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Car finance in Manchester

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Zuto is a credit broker, not a lender. Our rates start from 7.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £7,000 over 48 months with a representative APR of 19.3%, the amount payable would be £205 a month, with a total cost of credit of £2,831 and a total amount payable of £9,831.

Applying for car finance in Manchester?

Car finance is a common way to manage and spread the cost of purchasing a new vehicle. Because we work with a large panel of lenders, we’re able to explore a range of car finance deals in Manchester and match these to your situation.

The most popular cars in Manchester

When applying for finance, you might have an idea of the type of car you want to drive. However, if you’re still undecided on a make and model that suits your lifestyle, check out the most common new and used cars other drivers in Manchester are buying.

  • Vauxhall Astra

A comfortable hatchback that’s affordable to run and maintain, you can generally buy a used petrol Vauxhall Astra for between £10,900 and £14,500, depending on mileage and condition.

  • Nissan Qashqai

Packed with handy features, the Nissan Qashqai has long-been considered a family favourite, with used hatchbacks available for around £11,500-18,000.

  • Ford Focus

An affordable favourite and well-suited to various lifestyles, the Ford Focus is the ideal all-rounder. You can typically buy a used petrol engine Ford Focus for between £16,500-20,900, depending on condition and mileage.

  • Nissan Juke

Fuel-efficient and jam-packed with in-car infotainment, the Nissan Juke is an affordable SUV designed for practical driving. If you’re buying used, expect to pay around £13,000-20,000, depending on mileage and condition.

  • Vauxhall Corsa

This popular hatchback is affordable to run – especially if you purchase electric. Used petrol Vauxhall Corsas are priced between £9,000-13,000, while electric is typically more expensive at around £23,000.

Car dealers in Manchester

We work with over 100 trusted car dealers across Greater Manchester and the surrounding area, with over 3,500 different vehicles to choose from, so it’s very likely we work with a finance provider near you.

With such a wide-reaching network of dealers, we’re able to offer local expertise and free background checks on partner dealerships and vehicles, no matter where you live in the area. In fact, we help over 200 customers get car finance in Manchester each month.

Get in touch today to see how we can help you find used car finance in the North West.

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Insuring your car in Manchester

Insurance is a necessary cost to consider when purchasing a new or used car, so it’s important to include it in your monthly budget.

Unfortunately, Greater Manchester and the North West are home to some of the highest insurance premium costs in the UK, with some customers paying over £1,000 per year (compared to the UK average of £640). As well as the city centre, areas within the region that are most likely to have particularly high insurance rates are Oldham, Rochdale, Bolton, and Bury.

Why is car insurance in Manchester so high?

There are a combination of common factors that might contribute to your car insurance premium being high, including age, annual mileage, and whether you have any points on your license. Additionally, Greater Manchester has a higher rate of vehicle crime and driver claims than other UK regions, which will further impact the cost of insuring your car.

How to reduce the cost of car insurance

You might feel like the cost of your car insurance is beyond your control, but there are some ways you can reduce the annual premium you pay – even if you live in a high-rate Manchester postcode. These include:

Increasing your excess: your excess is the amount you’ll contribute towards an insurance claim. Voluntarily raising this amount could reduce your annual premium.

Build up your no claims discount: a no claims discount is applied to your car insurance premium if you don’t have a history of claiming. You will typically accrue one year’s worth for every year you’ve driven without claiming, and the discount often increases over time.

What to know about driving in Manchester

As with any city, central Manchester can get congested (often more than anywhere else in England outside London) and takes some getting used to.

So, before tackling the traffic, we recommend familiarising yourself with the one-way system and any roads closed to general traffic; not only can going the wrong way land you a penalty notice, but you’ll have to work out how to re-join the correct road! Other things to be aware of include:

  • The M60 Ring Road loops around the city, making Manchester accessible from all directions. It stretches out towards Stockport, Sale, Middleton, and Ashton-under-Lyne.
  • It can be quite difficult to find parking in Manchester city centre, so consider instead getting the tram from one of the many stations situated in the surrounding towns. If you do want to park in the city, though, the cheapest parking can be found at Park Place, Red Bank, Park Street, and Trinity Way.

Why get car finance with Zuto?

Zuto makes finding car finance in Manchester easy; because we understand your circumstances from the start, including your needs and budget, we can explore all the options with our panel of lenders. Our friendly and experienced team is available to explain everything, from monthly payments to deposits and the length of the loan, and we’re always on hand to offer local expertise and advice around each of our partner dealerships in the North West.

We’re here to help Manchester drivers find car finance that gets them the car they need, whether it’s fresh from the factory or has been owned by another driver first. Even if you don’t know the kind of car you want yet, our team will help you work out what kind of vehicle and car finance might be right for your budget. They can even help you search for a car among the thousands in our own database.