: List non-negotiables like passenger space or towing capacity versus "nice-to-haves" like a sunroof.

: Research your current car’s market value to see how much it will lower your new purchase price. 2. Research and Narrow Your Choices

: For around £142, you can hire an independent AA engineer to perform up to a 206-point check on a used car. This includes a physical, mechanical, and photographic report.

: Focus on the total final price rather than just the monthly payment, which can be manipulated with longer loan terms.

: Ensure you have the Registration Certificate (V5C), MOT history, and a written sales agreement before handing over payment.