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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 Mercedes on Finance

 

Mercedes-Benz is one of the most trusted premium car brands in the UK. Known for luxury, comfort, and cutting edge technology, Mercedes offers something for everyone, from compact hatchbacks to spacious family SUVs. Their cars are built to a high standard, with smooth handling and strong performance across the range. Financing a used Mercedes is a popular option for drivers who want premium quality without the premium price.

Why Choose to buy a Mercedes?

Mercedes-Benz is one of the most recognised premium car brands in the UK, and for good reason. These cars are known for their high levels of comfort, smart interior design, and technology. Whether you want a compact city car, a stylish saloon, or a large SUV for the family, there’s likely a Mercedes that fits your lifestyle.

Many people choose Mercedes because of the driving experience. The engines are smooth, the handling feels refined, and the build quality gives you a sense of luxury from the moment you step inside. They’re also packed with useful features such as parking sensors, cruise control, and advanced safety systems, even on older used models.

Another reason to consider a Mercedes is strong resale value. While they cost more upfront than some mainstream brands, they often hold their value better, especially if they’ve been well looked after. This means you might get a better return when it’s time to upgrade. Buying a used Mercedes can also make luxury more affordable, especially with finance options that let you spread the cost.

Car Button Console

Which Mercedes is Best for Value?

If you’re looking for the best value in the used Mercedes range, the A-Class and C-Class stand out. The A-Class is a compact hatchback that’s perfect for city driving, commuting, or even as a first car. It’s stylish, fuel efficient, and easy to park, plus, newer versions come with digital displays and smartphone connectivity as standard.

The C-Class is a step up in size and comfort. It’s ideal for longer trips, families, or drivers who simply want more interior space. It offers a smooth ride, more powerful engine options, and high end finishes inside the cabin. Despite being more premium, it’s still affordable to run, especially the diesel models which offer excellent fuel economy.

Both models are popular choices for used car buyers because they blend style, performance, and practicality. They also tend to keep their value well, which is helpful if you plan to part exchange or sell the car in a few years.

Are Second Hand Mercedes Reliable?

Mercedes are well built, but like any car, reliability depends on the model and how well it’s been looked after. Common issues include sensitive check engine lights (sometimes triggered by a loose fuel cap), air suspension problems on older S-Class models, and worn spark plugs causing misfires. Older models may also suffer from rust in areas like door sills and wheel arches.

Electric window faults and worn engine mounts are also common, especially in a car with high mileage. However, Mercedes diesel engines are well known for their longevity. A well serviced model can often exceed 150,000 miles.

Is Mercedes Good for New Drivers?

Mercedes might not be the first brand that comes to mind for new drivers, but there are some models that work really well, especially if you're considering used car finance. The Mercedes A-Class is a great entry point. It's compact, easy to drive, and packed with features that make life simpler for someone who’s just passed their test. Features like parking assist, rear view cameras, and lane assist can help build confidence behind the wheel.

Insurance can be more expensive for a Mercedes compared to budget brands, but models like the A-Class are often in lower insurance groups than people expect, especially if you go for a petrol engine with a smaller size.

New drivers also benefit from Mercedes’ reputation for safety. These cars often come with technology that helps prevent accidents and protect passengers, which can give peace of mind for both the driver and their family. If you want your first car to feel solid, modern, and packed with useful features, a used Mercedes, especially on finance, can be a great option.

Are Mercedes AMG Expensive to Maintain?

Mercedes AMG models and plug-in hybrids can be more expensive to maintain due to their advanced parts and technology. High performance features mean higher costs for servicing, tyres, brakes, and fuel.

In contrast, mainstream models like the A-Class and C-Class are more affordable to run, especially when serviced at a trusted independent garage. Regular maintenance helps prevent costly repairs and keeps the car running well. Whether you're buying for performance or practicality, keeping up with servicing protects your investment.

Does a Mercedes Keep Its Value?

Mercedes-Benz cars are known to hold their value better than many other car brands. This is because they are seen as premium vehicles with strong build quality, comfort, and long term reliability. Buyers often look for second hand Mercedes models, which helps keep resale prices higher than average.

Popular models like the A-Class, C-Class, and E-Class tend to perform well on the used market. These cars appeal to a wide range of drivers, from young professionals to families and business users. Their strong reputation, modern features, and efficient engines make them desirable even after several years of use.

If you're planning to sell or part-exchange your Mercedes later, it’s important to choose a model with a good service history. Cars with features like navigation, parking sensors, leather seats, or automatic gearboxes often hold their value better. Regular servicing and care such as using the correct oil, keeping MOTs up to date, and avoiding high wear will also help protect the car’s future value.

In short, choosing a Mercedes with the right spec and looking after it well can give you a better return when it’s time to change your car. This makes it a smart option for those financing a vehicle and thinking ahead about long term costs.

Which Is Better Mercedes AMG or BMW?

Both Mercedes AMG and BMW make high performance cars, but they offer slightly different driving experiences.

Mercedes AMG cars focus on power and comfort. They are fast but still feel smooth and luxurious. Many AMG engines are hand built, and the cars come with strong engines and soft suspension. They are a good choice if you want speed but still want a comfortable ride.

BMW, especially the M models, are built for sports performance. They feel sharp on the road, with quick steering and tight handling. BMWs are known as “driver’s cars” because they give you more control and a fun driving experience.

Both brands offer modern tech and high-quality interiors. Mercedes often feels more luxurious, while BMW focuses more on how the car drives. Running costs can be high for both. AMG and BMW M models use more fuel and have expensive parts, so servicing and insurance may cost more. However, they both hold their value well if looked after properly.

Which one is better depends on you. If you want comfort with strong performance, Mercedes AMG is a great choice. If you want a sporty feel, BMW might be the better option.

Mercedes Badge Front

Top 5 Financed Mercedes Models in the UK

Here are some of the most popular Mercedes models financed in the UK, and for good reason. Each one offers something different, depending on what the driver needs or prefers.

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Financing a Mercedes

If you're thinking about getting a used Mercedes on finance, hire purchase can be a flexible and straightforward option. You pay a fixed monthly amount over a term of 3 to 5 years, and once the final payment is made, you own the car outright. This works well for drivers who want to avoid large upfront costs or balloon payments.

When looking at finance deals, it’s important to compare interest rates (APR), the length of the loan, and any additional fees. Before applying, check your credit score and factor in for insurance, tax, fuel, and regular servicing. If you’re applying with a bad credit car finance company, some lenders may still offer options, though rates might be higher. By choosing the right model, reviewing the car’s history, and working out your budget, you can enjoy a premium driving experience in a Mercedes that suits both your lifestyle and your finances.

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.

Disclaimers

  • We are an independent hire purchase lender. We are not linked to or approved by any car manufacturer shown on this website. The names and logos belong to the manufacturers and are used only to help identify the vehicles.
  • The information on this page highlights common points that drivers may want to think about when choosing this brand of vehicle. It is general guidance only, not official information from the manufacturer. Different models may vary, so please consider your own needs and circumstances when deciding.
  • All vehicle manufacturer names, logos and trademarks shown on this site belong to their respective owners. They are used only to help identify the vehicles that customers may choose to finance. We are independent and not approved by, or affiliated with, any vehicle manufacturer. Logos of broker firms are displayed to show our commercial relationships with them. Each broker’s name and logo remains the property of its owner
Mercedes A-Class

Mercedes A-Class

The A-Class is a premium hatchback known for its compact size, sharp design, and modern tech. It’s a popular choice for new drivers and commuters. Later models come with a digital dashboard, MBUX infotainment, and high safety ratings. Fuel efficient engines include 1.3L petrol and 1.5L diesel options, with some models reaching up to 70 mpg. Boot space is around 355 litres, which is suitable for everyday use. The A-Class offers a premium feel without the large size of bigger Mercedes models. It’s also commonly searched under terms like is it worth buying A-Class Mercedes?, which shows its strong appeal among first-time buyers.

Mercedes C-Class

Mercedes C-Class

The C-Class is a mid size saloon or estate ideal for those who want a mix of comfort and performance. It’s often used by business professionals or drivers who want a refined, well built car for daily driving. Engine options include 2.0L petrol and diesel, with plug-in hybrid versions also available. Diesel models can reach up to 65 mpg, and the boot offers around 455 litres of space. It balances luxury, driving experience, and running costs well, and is often considered one of the best BMW alternatives for value and quality.

Mercedes E-Class

Mercedes E-Class

The E-Class offers more space and comfort than the C-Class and is often chosen by drivers who do long distance motorway driving. Available as a saloon or estate, it features high quality materials, smooth handling, and strong engine options. The E-Class includes 2.0L and 3.0L petrol/diesel options, and a plug-in hybrid version. Diesel models offer up to 62 mpg. With boot space from 540 to 640 litres (depending on body style), it's practical and refined. It is often viewed as the best class for Mercedes if you're looking for a car that mixes luxury and everyday usability.

Mercedes GLA

Mercedes GLA

The GLA is a compact SUV that blends SUV styling with hatchback ease. It's good for families or those who want a slightly higher driving position without needing a large SUV. Engine options include 1.3L petrol and 2.0L diesel, offering up to 57 mpg. It features modern infotainment, high safety ratings, and a boot size of around 435 litres. It’s a smart pick for those looking for space, comfort, and style. The GLA is a top pick for car finance for first time drivers who want SUV looks without the added size or cost.

Mercedes GLC

Mercedes GLC

The GLC is a mid size SUV that offers comfort, practicality, and strong performance. It suits families, commuters, or drivers who need space and towing capacity. Engine choices include 2.0L diesel, petrol, and plug-in hybrid models. Diesel models can reach up to 52 mpg, and boot space is up to 620 litres. The GLC is known for a smooth ride, advanced driver assistance features, and premium interior quality. It’s also one of the more economical large SUVs offered by the brand, answering the common question: Which Mercedes is economical?

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