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HP and PCP available, subject to status
Finance for used MGs from verified UK dealers
Representative 19.8% APR. No impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score. ?We're partnered with Car Finance 24/7. As an Introducer Appointed Representative of Carfinance247 Limited (FCA FRN: 653019), we receive a commission if you purchase finance products through the link above. We do not provide advice or make recommendations.
*A soft search has no impact on your credit score. If you choose to proceed with a full application, a hard search will be carried out which may impact your credit score.
MG is one of the most aggressively priced brands in the UK. New MG models already undercut most competitors on price, and used examples could be even more affordable. A used MG3 or ZS could be among the cheapest cars to finance on the market.
The monthly cost depends on the model, the amount you borrow, the term length, and the APR you are offered. Rates start from 9.9% APR. Representative 19.8% APR.
MG is now owned by SAIC Motor, a Chinese automotive group. The brand has invested heavily in electric vehicles, and models like the MG4 and ZS EV are among the most affordable EVs available in the UK. If you are considering electric motoring on a budget, MG could be worth looking at.
Use the calculator further down this page to estimate monthly payments.
Wondering how much car finance you can get on your salary? Use our calculator to estimate monthly payments based on the car price, your credit grade and preferred term length.
MG is one of the most popular brands to finance in the UK. Whether you are looking at a used ZS or a used MG3, HP and PCP are both available via Brumble. Once approved, you can get your car from any verified UK dealer. Here are some of the most commonly financed MG models.
MG ZS
A compact SUV available as petrol or fully electric (ZS EV). One of the most affordable SUVs on the market.
MG HS
A mid-size SUV that has become one of the UK's best-selling cars. Offers a lot of space and equipment for the price.
MG MG4
A fully electric hatchback that has won multiple awards. Could offer one of the most affordable ways into EV ownership.
MG MG3
A small hybrid hatchback. One of the most affordable cars to finance in the UK.
MG MG5
A fully electric estate car. One of the few electric estates available, offering practicality alongside low running costs.
The amount you can finance depends on your individual circumstances. Subject to status and affordability.
With HP (Hire Purchase), you make fixed monthly payments and own the MG at the end of the agreement. No mileage limits apply. Given MG's affordable pricing, HP monthly payments could be among the lowest on the market.
Find out more about HP car finance →
MG PCP gives you lower monthly payments than HP. At the end, you can hand the car back, pay the balloon to keep it, or use any equity towards your next car.
MG is a relatively new entrant to the modern UK market, so the used value trajectory is less established than brands like Ford or Toyota. If your MG holds its value, there is potential to build equity, but the used market for MG is still developing. Used car values are never guaranteed.
MG PCP is often available on models such as the ZS, HS, MG4, MG3, and MG5, subject to status.
Find out more about PCP car finance →
With both HP and PCP, you have the right to end the agreement early through voluntary termination or early settlement.
Both HP and PCP may be available with no deposit on many MG models, subject to status and affordability.
Via Brumble, you can check what options you could be eligible for with a soft search. There is no impact on your credit score. If you then choose to proceed, a hard credit search will be carried out which may impact your credit score.
Leasing and finance are different. With a lease, you never own the car. With finance, you have the option to own it.
MG's affordable pricing means the gap between lease and HP payments could be very small. With HP, you own the car at the end. With a lease, you hand it back and start paying again.
Finance gives you the right to voluntary termination and early settlement. Leasing typically penalises early exit. Finance also lets you modify or personalise your car freely.
For affordable cars like the MG3 and ZS, the ownership benefit of HP may outweigh the marginally lower monthly payments of a lease.
Yes. Both HP and PCP may be available on used and second hand MG models from verified UK dealers. Via Brumble, you can finance a used MG from any verified dealer.
Most lenders allow the car to be up to around 14 to 16 years old at the end of the agreement, though this varies. The modern MG range is relatively new to the UK, so most used examples are well within these limits.
MG offers a 7-year warranty on new cars (since 2023), which may be transferable on some models. Check the specific warranty terms for the car you are looking at.
If you are interested in electric motoring, the MG4 and ZS EV are among the most affordable EVs available. See our hybrid and electric car finance page for more.
Check the car's history with our MOT checker and tax checker. Our MG reliability report covers common issues by model.
MG models are among the most affordable on the market, so borrowing amounts tend to be small. This may make the approval process more straightforward. A used MG3 or ZS could be one of the most accessible cars to finance.
MG's affordability makes it a popular choice for students, first-time finance applicants, and drivers with bad credit.
According to DVSA MOT data analysed by Brumble, MG has a national MOT pass rate of 80.8%, based on 0.15 million tests in the 2025 test year. The national average across all brands is 72.4%.
This places MG above the national average, which could indicate that used MGs may be less likely to have issues at MOT time compared to some other brands. However, individual results depend on the car's age, mileage, and maintenance history.
The most common MOT advisory and failure items on MG vehicles include suspension components, brake pads, and lighting faults. Checking these areas before purchasing could help you avoid unexpected costs during your finance agreement.
Our free MOT checker lets you look up any vehicle's full MOT history by registration number. For a more detailed assessment, our MG reliability report breaks down pass rates by model, age, and mileage.
Source: Brumble analysis of DVSA anonymised MOT test results, 2025 test year. Published under Open Government Licence v3.0.
MG has run 0% finance promotions on selected new models. These promotions, sometimes described as zero interest or 0% APR, are manufacturer-subsidised and are not available all the time. They are not available on used cars.
MG's aggressive new car pricing combined with 0% promotions has been part of the brand's strategy to build market share. However, these offers are not permanent and availability changes.
Brumble's partner offers used car finance as an alternative. Rates start from 9.9% APR, subject to status.
Check your eligibility for both HP and PCP deals in minutes (Representative 19.8% APR) - with no impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score.
Check Your EligibilityThere are lots of ways to approach car finance, and the right option depends on your circumstances. Whether you have bad credit, need a no deposit option, or just want to understand PCP vs HP, we have a guide for you.
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Guide
Understand the key differences between PCP and HP finance, so you can pick the option that suits how you plan to use the car.
Guide
A plain-English overview of how car finance works in the UK, including deposit, APR, terms, and what happens at the end of the agreement.
Compare MG car insurance quotes from 130+ UK insurers.
Thinking of selling your car? Get a free valuation via our partnership with Motorway.
Common questions about MG car finance.
MG is a British brand that is now owned by SAIC Motor, a Chinese automotive group. The cars are designed in the UK but manufactured in China and Thailand. MG has grown rapidly in the UK market by offering competitive pricing, particularly on electric models.
The MG4 has won multiple awards and is one of the most affordable electric hatchbacks available. Used examples could offer a low-cost entry into EV ownership. Running costs tend to be low. HP and PCP may both be available. Subject to status.
The ZS is one of the most affordable SUVs to finance. Monthly payments depend on the version (petrol or EV), age, price, term, and APR. Use the calculator to estimate. Representative 19.8% APR.
MG is still building its track record for long-term reliability in the UK market. The brand offers a 7-year warranty on new cars since 2023. As with any used car, checking the MOT history before committing is always worthwhile.
It may be possible. MG's affordability means very small borrowing amounts, which may improve your chances. A soft search lets you check with no risk. Subject to status.
Many finance options are available with no deposit, subject to status and affordability. MG's affordable pricing means monthly payments could be low even without a deposit.
Yes. Request a settlement figure from your lender at any time. With HP, you also have the right to voluntary termination once you have paid at least half of the total amount payable.
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