We're constantly being encouraged to tighten our belts, cut our cloth according to our means and erase extraneous items from our budgets. But how far would you go to save a few quid on a car? Some practise the art of 'bangernomics' which involves buying a car for under £1,000, running it until it becomes uneconomical, scrapping it and sourcing another. While this can make financial sense, you're usually driving about in a car with poor safety provision and third-rate electronics. There has to be a smarter way and in the unassuming shape of Kia's Magentis, an answer might have sneaked in from left field.

About the Kia Magentis

Kia is a company in transition, moving from bargain basement towards the more stylish end of the mainstream. Until its phasing out in 2011, the Magentis must have looked like a throwback to the old days in dealerships stuffed with ultra cool Souls and sleek Pro_ceed's. Although it's tough to fathom the logic of buying a new one, there's definitely an argument for letting somebody else ride the lion's share of the depreciation curve and then taking delivery of a two or three year old car that's been serviced under warranty for comparative peanuts. Shop wisely and you should be able to run the Magentis cheaply and not lose a whole stack of money. In the process, you'll have a reasonably well finished car with a recent plate sat outside your house rather than an antediluvian banger. It's not the most exciting car in the world, but if economies must be made, it's good to know that the sacrifices needn't be too onerous.

Representative finance example

Borrowing £7,500 on a Hire Purchase agreement over 48 months, a representative APR of 18.5% and a deposit of £0.00, the amount repayable would be £216.89 a month, with a total cost of credit of £2,910.72 and a total amount payable of £10,410.72.

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Used Kia Magentis Cars in Scotland

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