We all wish we had an unlimited budget when it came to cars. How we could all afford the top of the range model with all the extra features that you don’t need but would love to have anyway. From a minibar to an in-car entertainment system, it seems unfair that only the superrich get to have all the nice toys.

But luxury isn’t just for those with a million-pound bank account. You can get a car that will make you feel like a prince without paying so much money to make you a pauper. Here is our selection of seven luxury cars that you can afford. And if you spot something you like, why not find, fund, and deliver it directly to your door with our complete car buying service?

Mercedes-Benz A-Class


The way to get the most bang for your buck is to go for a model that is slightly older and then splash out on the optional extras. The Mercedes-Benz A-Class is a fantastic example of a car that can be turned into a luxury vehicle by opting into the huge range of smart technology features available.

This fully connected vehicle makes you feel like you are driving something from a sci-fi film. The intelligent dashboard provides information on every aspect of your drive, giving you a feeling of complete control. At night, the dashboard changes to highlight only the most important aspects of your drive.

Add to that the quality materials that the seats and interior are made of, and you have a car of real quality. And on the plus side, it’s a lot more affordable than some of the other Mercedes models, meaning you’ll have extra to spend on your upgrades of choice.  

Audi A1


For those after something a bit smaller but still with the luxury credentials, the Audi A1 is the car of choice for you. High-quality engineering and their attention to detail when it comes to the interior means that splashing out on a car from Germany is the easiest way to find affordable luxury.

The Audi A1’s compact size means you’ll save on fuel and tax, meaning more money to spend on some of the upgrade options available. Luxury is all about the interior, and the small size of the A1 doesn’t mean you lack a roomy interior. And with the money you save, you should go for the Technology Pack that gives you all sorts of upgrades, including exchanging the standard sound system for a Bang & Olufsen stereo.



Luxury cars come in all shapes and sizes. From snazzy little coupes to luxury estates. The BMW X1 is a slightly different entry on our list. Crossover SUVs are one of the newest kinds of cars to hit the market. And where they were once purely practical machines like the Nissan Qashqai or the Skoda Yeti, new luxury models have entered the market to hit the high-end buyer with a  desire for a better class of crossover.

The BMW X1 is one of the best in the business, with its quality interior, ergonomic design, and a range of efficient engines. Plus it drives like a dream for a car of its size. The starting price on the X1 isn’t too high, and you can get an excellent finance deal to help spread the cost into manageable payments.

Volvo S60


It’s not just the German manufacturers that create high quality cars at affordable prices. If you head a little further north, you’ll find one of the best affordable luxury cars on the market being produced by our friends in Sweden. Forget meatballs and self-assembly furniture. The Volvo S60 is one of the best looking cars on the market, easily comparable to the sleek BMWs, Audis and Mercedes cars.

But it’s not just about how it looks. The car comes with a huge range of technology to choose from. Connectivity comes as standard, and the touch screen can be set to control your smart phone. There’s also a large amount of cabin space that adds to the overall comfort of the car.

Jaguar XJ8


Sometimes, to get the luxury you need, you have to go for something a little older. This is especially the case with the famous British manufacturers, who have built a reputation for high quality luxury vehicles. The Jaguar XJ8 was top-of-the-range on its release back in 1997. For six years, it was the car of choice for the elite.

16 years after it went off the market, the XJ8 has become a modern classic that just oozes luxury. While you may not have as much money left over from trips to the petrol station (its MPG is quite low), the quality of the interior and finish means that, if you can find a car in good condition, you won’t be spending too much to get a taste of the finest British luxury.

Range Rover


Once the nation’s workhorse, the Range Rover has gone from the farmyard to the suburbs. Now seen as the height of luxury and prestige, Range Rovers are driven by millionaire footballers and movie stars.

To get the luxury model you need, you need to head back to the turn of the millennium, where the car truly made its way into the prestige market. Its huge size gives you a view of the road like a king surveying their domain. Quality interiors and smart handling are all a bonus. When these cars were first released, they would have cost you a small fortune. But find one now in a decent condition, and you’ll have all the luxury for a fraction of the cost.

Lexus LS


A car beloved by American music stars, Lexus have made a name for themselves across the pond as high-end, high quality vehicles, something that has perhaps not had the same impact here in the UK. This means demand is smaller, with prices dropping as a result.

So the Lexus LS is one of luxury car’s best kept secrets. The booming sound system will mean that, whatever your music of choice, it will sound like you are in your own private room at a posh nightclub. There are lots of gadgets to choose from, including what’s known as an ‘infra-red climate concierge’. The car will read your face to see how hot you are and adjust the climate automatically to match. First on the market in 2007, go for one of the older models to get the most for your money.

Find Your Luxury Car

The best way to make the most of your budget is to spread the cost of your car into manageable monthly payments. Find, fund, deliver your car with Creditplus, and we’ll search our network of trusted dealers to find that luxury vehicle you’ve been dreaming of. Just tell us what you want and we’ll tailor the car and the finance package to match your requirements.

Apply online today and you’ll be living the life of luxury sooner than you think.

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If you have any further questions simply give one of our friendly Customer Advisors a call on 0333 6000 290 - we will always be happy to help you.  Alternatively, if you’re ready to make your car finance application then hit the apply button below.

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