to hold its place as a practical, reliable option in 2025. With recent updates to its infotainment and driver assistance systems, along with steady improvements in battery performance, the Leaf remains a solid choice for drivers prioritising affordability and ease of use.
It offers a comfortable drive, a decent range for everyday journeys, and low running costs- making it particularly appealing for city drivers or those looking for a second car. Competitive finance deals, including no deposit offers, and a strong reputation for reliability further cement its status as one of the most sensible EV options on the market today.
Best SUVs to Finance 2025
SUVs continue to be a top choice for UK drivers, thanks to their elevated driving position, spacious interiors, and strong road presence. Whether you’re after practicality for family life, comfort for long journeys, or something with a bit of off-road capability, the SUV market in 2025 offers plenty of well-rounded options. With new models arriving and existing favourites receiving updates, it’s a great time to consider financing an SUV that meets both your lifestyle needs and budget.
Below are two stylish yet reliable SUVs that offer excellent value and appeal in today’s competitive market.
1. Range Rover Evoque
The Range Rover Evoque remains one of the most desirable compact luxury SUVs available in 2025. Known for its distinctive design and premium interior, it continues to deliver a refined driving experience both in urban environments and on more rugged terrain. Recent updates have further enhanced its cabin technology and efficiency, making it more appealing than ever.
While it’s positioned at the premium end of the market, competitive finance packages make the Evoque more accessible to those looking for a high-quality SUV with strong brand appeal. It’s an ideal choice for drivers who want comfort, capability, and style in equal measure.
2. Mazda CX-5
The Mazda CX-5 continues to impress in 2025 as a well-rounded, mid-sized SUV that offers excellent value. It combines a high level of interior quality with responsive driving dynamics, making it feel more premium than its price tag might suggest. Mazda’s focus on driver engagement and solid build quality gives the CX-5 an edge in a crowded segment.
With updated safety features and improved fuel efficiency, the CX-5 remains a practical choice for families, commuters, and anyone after a reliable all-rounder. It’s also well-supported by affordable finance deals, making it one of the smartest options for those looking to balance cost, comfort, and performance.
Best Hatchbacks to Finance 2025
Hatchbacks remain a popular choice for UK drivers in 2025, offering the ideal mix of practicality, efficiency, and ease of use, especially in cities and urban settings. Their compact dimensions make them perfect for city driving and tight parking spaces, while still offering enough space and comfort for longer journeys. With ongoing improvements in fuel efficiency, onboard tech, and safety features, today’s hatchbacks are more capable than ever.
If you’re looking to finance a car that’s affordable to run, easy to drive, and versatile enough for everyday life, here are two standout hatchbacks worth considering this year.
1. Volkswagen Golf
The Volkswagen Golf continues to be one of the most well-rounded hatchbacks on the market. In 2025, it remains a benchmark for quality and refinement in the compact car segment. Known for its solid build, comfortable interior, and composed handling, the Golf suits a wide range of drivers: from commuters to small families.
Recent model updates have introduced improved driver assistance systems, a more intuitive infotainment setup, and greater efficiency, making it even more appealing. While it may not be the cheapest option in its class, the Golf holds its value really well and offers a premium feel that’s often reserved for more expensive vehicles- making it a smart choice for those financing.
2. Ford Fiesta
Although Ford has sadly announced the end of Fiesta production, this iconic hatchback remains a popular option on the used and nearly-new market in 2025—particularly for those looking for affordable finance deals. Its sharp handling, compact size, and user-friendly features continue to make it a favourite among city drivers and first-time car buyers.
The Fiesta’s well-balanced performance and engaging drive set it apart from many rivals, and with a strong availability of approved used models, it’s still very much worth considering. For budget-conscious drivers who don’t want to compromise on driving enjoyment or everyday practicality, the Fiesta remains a reliable and financially savvy option.
Best Hybrids to Finance 2025
As the shift towards greener motoring continues, hybrid vehicles have firmly established themselves as a practical and efficient choice for UK drivers. In 2025, hybrids offer the ideal middle ground between traditional petrol engines and fully electric cars: providing lower emissions, more manageable fuel costs, and the convenience of not relying solely on charging infrastructure. For many, they represent a smart and sustainable step forward.
If you’re considering a hybrid for your next vehicle, again we’ve selected two standout models that offer excellent value, performance, and reliability on finance this year.
1. Toyota Prius
The Toyota Prius remains one of the most recognisable names in the hybrid market—and for good reason. As one of the original pioneers of hybrid technology, the Prius has continued to evolve, and the latest generation brings sharper styling, improved driving dynamics, and even greater efficiency.
In 2025, it’s still a top pick for those prioritising low running costs and long-term reliability. With its impressive real-world fuel economy and a strong reputation for durability, the Prius remains a smart and eco-conscious choice for drivers looking to reduce their environmental impact without sacrificing practicality or comfort.
2. Hyundai Ioniq
Although Hyundai has expanded its Ioniq nameplate into a full electric sub-brand, the original Ioniq Hybrid continues to hold its place as a well-rounded and efficient option, particularly in the nearly-new and used markets. Its sleek design, smooth hybrid system, and well-equipped interior make it a strong contender in 2025 for those seeking an affordable, low-emission vehicle.
The Ioniq Hybrid is especially appealing for drivers who want the benefits of hybrid technology without a steep learning curve or high price point. With competitive finance plans and a track record for reliability, it remains a practical and forward-thinking choice for everyday driving.
Best Luxury Cars to Finance 2025
For those who value comfort, craftsmanship, and cutting-edge technology, luxury cars continue to offer a driving experience that goes well beyond the everyday. In 2025, the appeal of financing a luxury vehicle is stronger than ever, with flexible finance options making premium models more accessible than ever before. Whether it’s the smooth ride, high-end interiors or refined performance, luxury cars provide a level of quality and attention to detail that sets them apart from your usual run-around.
If you’re considering upgrading to something more refined this year, here are two standout luxury saloons well worth considering on finance in 2025.
1. BMW 5 Series
The BMW 5 Series remains the pinnacle in the executive saloon segment, offering a great balance between dynamic performance and premium comfort. The latest generation, updated for 2025, features a more streamlined design, a fully digital cockpit, and the option of mild-hybrid and plug-in hybrid powertrains—making it both future-ready and efficient.
Inside, the cabin is exceptionally well-appointed, with high-quality materials and a driver-focused layout that blends luxury with practicality. Whether you’re after a smooth motorway cruiser or a car that delivers real engagement behind the wheel, the 5 Series continues to deliver on all fronts. It’s a brilliant choice for professionals and petrol-heads alike, especially when financed through competitive monthly plans (which can be calculated here).
2. Mercedes-Benz E-Class
Another great option, the Mercedes-Benz E-Class continues to define understated elegance and advanced engineering in 2025. With a full model refresh introduced last year, the latest E-Class offers a more refined design, an intuitive MBUX infotainment system, and improved hybrid options for lower emissions and better fuel efficiency.
Step inside, and you’re greeted with one of the most luxurious interiors in its class (complete with ambient lighting, high-grade materials, and a serene driving experience that makes every journey feel special). Known for its smooth ride and impressive refinement, the E-Class is a popular choice for those who prioritise comfort and sophistication. With a wide range of trims and finance packages available, it remains a top pick for those looking to combine prestige with practicality.
Key Things to Consider Before Financing a Car in 2025
Now that we’ve covered some of the best cars to finance in the UK for 2025, it’s important to take a step back and think about the key factors that can influence your finance decision. Choosing the right car is just one part of the process, understanding the wider financial implications is crucial and will help ensure you’re making a choice that suits your needs- both now and in the future.
Here are some essential points to keep in mind:
1. Interest Rates
The interest rate on your finance agreement will significantly affect your monthly repayments and the total amount you pay over time. Rates can vary widely depending on your credit score, the lender, and the type of finance you choose- so it’s definitely worth shopping around or speaking to a specialist broker to get the best deal available to you.
2. Depreciation
Some cars hold their value better than others. While luxury and sports models may depreciate faster, others (like certain hybrids or well-known hatchbacks) can offer stronger long-term value. If you’re planning to upgrade again in a few years, choosing a car with slower depreciation could make a big difference.
3. Running and Maintenance Costs
Beyond the monthly payment, it’s important to consider how much the car will cost to run. This includes fuel or electricity costs, servicing, repairs, and replacement parts. Some vehicles, particularly hybrids and EVs, benefit from lower ongoing costs, while others may require more frequent upkeep.
4. Insurance Premiums
Insurance costs can vary significantly from one model to another. Before committing, it’s wise to get a few quotes based on your personal details and the specific car you’re considering. This can help avoid any surprises and ensure the car fits comfortably within your monthly budget.
5. Your Credit Profile
Your credit history can influence the types of finance agreements available to you. While a strong credit score may unlock lower interest rates, there are still options available if you have a less-than-perfect credit history- so don’t be discouraged from exploring your choices.
Ready to Finance Your Next Car? Here’s How We Can Help
Choosing the right car is an exciting step but securing the right finance deal is even more essential. Whether you’re drawn to the efficiency of a hybrid, the practicality of a hatchback, or the luxury of a premium saloon, each of the best vehicles we’ve highlighted for 2025 offers something unique for UK drivers to consider.
At Choose My Car, we’re here to help make car ownership more accessible, whatever your circumstances. We work with a large network of trusted lenders to offer flexible car finance options tailored to your budget and lifestyle. Whether you have excellent credit, limited credit history, or have struggled with bad credit in the past, we believe everyone deserves the chance to drive a car they love.
Use our simple budget calculator to get an idea of what you can afford, or get in touch with our team for personalised advice. Even if you’ve been turned down elsewhere, we may still be able to help you secure the finance you need.
