Automatic Cars on Finance: The Benefits and Considerations

In recent years, there has been a growing trend towards buying automatic cars on finance. If you’re considering a car purchase, it’s essential to understand the advantages and disadvantages of purchasing an automatic car on finance.

Automatic cars on finance in UK

What are Automatic Cars on Finance?

Automatic cars on finance are cars purchased through a finance agreement that spreads the cost of the car over a set period. This arrangement provides a more affordable way to purchase an automatic car, particularly if you don’t have the cash to pay for it outright.

Benefits of Automatic Cars on Finance


One of the main advantages of purchasing an automatic car on finance is the convenience it provides. An automatic car allows you to focus more on the road ahead and less on shifting gears. This feature can be particularly useful in heavy traffic situations, making your daily commute more comfortable and stress-free.

Smooth Driving Experience

Automatic cars provide a smoother driving experience compared to their manual counterparts. They allow for more seamless gear shifting and acceleration, which provides a more relaxed and comfortable driving experience.

Fuel Economy

Automatic cars can be more fuel-efficient than their manual counterparts, as they allow for better control over the gears. This feature can help save you money on fuel costs over time.

Range of Models and Prices

Purchasing an automatic car on finance provides a range of options to choose from, including many new cars with different features, models, and prices. This variety ensures you can find a car that meets your budget and preferences.

Considerations for Purchasing Automatic Cars on Finance


Although purchasing an automatic car on finance is an affordable option, it’s important to note that the overall cost of the car will be higher than if you bought it outright. This is because finance agreements come with interest rates and other fees that can add up over time.

Petrol or Diesel

When deciding to buy an automatic car, it’s important to consider whether you want a petrol or diesel engine. Petrol engines are typically cheaper and more widely available, while diesel engines offer better fuel economy but can be more expensive.

Maintenance Costs

Automatic cars require more regular maintenance than manual cars, which can increase the overall cost of owning the car. It’s important to factor in these additional costs when considering purchasing an automatic car on finance.

Expensive Repairs

If your automatic gearbox needs repair or replacement, it can be costly compared to a manual gearbox. It’s essential to factor in the potential repair costs when considering purchasing an automatic car on finance.


Purchasing an automatic car on finance can provide a convenient, comfortable, and fuel-efficient driving experience. However, it’s essential to consider the overall cost of the car, maintenance, and repair costs before making a final decision. By weighing the benefits and considerations, you can make an informed decision about whether purchasing an automatic car on finance is right for you.