Representative Example: You could borrow £10,699 over 60 months with an initial payment of £495.89 (including £199 Admin Fee) followed by 58 monthly payments of £296.89 with a final payment of £495.89 (including optional £199 Option to Purchase Fee). Total amount repayable will be £19,012,40. 26.1% APR, annual interest rate (fixed) 13.3%.
Buying A Used Alfa Romeo On Finance
If you're thinking about buying an Alfa Romeo on hire purchase, it can be a useful way to finance a used car. Alfa Romeos are known for their design, racing history, and enjoyable driving experience. However, the brand has faced criticism over the years for reliability issues, especially with electrics and battery life. Newer models have shown improvement and tend to have fewer problems than older versions.
The Alfa Romeo can be a strong choice when buying a second-hand car. It offers great performance and standout design, often at a lower price than similar models from Audi or BMW. It’s also a good option for drivers who want something different.
However, reliability has been a concern. Some models, like the Giulia and Stelvio, have been recalled for issues with the fuel system, brakes, and airbags. This is important to keep in mind. Like all used cars, Alfa Romeos may need more repairs and maintenance than new cars. But with regular servicing, they can still be a good choice.
Reliability is often the most discussed topic with Alfa Romeo. Older models had a reputation for faults, particularly with electrics and suspension. However, newer models have improved, especially the Giulia and Stelvio. Engines like the 2.0L petrol and 2.2L diesel are more robust when serviced regularly.
With proper care, Alfa Romeos can exceed 100,000 miles. The life expectancy of an Alfa Romeo depends on how well it’s been maintained. Like any car, a well serviced vehicle can last longer and perform better than expected.
In recent years, Alfa Romeo has invested in better parts, more advanced build processes, and tighter quality control. This has helped bring the brand closer to competitors like BMW and Audi in terms of reliability. While occasional issues may still come up, especially with electronics, buying a newer, well maintained Alfa Romeo can now offer a much more.
Before you commit to financing a used car, it’s essential to check the vehicle’s condition and history thoroughly. This will help avoid any unwanted surprises after purchase. First, ask for a full service history. A well maintained car should have records of regular servicing, especially for models with turbocharged petrol or diesel engines, where neglect can lead to costly repairs. Look out for common issues, on Alfa Romeos, this might include electrical faults, oil leaks, or wear in the suspension system. These aren’t necessarily deal breakers, but it’s important to know what you’re getting.
Inside the car, test the infotainment system, dashboard functions, and air conditioning. Signs of wear and tear, like faded buttons or a sticky touchscreen, can hint at how the car has been treated. Check the MOT history online to look for repeat advisories or any major past repairs. Make sure the mileage is consistent and hasn't been altered.
Finally, get an HPI check. This will confirm the car isn’t still under finance, hasn’t been written off, and hasn’t been stolen. If you’re still unsure, it’s worth paying for an independent inspection before signing any hire purchase agreement. A little care up front can save a lot of money and hassle down the line.
Fuel efficiency does depend on the model, as each will differ. The Giulietta diesel can achieve over 50 mpg, making it ideal for long commutes. Larger petrol engines, like those in the Stelvio Quadrifoglio, deliver more power but use more fuel and are less efficient.
Insurance costs can be higher than average, especially for performance models. The Giulietta and Mito are in lower insurance groups, which makes models like the Mito more affordable for new drivers.. Servicing costs are similar to other premium brands. You can often reduce costs by using a trusted independent garage that understands the brand.
Alfa Romeos are stylish and fun to drive, but they do tend to lose value faster than premium brands like Audi, BMW, or Mercedes. This means they may not be the best option if you're buying new and hoping to sell after just a couple of years. However, for second hand buyers, this actually works in your favour. The quicker depreciation means used Alfa Romeos are often more affordable compared to similar German alternatives.
If you’re using no deposit car finance or hire purchase, you might get a lot more car for your money, whether it’s a sporty Giulia or a family Stelvio. To help protect value, look for models with full service history, low mileage, and sought after trims. While resale value may not be Alfa’s strong point, the blend of performance and style often makes up for it if you're planning to keep the car for a few years.
Here are some of the most popular Alfa Romeo models financed in the UK, and for good reason. Each one offers something different, depending on what the driver needs or prefers.
If you’re thinking about buying a used Alfa Romeo, finance could be a simple way to get the car you want without paying all at once. With HP, you make monthly payments and own the car at the end of the finance agreement.
Before applying, it’s worth checking your credit score, comparing offers, and making sure the car has a full service history. Choose a monthly payment that fits your budget.
Remember: When buying any used vehicle, there’s always a chance that issues may come up later. If you’ve financed a car and start to notice mechanical problems, it’s important to contact both your finance provider and the dealership where you bought the vehicle. Acting quickly can help get the issue resolved and protect your rights.
The Giulia is a sporty executive saloon that stands out for its rear-wheel drive and strong performance. It comes with a 2.0L petrol or 2.2L diesel engine, and there’s also the powerful Quadrifoglio version with a 2.9L V6. The diesel model can return up to 47 mpg, and the 480-litre boot offers good space for daily use. It’s best for drivers who want performance and comfort in one package.
The Stelvio is Alfa’s mid-size SUV, offering a high driving position and plenty of space. The Stelvio shares its engine with the Giulia, including a 2.0L petrol and 2.2L diesel, with an optional high-performance Quadrifoglio version. Fuel economy goes up to 45 mpg. It also has all-wheel drive and sport tuned suspension. With 525 litres of boot space, the Stelvio is ideal for families who want something practical but still fun to drive.
Although no longer in production, the Giulietta remains a popular used car. It’s a five door hatchback with a 1.4L petrol or 1.6L diesel engine. The diesel model offers up to 60 mpg, and the 350-litre boot makes it practical for everyday driving. Its compact size, sporty look, and lower insurance group make it a smart option for city drivers or first time car finance.
The Mito is a small three door hatchback, perfect for city driving or as a first car. Engine options include a 0.9L TwinAir, 1.4L petrol, and 1.3L diesel. The diesel version is very efficient, with up to 67 mpg. It has a 270-litre boot and sits in a low insurance group, making it ideal for new drivers.
The Tonale is Alfa Romeo’s newest model and the only one with an electric option. It comes with a 1.5L mild hybrid petrol engine or a 1.3L plug-in hybrid (PHEV) that offers up to 37 miles of electric range. Combined, the PHEV can deliver up to 217 mpg. Boot space is 500 litres. The Tonale has a digital display, safety features, and a modern design. It’s a good choice for drivers who want a stylish SUV with lower running costs.
