First, the basics. Used car dealers want your money, and, if they know what’s good for them, they want to keep you happy and coming back for more and that includes arranging your car finance and car insurance too.

As a result, they offer a wide variety of methods to help you get behind the wheel: commercial hire purchase, leasing, chattel mortgages and so on. The first thing to decide is whether you want to own the car at the end of the contract or if you would like to opt to include a residual value at the end of the finance period.

When having a new motor car every three years is a priority, many people trade in one to offset the cost of the next.

Make sure you do your shopping around first, car finance from car dealers can be convenient but often with a premium attached to that convenience.