Smart Car Finance

Explore flexible finance options for Smart models including the Fortwo, Forfour and latest all-electric Smart #1 and Smart #3.

Car Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).

Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.

Smart

Urban mobility,
reinvented

Smart is known for compact, city-focused vehicles designed to make urban driving easier. The brand has always centred its identity on clever packaging, manoeuvrability and efficient use of space.

From the original Fortwo to newer electric models, Smart has focused on transport that suits tight streets, short journeys and modern city life. Its cars offer a different approach from conventional small hatchbacks.

Today, Smart has moved into a new electric-only era, with models such as the Smart #1 and Smart #3 bringing more space, technology and everyday usability to the brand.

Smart fortwo vehicle
1994

Brand Created

Smart began as a Swatch and Mercedes-Benz project, built around a fresh idea for compact city transport.

1998

Fortwo Launch

The Fortwo introduced Smart's tiny footprint and distinctive two-seat design to crowded urban streets.

2000s

Range Expansion

Models such as the Forfour gave Smart more flexibility while keeping the brand focused on city-friendly motoring.

EV

Electric Transition

Smart shifted toward electric power early, matching its urban focus with quieter and cleaner city driving.

#1

New Generation

The Smart #1 moved the brand into a larger electric crossover format with more comfort and everyday practicality.

Today

Electric Future

Smart now focuses on electric models that combine urban agility with modern technology and improved versatility.

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Smart Range

Finance a Smart

Smart has evolved from compact city cars into a modern electric vehicle brand. Today's range combines efficiency, practicality and premium technology while retaining the urban focus that made Smart famous.

Smart Fortwo driving in the city
Fortwo

Smart Fortwo

The model that defined the Smart brand. Compact dimensions, exceptional manoeuvrability and easy parking made the Fortwo one of the most recognisable city cars ever produced.

Smart Forfour driving on the road
Forfour

Smart Forfour

Offering additional practicality and passenger space, the Forfour expanded Smart's appeal while maintaining the brand's focus on efficient urban transport.

Smart #1 driving on the road
#1

Smart #1

A new generation electric crossover that combines modern technology, increased practicality and competitive driving range with Smart's innovative spirit.

Urban mobility
Compact dimensions
Electric innovation
Modern technology
Flexible finance available
SMART RECOGNITION

Innovation,
efficiency & sustainability

Today, the company continues to focus on urban mobility while embracing new technology, practicality and sustainable transport solutions.

1998

Fortwo
Success

The Smart Fortwo became one of the most recognisable city cars ever produced thanks to its compact dimensions, distinctive styling and exceptional manoeuvrability.

EV

Electric
Future

Smart became one of Europe's first manufacturers to fully embrace electric mobility, culminating in today's Smart #1 and Smart #3 models.

Industry experts have praised Smart's transformation. The Smart #1 has received positive reviews for its driving range, interior quality and competitive pricing within the growing electric crossover segment.

Motoring journalists frequently commend Smart's commitment to innovation and sustainability. Reviews often highlight the brand's ability to adapt to changing consumer demands while maintaining its urban-focused identity.

Compared with rivals such as Fiat, MINI and Volkswagen, Smart vehicles are often praised for their compact dimensions and ease of use in city environments. The latest electric models also offer significantly greater practicality than earlier generations.

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HP and PCP finance options

Car Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).

Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.

Smart Finance Options

Types of Smart car finance options

Whether you're considering a Smart Fortwo, Forfour or the latest Smart #1, flexible finance options such as PCP Finance and HP Finance can help spread the cost and make electric motoring more accessible.

Smart forfour white

Hire Purchase is a straightforward way to finance a Smart if you want to work towards owning the vehicle outright. You pay an initial deposit followed by fixed monthly payments over an agreed term.

Once all payments have been made, including any option-to-purchase fee, the Smart becomes yours. This can suit drivers who want long-term ownership of models such as the Fortwo, Forfour, Smart #1 and Smart #3.

Monthly payments and interest rates depend on your personal circumstances, credit profile, deposit and chosen vehicle. Missing payments may affect your credit score and could result in the vehicle being repossessed.

At CarLoansUK, we can help find a Smart finance option that suits your circumstances.

Personal Contract Purchase can be a popular choice for Smart drivers who want lower monthly payments and more flexibility at the end of the agreement.

With PCP Finance, part of the vehicle cost is deferred into an optional final payment, often called a balloon payment. At the end of the agreement, you can pay this to own the Smart, return the vehicle, or part exchange it for another car.

PCP can appeal to motorists interested in Smart's latest electric vehicles, including the Smart #1 and Smart #3, while helping keep monthly payments lower than some other finance products.

PCP agreements usually include mileage limits and vehicle condition requirements, so it is important to choose terms that match how you plan to use the car.

Car Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).

Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.

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Our aim at Car Loans UK is to find you the perfect vehicle and finance plan. Our experienced consultants do the hard work,
saving you the time and effort. We will actively source you the ideal used car and finance package from our panel of lenders.

STEP 01 ⸺

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STEP 02 ⸺

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 We find you the perfect used car. Whether you have a specific make or model in mind, or just want a 5-door family car with air conditioning, our team will find the right car for your needs.

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STEP 03 ⸺

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We work with a panel of UK lenders to try and find you a finance agreement and payment plan that suits your budget. We carry out the relevant checks and keep you informed every step of the way.

So, let Car Loans UK take the strain of searching for a new car and finance plan away, and begin your journey today.