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Used Smart on Finance

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

Financing a Smart

If you're intrigued by compact city cars and are contemplating acquiring a Smart car in the UK, this simple guide will steer you towards the ideal financing deal.

Simple Guide: Financing a Used Smart Car in the UK

Why Choose a Smart Car?

  • Smart cars are well-known for their compact size, making them ideal for city driving and parking in tight spots.
  • They're stylish, with a modern design aesthetic that stands out.
  • Many models boast efficient fuel consumption and low CO2 emissions.

Kickstarting Your Smart Search:

  • Begin with official Mercedes-Benz/Smart dealerships for certified pre-owned vehicles.
  • Scan reputable online car platforms for listings.
  • If buying from a private seller, consider a professional vehicle inspection.

Popular Smart Models in the UK:

  1. Smart Fortwo - Perfect for solo city dwellers or couples without kids. It's incredibly compact and manoeuvrable.
  2. Smart Forfour - Offers slightly more space, seating four people and providing additional versatility.
  3. Smart EQ Fortwo & EQ Forfour - Electric versions providing a greener option for urban transportation.

Financing Options:

  1. PCP (Personal Contract Purchase): Begin with an initial deposit, followed by monthly instalments. At the contract's conclusion, you can choose to purchase the car outright, return it, or exchange it.
  2. HP (Hire Purchase): After a deposit, you'll make monthly payments. Once all payments are completed, ownership of the Smart car is transferred to you.
  3. Leasing: Essentially rent the Smart car for a set period. Upon contract end, you'll return the car.

Understand Your Credit Score:

  • A robust credit score can garner you a more favourable interest rate. It's wise to check this beforehand.


  • Calculate what you can genuinely afford monthly, considering the deposit, monthly instalments, insurance, and additional costs.
  • Smart cars, due to their compact nature, are often more affordable, making them an attractive choice for budget-conscious consumers.

Before Sealing the Deal:

  • Thoroughly inspect the Smart car's service and MOT history.
  • Validate the car's mileage and overall condition.
  • Ensure clarity on your finance agreement's terms.

Negotiation Tips:

  • Equip yourself with knowledge on the average pricing for the Smart model you're eyeing.
  • The car's age, mileage, and any potential issues can be negotiation levers.
  • Clearly express your finance deal preferences.

Now, with this guide at your fingertips, you're set to navigate the process of financing a used Smart car in the UK. Relish the convenience and flair of your city-friendly vehicle!

About Smart

Smart, a brand born from a collaboration between Swatch and Mercedes-Benz, emerged with the mission to revolutionize urban mobility. Its diminutive vehicles, known for their compact size and distinctive design, have become a staple in many of the world's most congested cities, including in the UK where urban space is at a premium.

Key Features and Specifications

  • Compact Design: Smart's hallmark is its ultra-compact design, perfect for tight urban spaces and easy parking.
  • Efficiency: Smart cars, especially the electric models, offer efficient and environmentally-friendly options for city driving.
  • Safety: Despite their small size, Smart vehicles boast impressive safety features, such as the Tridion safety cell, that aim to protect occupants in the event of a collision.
  • Customisation: Smart offers numerous customization options, allowing owners to personalize their cars to match their style.

Popular Models in the UK

In the UK, the Smart range has been particularly popular among city dwellers:

  • Smart EQ fortwo: A compact two-seater that is ideal for urban environments. Its electric powertrain makes it both quiet and zero-emissions.
  • Smart EQ forfour: Offers more space with the ability to seat four, while still maintaining the brand's compact ethos. Also fully electric, it's suitable for the eco-conscious urbanite.

With an emphasis on urban mobility and sustainability, Smart continues to appeal to those looking for efficient and stylish transport solutions in bustling cities. In the UK, where urban commuting and eco-consciousness go hand in hand, Smart finds a fitting home.

Smart Data

Find out which Smart vehicles are most popular, their average price, age and mileage and recent sales.

ModelStockAvg PriceAvg AgeAvg MileageRecent Sales
All Smart726£7,8671041,1031,547
Fortwo Cabrio89£8,807838,068157
Fortwo Coupe169£8,615733,773427
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