Buying a car for the first time? Start here

Buying a car is an exciting step that brings new freedom and possibilities. With your first set of wheels, you can head out wherever and whenever you want, without having to wait on anyone else. There are so many options these days, from electric and hybrid to good old petrol and diesel. And then there’s the choice between new and used.

There’s a lot to think about when buying a vehicle for the first time. That’s why we’ve put together some of our top tips for buying your first car to help you figure it all out.

How to set a budget for your first car

For first-time drivers, the key to setting a realistic budget is making sure the purchase stays within your means. Don’t just look at the sticker price. You need to understand what you’re actually able to afford once all costs are added up.

Here’s how to break it down:

1. Decide on a total spending limit. Look at your income and savings to calculate the maximum amount you can pay.
2. Factor in insurance. For new and younger drivers, premiums are sometimes higher than the monthly finance payment. Get a quote before committing.
3. Account for running costs. Fuel, road tax, parking, and tolls should all be added to your monthly budget.
4. Plan for maintenance. Servicing, repairs, and replacement parts are elements of the ongoing cost of car ownership. Used cars tend to have a lower price but higher upkeep.
5. Leave a buffer. Always set aside a little extra for unexpected expenses (tyres, breakdowns, or a sudden rise in fuel prices).

How much should you spend on your first car?

So, you’ve decided to buy your first car — exciting times! But before jumping in, it’s important to keep a level head when it comes to cost. A good range to aim for is between £4,000 and £8,000. This gives you access to a wide choice of safe, reliable used cars without overspending.

It’s worth remembering that buying the car is just the beginning. Ownership also means ongoing costs like fuel, insurance, tax, servicing, and occasional repairs. Make sure your budget leaves room for these regular expenses, and always keep a little aside for the unexpected — like a new set of tires or a surprise MOT bill.

Not sure what your budget should be? Our guide on how much you should spend on your first car breaks it down in more detail, with realistic numbers and tips to help you plan smarter.

Should you buy a new or used car?

When it comes to a first car, most experts agree that a used option is the smarter choice. New drivers are still getting used to the road, which means the odd scratch or bump is more likely. A new car loses value quickly in its first few years, so it rarely makes sense to take that financial hit right away. Instead, you might look at nearly new models that are only a year or two old, which may even have a remaining manufacturer’s warranty.

One key factor to consider is the car’s age – it affects reliability, insurance, and resale value. If you're unsure what to aim for, check out our guide on what the best age is for a used car.

That said, not all used vehicles are equal. High-mileage cars seem like a bargain, but they can bring higher repair costs later on. A good choice is a well-kept used one with reasonable mileage from a trusted dealer.

Check out our article: Should I buy a new or used car? A complete comparison guide

How to choose the right first car

Your first car should be practical, safe, and affordable to keep on the road.

Here are the key things to check before making a decision:

Best cars for first-time buyers in the UK

When it comes to first cars for new drivers, a small hatchback is usually the best choice. They’re affordable, easy to park, and cheap to run, which makes them perfect for new drivers looking to build confidence and gain real experience on the road.

Examples:

• Toyota Aygo
• Hyundai i10
• Kia Picanto
• Volkswagen Up!
• Skoda Citigo
• Ford Fiesta

What to check before buying a car

Before you hand over any money, take time to go through a few key checks. This isn’t the full list (you can find that in our other article), but these basics will give you some reassurance that you’re looking at a reputable car:

• Make sure the car comes with its V5C logbook, and that the details match the vehicle. Look through the MOT history and the service history.
• Check the tyres for tread depth and even wear because replacements can be costly.
• Sit inside and test the basics: seatbelts, lights, windows, and air conditioning. The overall condition of the cabin reflects how carefully the car has been treated.
• Pop the bonnet and check for leaks, strange noises, or smoke. Oil and coolant levels should be correct.
• Make sure safety features like airbags and seatbelts are working.
• On a test drive, check how the brakes feel. They should respond quickly and evenly without pulling to one side.

Where to buy your first car in the UK

The choice of where to look affects the options available to you, the price you pay, and how comfortable you feel with the process.

Car finance brokers - best options

When shopping for the best first cars for new drivers and comparing finance deals, brokers can help buyers save time by showing offers from different lenders. They may also have access to deals you wouldn’t find on your own.

For example, Carplus is a UK-based finance broker that specialises in helping first-time buyers, young drivers, and people with limited credit history. We work with a wide panel of lenders, so you’re more likely to find a finance deal that suits your budget and driving experience.

Brokers like we are don’t just simplify the process, we also explain your options clearly and help you avoid common pitfalls, making us a solid choice if you’re feeling unsure about where to start with your first car finance.

Car dealers

Franchised dealerships usually offer newer models, sometimes with warranties and service plans. You’ll pay more than in the private market, but many first-time buyers like the extra security.

Independent used car dealers

When buying from a dealer that isn’t tied to a big brand, you’ll often find lower prices and a wider mix of older models. Quality differs, so always check the history and warranty.

Private sellers

Buying from a private seller is often the cheapest route. You might find a bargain, but there’s less protection than with a dealer. View the car in daylight, check the papers, and bring someone experienced if you can.

How to pay for your first car

When it comes to how you’ll buy a car, you have a few different choices. The right one will depend on your budget and how you want to cover the cost over time.

• Outright purchase – Paying the full price up front is the simplest way, and without interest and extra fees, those cars tend to be cheaper.
• Car financing – Paying monthly makes the car easier to afford, but it usually costs more due to the interest.
• Personal loans – These involve fixed payments and let you shop around for better rates.
• Credit card – Adds protection, but only works if you repay quickly to avoid high interest.
• Leasing – Means lower monthly payments, but you never own the car and may face mileage or damage charges.

Timing can also make a big difference. If you're flexible, it’s worth learning when the best time to buy a used car – certain times of the year may offer better deals or more choice, especially from dealers.

What to do after buying your first car

First, make sure the car is road-legal. That means paying your road tax, checking the insurance is in place, and confirming when the next MOT test is due. Also, keep all the car’s paperwork together in a safe place.

After going through the checklist, get familiar with the car itself. Learn how the controls work, check the tyre pressures, and top up fluids if needed. Check the basics early to avoid problems and drive with fewer worries.

Final words

Buying your first car is a big step and an exciting milestone. With some preparation and the right information, you can make a choice that’s both enjoyable and smart for your wallet. The goal is to find a car that fits your lifestyle and budget, not just today but for years to come.