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 Jaguar on Finance
Jaguar is known for building stylish, powerful cars that feel luxurious to drive. As a British brand with a long history, Jaguar combines performance with premium design, making it a strong contender for those who want something more exciting than a typical used car. But before you buy, it’s worth weighing up the pros, cons, and costs involved, especially when it comes to maintenance, depreciation, and common issues.
Yes, buying a used Jaguar can be worth it if you're after a premium car without the brand new price tag. Models like the XE, XF and F-Pace offer great features, smooth driving, and luxury finishes at a much lower cost second hand. You’ll often find high end interiors, good infotainment systems, and powerful engines, even on older models.
However, make sure to do your homework. A well maintained Jaguar with a full service history is a safer choice. These cars can be more expensive to repair than some rivals, so it’s important to factor in the potential running costs.
Jaguar insurance tends to be on the pricier side, especially for newer or performance focused models. Insurers see Jaguars as high value vehicles, which means repairs can be expensive if anything goes wrong. Models like the F-Type or F-Pace often sit in higher insurance groups because they have powerful engines, costly parts, and complex technology that’s more expensive to fix or replace after an accident.
Another factor is the risk of theft, Jaguars are attractive to thieves, especially high spec models, which can also drive up premiums. Even older models with advanced features like keyless entry systems can be targeted. However, not every Jaguar will cost a fortune to insure. Choosing a smaller engine size or a model in a lower insurance group, like an XE with a standard trim, can help.
You can also bring the cost down by parking your car in a secure location, adding extra security features, or using a black box policy if you’re a careful driver. It’s a good idea to get insurance quotes before you buy so you know what to expect.
Yes, Jaguars generally lose value faster than other luxury brands like BMW, Audi, or Mercedes. This is partly because older Jaguars have had a reputation for electrical issues or higher maintenance needs, even if newer models have improved. Another factor is that some Jaguars come with high running costs, which can put off second-hand buyers and affect resale prices.
That said, this isn’t always bad news, especially if you’re buying a used Jaguar. Depreciation means you can pick up a luxury car with premium features, a powerful engine, and a stylish interior for much less than the original price. For example, you might find a used Jaguar XF, XE, or F-Pace with leather seats, a digital dash, and driver-assist tech for less than a newer mid range saloon from another brand.
Just make sure it’s been well looked after and has a full service history, which will help it hold more of its value when it’s your turn to sell.
Jaguar cars are well known for their comfort, stylish design, and enjoyable driving experience. However, when it comes to reliability, they can be hit or miss. Some owners report few or no issues, while others have experienced mechanical or electrical problems over time.
The most commonly reported faults include automatic transmission troubles, coolant system leaks, and problems with the infotainment or dashboard electronics. Older models, especially those with higher mileage or patchy service histories, tend to have more issues. These problems can be frustrating, and sometimes expensive, if they’re not caught early.
That said, many of these issues can be avoided or managed with regular maintenance. Buying a used Jaguar with a full service history, preferably from a trusted dealer, helps reduce the risk of surprise repairs. Newer models like the XE, F-PACE, and I-PACE have improved in quality and reliability thanks to updated parts and better engineering.
If you keep up with servicing, check for warning signs early, and look after the car, a Jaguar can still be a great long term vehicle. They're not perfect, but for many drivers, the comfort, performance, and luxury make them worth the effort.
Both the XE and XF are excellent choices, but they suit different needs. The XE is more compact and agile, making it great for city driving and tighter parking spaces. It’s also usually cheaper to insure and run. The XF, on the other hand, is bigger, more spacious, and offers a more refined ride, ideal if you need more room for passengers or travel long distances.
If you want something sportier and easier to park, go for the XE. If comfort, space and luxury matter more, the XF could be a better fit.
Maintaining a Jaguar can be more expensive than looking after a Ford or Toyota, for example. Labour costs for premium brands are higher, and Jaguar parts can be pricier due to the brand’s engineering and technology. Some of the most commonly reported issues include:
Transmission problems: Many Jaguar automatic models have had issues with gear changes, delayed shifting or even complete failure. These often need specialist diagnosis and repair, which can be costly.
Ignition coil faults: This is particularly common in older Jaguar S models. Faulty coils can cause rough running or stop the engine from starting altogether.
Engine performance issues: Some drivers report problems linked to the timing chain tensioners. If these fail, they can cause damage to the engine, so it’s something worth checking on higher mileage vehicles.
Coolant leaks: Plastic coolant tanks in some Jaguars are known to crack and leak, which can lead to overheating if left untreated.
Brake issues, Jaguar I-Pace models from 2019 and 2020 were recalled due to problems with the regenerative braking system. Delayed braking response was caused by a software fault, which Jaguar has since fixed via updates.
That said, choosing a Jaguar that has been regularly serviced and inspected can help avoid many of these issues. Always get a pre purchase inspection done if you’re unsure.
Here are some of the most popular Volkswagen 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 Jaguar, 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 Jaguar XE is a compact executive saloon that blends sporty handling with premium comfort. It’s a great option if you want a car that feels fun to drive but still looks refined. The XE is well suited to daily commuting or motorway driving thanks to its quiet cabin and efficient engines. With fuel economy of around 45–50 mpg (in diesel variants), and a boot size of approximately 450 litres, it’s practical without feeling bulky. It typically falls into mid range insurance groups, making it one of the more affordable Jaguar models to run. This model is ideal for drivers who want an entry level luxury car with the Jaguar badge and sharp performance.
Sitting above the XE in size, the Jaguar XF offers more interior space, comfort and refinement. Available as both a saloon and a Sportbrake estate, the XF is a favourite among business drivers and families alike. It features a boot size of up to 540 litres and delivers a smooth, confident ride. The XF is ideal for longer journeys, with strong fuel efficiency (especially on diesel models) and advanced safety and tech features. If you need a car with a bit more room but still want premium touches, the XF is a great choice.
The E-PACE is Jaguar’s smallest SUV, and it's a top pick for city drivers who still want a luxury feel. It combines a stylish design with practical features, including a surprisingly roomy 577-litre boot. Inside, you’ll find a modern digital dashboard, user friendly infotainment, and solid build quality. It’s agile, easy to park, and available with a range of engines including mild hybrid options. With decent running costs for a luxury SUV, the E-PACE is popular with younger professionals and small families.
The F-PACE is a larger SUV and one of Jaguar’s best-selling models in the UK. It offers a commanding driving position, a 650-litre boot, and a well finished interior. The F-PACE is versatile and available with petrol, diesel, mild hybrid, and plug-in hybrid (PHEV) options, ideal for buyers looking to lower their fuel costs or reduce emissions. Despite its size, the F-PACE handles confidently, with a sporty edge that sets it apart from many other SUVs. It’s an excellent all-rounder for families who want space without sacrificing performance.
The Jaguar I-PACE is an all electric luxury SUV that rivals Tesla for both design and performance. It offers a driving range of around 250–300 miles (depending on version), fast charging capability, and low running costs thanks to its electric drivetrain. The boot is 470 litres, and the interior is one of the best Jaguar has produced, tech focused but premium. The I-PACE suits eco conscious drivers who still want something stylish, refined, and fun to drive. It’s particularly appealing to company car users or buyers interested in zero emissions.
