Best cars for £99 a month: May 2025

Wondering whether you'd be able to get yourself a brand new car for less than £100 per month? It might not seem likely, but we're pleased to say that there are a couple of options available to you. Stretch that figure for £200 and you might be surprised by which cars you could add to your shortlist.

Due to the gradual rise in car prices each year, there are very few new cars left on sale that can be considered 'cheap' - the latest Dacia Sandero is available from £14,200, while prices for the revised Kia Picanto have crept up to £15,845. These two cars trade places as the cheapest new cars for sale in the UK.

Fortunately, you don't need to fork out over £14k to get behind the wheel of a new car. Buying a car on finance is now by far the most popular way drivers in the UK pay for their cars. Instead of having to save up the full cost of a new car, splitting this into a deposit and a series of monthly payments makes purchasing a car much more affordable in the short term. 

If cost is your number one criteria in your car search, buying a used car is something well worth considering as you might be surprised by how much further your £100 per month will stretch. You only need to take a look at what's on offer for less than £10,000 with BuyaCar to see what an opportunity used car buying can be.

If it's a brand new car you're after, then you still have options. However, in order to get the monthly payments down, sometimes large deposits are required, so ensure you have both the savings and the required cash on hand each month when signing up.

See also

• 0% APR car deals
• Best nearly new car deals
• Best PCP car deals
• Best car leasing deals
• Zero deposit finance deals
• Best car subscriptions
• Best electric car finance deals
• Best van finance deals
• New cars with free insurance
• All car finance deals

Best new cars for £99 a month deals A-Z

Best used cars for £200 per month or less

Used Kia Picanto from £127 per month

Our pick Kia Picanto 2
£1,109 deposit £127 per month
Kia Picanto review

The Kia Picanto is proof that good things come in small packages. Despite its tiny size, the Picanto can cope with long journeys in reasonable comfort, while it shines around town. The Picanto is also very well equipped as standard, featuring kit that you'd usually expect to find in larger cars.

As a brand new car, the Picanto is affordable, with Kia currently offering a £500 deposit contribution and zero deposit on PCP. However, if you can chip in at least some money to the deposit, this helps make the monthly payments much more manageable.

As a used buy, the Picanto packs a punch, but mercifully not to your wallet, as it's cheap to run and insure, while used models with relatively few miles on the clock won't break the bank.

Kia Picanto 1.0 1 5dr
Price: £9,495 or £127.27 a month
Mileage: 27,000
Annual mileage limit: 10,000
Deposit: £1,109
Monthly payments: 47 x £127.27 (£5,981.69)
Optional final payment: £2,597.50
Total payable: £9,688.44
APR representative: 13.3%
PCP agreement length: 48 months
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Used Fiat 500 from £136 per month

Our pick Fiat 500 Lounge
£1,302 deposit £136 per month
Fiat 500 review

The Fiat 500 remains a much more distinctive and characterful alternative to a used Dacia Sandero, despite the fact that it's been around since 2007. With retro styling that still holds up years and years after it first launched, this is a delightfully chic Italian city car. It's still available new with a choice of either PCP or PCH for £999 down and then £199 per month over 48 months.

The cheapest used versions of the 500 we've found are in Lounge spec, giving you equipment levels similar to what's on offer from the most basic Sandero. The headlines are electric windows and a USB port, but it's the interior styling that helps the Fiat to outshine the Dacia.

Fiat 500 1.0 Mild Hybrid Dolcevita [Part Leather] 3dr
Price: £8,680 or £136 a month
Mileage: 30,702
Annual mileage limit: 10,000
Deposit: £1,302
Monthly payments: 47 x £136 (£6,392)
Optional final payment: £3,475
Total payable: £11,419
APR representative: 13.4%
PCP agreement length: 48 months
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Used MG3 from £143 per month

Our pick MG3 Exclusive Nav
£1,292 deposit £143 per month
MG3 review

If you're looking for a new MG3, the latest model starts at £229 a month on a four-year deal with a £3,242 customer deposit. MG will chip £250 towards your deposit, too. A petrol-only model has recently been announced, although isn't currently offered on PCP by MG.

The previous-generation MG3 was on sale in the UK for 11 years, meaning that there are plenty to choose from, often with low miles, a decent chunk of the warranty remaining and requiring less than the £3,000+ customer deposit a new version commands:

MG3 1.5 VTi-TECH Exclusive Nav 5dr
Price: £8,614 or £142.60 a month
Mileage: 45,302
Annual mileage limit: 10,000
Deposit: £1,292
Monthly payments: 47 x £142.60 (£6,702.20)
Optional final payment: £2,980
Total payable: £11,224.30
APR representative: 13.4%
PCP agreement length: 48 months
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Used Dacia Duster from £160 a month

Our pick Dacia Duster TCe 90
£1,529 deposit £160 per month
Dacia Duster review

The Dacia Duster is one of the UK's cheapest new SUV buys. An all-new model has just arrived in UK dealerships, with Dacia offering two PCP options to help get you behind the wheel. There's a 4.9% APR option over 24 months, which requires a minimum 25% deposit. That would be £4,713 on a Duster Essential TCe 100 at £116 a month. The other option is a 48-month deal at 7.9% APR, making both the deposit and monthly payments £276.

Used options start from around £170 per month on PCP, but it's worth paying a little more monthly if you car for a car that's only two or three years old and with a low mileage. That said, even higher-mileage Dusters are an affordable and reliable option, provided they've been well maintained. 

Dacia Duster 1.3 TCe Comfort 5dr
Price: £10,195 or £159.64 a month
Mileage: 39,511
Annual mileage limit: 10,000
Deposit: £1,529
Monthly payments: 47 x £159.64 (£7,503.08)
Optional final payment: £4,539.70
Total payable: £13,572.03
APR representative: 13.3%
PCP agreement length: 48 months
See this deal

Read our used Dacia Duster review here

Used Hyundai i10 from £165 per month

Our pick Hyundai i10 SE Connect
£1,560 deposit £165 per month
Hyundai i10 review

The Hyundai i10 is one of the very best small cars available at this kind of price. On a new PCP deal, the freshly facelifted i10 is available at 8.5% APR, giving monthly payments of around £220 per month on a 48 month deal when you put down a £2,700 deposit.

For around £160 per month on a PCP for a used i10, there's plenty of space and comfort on offer, while it's also very enjoyable to drive. SE models are the most common at the lower end of the budget scale, but these still feature air-conditioning, a USB port, cruise control and a height-adjustable driver's seat.

You may also come across Premium trim, which features a smattering of leather, an upgraded sound system and Bluetooth connectivity. All i10 models also feature plenty of safety kit and two ISOFIX points in the rear seats, making this very usable as a small family car.

Hyundai i10 1.0 T-GDi N Line 5dr
Price: £10,401 or £164.87 a month
Mileage: 48,766
Annual mileage limit: 10,000
Deposit: £1,560
Monthly payments: 47 x £164.87 (£7,748.89)
Optional final payment: £4,127.50
Total payable: £13,686.54
APR representative: 13.4%
PCP agreement length: 48 months
See this deal

Used Toyota Aygo X from £200 per month

Our pick Toyota Aygo X Pure
£1,949 deposit £200 per month

The Toyota Aygo X has been designed with the urban jungle in mind. So while the plastic cladding might look a bit OTT, you'll be glad of it once that runaway trolley makes contact in a crowded carpark. If you opt for a new model, you tend to require a deposit of over £5,000 to get the monthly payments to around £125 per month, plus a mileage limit of around 6,000 per year. Zero deposit takes monthly payments to around £255. 

Opt for a used Aygo X and you benefit from higher mileage limits, affordable deposits and the benefit of Toyota's 10-year or 100,000-mile warranty, provided the car has been serviced by an approved dealer or workshop.

Toyota Aygo X 1.0 VVT-i Pure 5dr
Price: £12,995 or £199.55 a month
Mileage: 26,359
Annual mileage limit: 10,000
Deposit: £1,949
Monthly payments: 47 x £199.55 (£9,378.85)
Optional final payment: £5,657.50
Total payable: £17,235.60
APR representative: 13.4%
PCP agreement length: 48 months
See this deal

When is the best time to lease a car?

As with buying a car, it's often good to check in at the end of a month as dealerships often have incentives or bonuses on offer for their salespeople who meet their targets. Just as with other consumer goods, it’s worth looking for new car deals around the christmas holidays, as it’s quiet in dealerships and people are spending on gifts. It's also worth going deal hunting around Black Friday to snap up deals aimed at when people are in the mood to spend some money.

We’d avoid early March and September, when new registrations come in, as that’s when more new cars are sold, so there’s fewer incentives around, but it's worth asking at the end of each quarter - March, June, September and December - to see if there's a deal to be done.

Does car leasing cover maintenance?

This will depend on the specific deal on the table, but we'd recommend you're absolutely clued in to what any leasing deal does or does not include. Most often, car leasing deals cover more than PCPs, and will include things like road tax. However, maintenance tends to count like an optional extra, and can be added for an extra monthly fee.

It’s worth looking at, as lease deals can be quite strict about exactly when and where a leased car must be serviced. It’s rare you can pick any garage, and some carmakers will insist any work is done at their franchise only, so a discounted packaged, if available, could save you money and stress.

How hard is it to get approved for car finance?

With any form of car finance deal, your credit score will be checked to ensure that you can afford to pay back any loan. To get approved for car finance you need to have a good credit history and have chosen a car that fits your budget.

If you have lots of debt and no form of income, getting this approved will be tricky, and if you are successful, you may have higher interest to pay. However, there are specialist firms that offer car finance for those with poor credit, so all is not lost if you don’t get approved first time around.

How can I reduce monthly payments?

If you're looking for the cheapest leasing deal possible, it's always worth shopping around and being flexible. For example, if you like a particular car but aren't completely set on it, it's always worth looking up key rivals and seeing how prices compare, or considering downsizing a model, say from a Golf to a Polo, if you can manage with the reduced space.

Likewise, if you’re flexible on how much you’re planning to use your car, signing up to a lower annual mileage limit could trim some cash from the budget. However, if you then end up over the limit at the end of the agreement, the cost per mile charge could prove quite the sting in the tail.