Top 3 reasons why people change their car early

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The reason people swap cars before reaching the end of an agreement is that the current car no longer does the job. Growing families, unreliability and improved lifestyles are among the top reasons to change cars on finance early.

During the past 4 years while we’ve been helping customers swap to a newer car while on finance, we’ve noticed a big trend in people ‘outgrowing’ their car. More kids, bigger kids, more bikes, bigger bikes, pushchairs, camping gear… we’ve heard it all but they are all important factors when it comes to making motoring easy and enjoyable.

Here’s the top 6 reasons…

  • Growing family (space)
  • Faulty car (immobilized)
  • Change of jobs (reward)
  • Need better fuel (economy)
  • Road tax, ULEZ charges (costs)
  • MOT failure (costs)

The great thing is, with Payment Swap you can upgrade or downgrade, as long as you can afford the monthly payment seen on every car we feature, then that’s all that’s important.

Payment Swap ® is a registered trademark of Automotive Media Ltd. PrivacyCookie PolicyTerms and Conditions Depending on the amount you owe, there is a likelihood your new agreement’s term will be extended beyond your existing arrangement. Subject to status. The renewal of a new agreement is subject to underwriting conditions and may not always be possible. Payment Swap is a registered trademark brand, operated in accordance with FCA guidelines Automotive Media Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 757685). Automotive Media Ltd is a firm registered in England and Wales under company number 9679212. All rights reserved. Written quotations detailing a choice of finance lenders will be made available from Automotive Media Ltd, who are a credit broker and not a lender and whose name is listed on the FCA register. At we believe in transparent pricing and clear instructions on what to do and what product you’re buying. This is why we score 4.8/5 stars on

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