Used SMART Car Finance
Looking to finance a used SMART? AutoMoney Trust can help you spread the cost of models like the SMART ForTwo, ForFour, EQ ForTwo and EQ ForFour with fixed monthly hire purchase payments.
A used SMART can be a good choice if you want a compact car that is easy to park, simple to drive and well suited to city use. SMART cars are best known for their small size, tight turning circle and low running-cost potential.
The ForTwo can suit drivers who mainly travel alone or as a pair, while the ForFour gives extra doors and more everyday practicality. Electric EQ versions can suit shorter journeys where charging access is convenient.
Before applying for finance, check whether a SMART suits your real driving needs. These cars are excellent for city use, but they may not suit drivers who regularly need long motorway journeys, large boot space or regular rear-seat practicality.
For wider budgeting, read running and servicing costs before choosing a used SMART.
SMART reliability depends on the model, age, mileage, service history and how the car has been used. A well-maintained SMART with clear service records and a clean MOT history can be a sensible used buy, especially for city driving.
Before applying for finance, check service intervals, MOT advisories, tyre condition, brakes, suspension, clutch or gearbox behaviour and warning lights. On electric EQ models, check battery condition, range, charging history and warranty status.
Small cars can still become expensive if maintenance has been ignored. A cheaper SMART with missing service history may not be the best value if repairs are due soon.
For a wider used-car checklist, read [choosing a second-hand car](/customer-hub/guides/best-second-hand-cars-to-buy/). If faults appear after purchase, problems with a financed car explains what to do next.
SMART cars can be cheap to run compared with larger vehicles, especially if most of your driving is around town. Fuel, parking, tyres and servicing may be more manageable than on many larger cars, depending on the exact model and condition.
Electric EQ models can offer lower running-cost potential where charging access works for your routine. However, public charging costs, battery condition, insurance and real-world range should still be checked carefully.
The full cost matters before applying for finance. Monthly repayments, insurance, servicing, tyres, charging or fuel, MOT costs and repairs should all fit your budget.
If you are comparing electric and petrol options, read electric vs hybrid cars before deciding.
A SMART car can handle motorway driving, but it is not usually the strongest reason to buy one. SMART cars are designed mainly for city use, short journeys and easy parking rather than long-distance motorway comfort.
If you regularly drive on motorways, check comfort, refinement, range, stability and whether the car has enough space for your needs. The ForFour may feel more practical than the ForTwo, while electric EQ models need careful range planning for longer trips.
A SMART may still work if motorway journeys are occasional, but if long-distance driving is normal for you, a larger used car may be more suitable.
If you are comparing compact alternatives, used Fiat finance and used Mini finance are useful comparison pages.
SMART values depend on the model, age, mileage, condition, service history, battery condition on electric models and market demand. Because SMART cars are specialist city cars, they can appeal strongly to the right buyer but may not suit everyone.
Clean, low-mileage examples with good history can be attractive where buyers want compact city transport. Modified, neglected or poorly maintained examples may be harder to sell later.
If you are financing a used SMART, remember that the total amount payable can be higher than the cash price because interest and fees may apply. Depreciation should be considered alongside monthly repayments and running costs.
If you already have a vehicle to move on, part-exchanging a car explains how condition and value can affect your next purchase.
Used SMART finance customers often compare the ForTwo, ForFour, EQ ForTwo and EQ ForFour because each model suits a different type of driver.
The SMART ForTwo is the classic compact SMART model. It can suit city drivers, commuters and buyers who want the smallest possible car for tight parking and short journeys.
The SMART ForFour adds extra doors and more practicality while keeping the compact city-car feel. It can suit drivers who like the SMART size but need occasional rear-seat access.
The SMART EQ ForTwo is the electric version of the ForTwo. It can suit drivers with predictable shorter journeys and suitable charging access.
The EQ ForFour may suit drivers who want electric city-car running with a little more practicality. Before choosing a model, compare insurance, service history, MOT record, battery condition where relevant and whether the car suits your normal journeys.
The Smart Fortwo is a compact two-seat city car built for tight streets, short trips and easy parking. It suits drivers who do not need rear seats and want something simple for everyday urban use. Petrol Fortwo models can be affordable to run and insure, but boot space is limited, so it is best for commuting, shopping and local journeys rather than family use.
Open Smart Fortwo pageThe Smart EQ Fortwo is the electric version of the compact two-seat city car. It is best suited to short journeys, town driving and drivers who can charge conveniently. Running costs can be low compared with petrol cars, but range is limited, so check battery condition, charging access and your normal mileage before choosing one.
Open Smart EQ Fortwo pageThe Smart Forfour adds rear doors and extra seats while keeping the compact city-car feel. It is more practical than the Fortwo for small families, passengers or regular shopping trips. Petrol versions can be affordable to run, easy to park and simple to drive, making them a useful option for drivers who want a small car with more flexibility.
Open Smart Forfour pageThe Smart EQ Forfour combines the extra practicality of the Forfour with electric driving. It can suit city-based families or commuters who want lower running costs and zero tailpipe emissions. Real-world range is limited compared with larger electric cars, so it is best for local driving rather than regular long-distance journeys.
Open Smart EQ Forfour pageThe Smart #1 is a larger electric crossover that moves SMART beyond its traditional city-car size. It offers more space, modern technology and a longer electric range than older EQ models. It may suit drivers who like the SMART brand but need more practicality, although insurance, charging needs and purchase price should be checked carefully.
Open Smart #1 pageHire purchase is a common way to spread the cost of a used SMART. You choose the car, agree the amount to finance, then make fixed monthly payments over an agreed term. At the end of the agreement, once all payments and the option to purchase fee have been paid, ownership can transfer to you.
Before applying, check your budget carefully. The monthly finance payment is only one part of the cost. You should also consider insurance, servicing, tyres, fuel, charging costs, repairs and whether the SMART model you want fits your day-to-day use.
Our guide explains how HP finance works if you are new to hire purchase. You can also estimate your monthly payments with the finance calculator, then apply online when you are ready.
Finance is subject to status and affordability. Your individual rate and approval depend on a full assessment, not a representative example.
Remember: When buying any used vehicle, there’s always a chance that issues may come up later. If you’ve financed a car and start to notice mechanical problems, it’s important to contact both your finance provider and the dealership where you bought the vehicle. Acting quickly can help get the issue resolved and protect your rights.
Yes, you can apply for used SMART finance through AutoMoney Trust. Finance is subject to status, affordability checks and lender approval. You can use the finance calculator to estimate example monthly payments before applying.
The best used SMART model depends on your budget, running costs and how you plan to use the car. The Fortwo may suit city driving and short journeys, while the Forfour, EQ Forfour or Smart #1 may suit drivers who need more space or electric-car practicality.
Many SMART models can be affordable to run, especially smaller city cars used for short journeys. Costs still depend on the exact model, mileage, service history, insurance group, tyre size and whether you choose petrol or electric.
Before financing a used SMART, check the service history, MOT record, mileage, tyres, brakes, warning lights and whether the car suits your normal journeys. Electric SMART models should also be checked for battery condition, charging access and real-world range.
