Best cheap hatchback finance deals

Need the practicality of a hatchback and a big boot, but with small monthly payments? Check out the best cheap hatchbacks available now

Chris Rosamond
Apr 4, 2022

Whether you’re looking for a car that offers affordable family motoring with tonnes of space, or a top-value compact car for a couple or a stylish car for just you that won’t break the bank, then the chances are that there's a hatchback that suits your needs.

While some drivers may be happy to pay over the odds for style-centric SUV or crossover - which in some cases offer slightly larger boots than the equivalent hatchback, but typically carry a price premium, too - the good old hatchback is a great answer to many drivers' needs. Even if you're on a tight budget, there are plenty of appealing offers.

The latest batch of small hatchbacks could hardly be called ‘no frills’ though, there's plenty of variety, even at the budget end of the market. Don't think you have to stick to a small hatchback if you're on a budget, either. Some larger models will cost you far less per month than you might think.

Due to ever tougher competition in the sector, hatchback manufacturers have been forced to add increasing numbers of options and extras to even their more basic models. So no longer does driving a cheap hatchback have to make you feel like a second class citizen - especially if you opt for PCP finance, which offers lower monthly payments than the equivalent Hire Purchase deal. Just bear in mind that you don't own the car with PCP unless you make the large optional final payment.

Best cheap hatchback PCP deals

To help you in your quest for a cheap hatchback deal we’ve rounded up some of the best bargains currently available through BuyaCar. We’ve covered everything from city cars, through superminis and compact hatchbacks, right up to the most affordable large family hatchbacks.

None of these models have posh badges or the inflated prices that go with them, but they’re all practical and cheap to own, so make excellent choices for drivers who place low prices and practicality ahead of prestige or fashion. With models such as the Seat Ibiza available, however, choose wisely and there's not even any need to sacrifice style.

Cheap hatchbacks from £100-£150 per month

1. Suzuki Celerio

Our pick Suzuki Celerio 1.0 SZ4
Used deals from £5,750

City cars are where the action is if you really want to slash your driving budget, and the Suzuki Celerio is a fine example of the breed if you rate practicality and features ahead of fashion. It may not be the car you’d pick to woo your dream date, but the Celerio’s boxy body shape is inoffensive at least, and offers tonnes of space inside.

The Celerio also has a significant price advantage against the likes of the Peugeot 108, Toyota Aygo, Skoda Citigo and Volkswagen Up which plays to its advantage here. The trade-off is simpler design and engineering, so the Celerio is less fun to drive than key rivals, and has lower crash test scores.

It does have an impressive 1.0-litre petrol engine which is economical and decently powerful, though, and is put to best use around town. It also returns over 65mpg, meaning visits to fill it up should be pretty rare, making the extra efficiency of the 'Dualjet' version somewhat redundant, even though its claimed 78.4mpg is mightily impressive.

Unless you’re really on a super-tight budget, we’d recommend overlooking the basic Celerio SZ2, which offers little more on the spec-sheet than a digital radio and a split-folding rear seat. Go for the SZ3 trim with air-conditioning, alloy wheels and Bluetooth, and stick your phone in the windscreen for navigation duties, or better still the SZ4 trim which becomes even better value as time goes on.


2. Citroen C3

Our pick Citroen C3 1.2 PureTech Flair Plus
Used deals from £12,495

The Citroen brand has undergone a design revolution in recent years, and now has one of the most eyecatching lineups around. The good news is that personality doesn’t necessarily mean high prices, and a nearly-new or used C3 can be a bargain.

The C3 is a supermini that competes with the likes of the Volkswagen Polo and the Ford Fiesta, but it looks very different. It has a high-riding cabin that makes it almost a mini-SUV, and if you like the looks you’ll be pleased with the interior space and practicality too.

While other superminis promise sporty driving thrills, the Citroen C3 is focused on comfort and has a plush interior and a relatively soft ride. That said, it’s still a decent car to drive and performance from the two petrol engine choices is reasonable too - you can pick from two versions of the same 1.2-litre three-cylinder engine with 82hp or 110hp that both return strong fuel economy. If you really need to maximise fuel economy, the 1.5-litre diesel offers up to 67mpg.

Specs are pretty good too, with all C3s now featuring a seven-inch touchscreen media system, Android Auto and Apple CarPlay.


3. Ford Ka+

Our pick Ford Ka+ 1.2 Zetec
Used deals from £7,690

As a used or nearly new car, the Ka+ offers the space and practicality of a regular supermini at the price of a smaller city car.

As well as being roomier than most cars you buy at the same price, the Ka+ is surprisingly good to drive thanks to the fact it's based on the Ford Fiesta platform. However we’d be first to admit the styling is conservative - some might say bland. You can get a 1.2-litre petrol engine with either 70hp or 85hp, and we’d advise going for the latter for its better performance.

We’d also suggest choosing Zetec trim over the Studio entry-level model. It brings you Ford’s 'SYNC 3' media system, plus cruise control and alloy wheels. However the Studio does have Bluetooth and air-conditioning. Practicality is great for all versions, thanks to the roomy cabin and plenty of storage for drinks and odds and ends.


Cheap hatchbacks from £150-£200 per month

1. Seat Ibiza

Our pick Seat Ibiza 1.0 TSI SE Technology
Used deals from £9,239

The Seat brand is owned by VW Group, so it shares engineering, engines and other tech with its Volkswagen relatives. In the case of the Seat Ibiza, that means sharing a chassis, engines and gearboxes with the very latest VW Polo. This means that as well as being stylish to look at, the Ibiza is roomy, safe and very good to drive.

This latest model has a similar appearance to the larger Seat Leon, and it drives like a bigger car too. The Ibiza feels solid and planted on the road, it offers pleasingly smooth suspension, and is potent enough even if you pick the 1.0-litre petrol engine.

Everything is well put together inside, and if you’re lucky you can find a car with the optional digital dials that you can configure to show everything from music to maps – as well as essential driving info of course.


2. Vauxhall Insignia Grand Sport

Our pick Vauxhall Insignia Grand Sport 1.5 Turbo SRi
Used deals from £12,500

If you’re searching for a budget car, the chances are you’re not an avid follower of upmarket brands that often charge a premium for style rather than substance. In which case we think you’ll be highly impressed by what the Vauxhall Insignia Grand Sport offers - especially as it's satisfyingly stylish, too.

It competes in a class of affordable large hatchbacks once popular with company car drivers alongside the likes of the Ford Mondeo. However, many company drivers nowadays won’t look twice at anything unless it has an Audi, BMW or Mercedes badge on its nose, while many private buyers want to drive trendy SUVs.

This means they’re all missing out on a stylish big family hatchback, with swoopy looks and loads of interior space, that’s also very good to drive, luxuriously appointed – and seriously good value.

There’s a very efficient range of petrol and diesel engines, and eight trim levels, although even the entry-level Design is loaded with luxuries such as a seven-inch touchscreen media system with Bluetooth and Apple CarPlay, cruise control, and automatic headlights. Top spec Elite Nav and GSi Navs come with leather seats, LED headlights and all the bells and whistles.


3. Renault Megane

Our pick Renault Megane 1.3 TCe 140 Iconic
Used deals from £15,262

The Renault Megane looks like a bit of a bargain compared with most similarly-sized hatchbacks and used ones even more so, as the French family hatchback is priced against competitors from Korea like the Hyundai i30 and Kia Ceed. It undercuts nearly all other rivals, which include everything from the Honda Civic to the Ford Focus and VW Golf.

It doesn’t feel like a cheap option, though. The Megane is good to look at and features a classy, high-tech cabin. On the outside you get LED daytime running lights and wide LED rear lights, while the cabin includes a big portrait-style touchscreen media system on top-end versions.

Even entry-level Play models are well kitted out with cruise control, Android Auto, Apple CarPlay, and Bluetooth, plus a seven-inch touchscreen, though you may want to look out for cars with the Safety Pack option which includes autonomous emergency braking.


Cheap hatchbacks from £200-£250 per month

1. Hyundai i30

Our pick Hyundai i30 1.0 T-GDi Premium
Used deals from £9,990

The Hyundai i30 may not be as well-known as the Ford Focus, Vauxhall Astra or VW Golf, but that doesn’t mean it’s a less competent all-rounder than any of these popular rivals. In fact, the i30 is an extremely well-built, high-quality family hatchback that performs well on the road, while offering more luggage space under its rear tailgate than any of the aforementioned rivals.

The i30 is handsomely styled inside and out, and features a great range of engines from the entry-level 1.0-litre petrol right up to a punchy 275hp 2.0-litre engine in the i30 N sporty model. Economy seekers also get the option of a smooth 1.6-litre diesel and all variants are superb motorway cruisers, with a ‘bigger car’ feel. Unless you’re over six-feet tall and sitting in the back, when you’ll probably be wishing for a little more headroom. Kids and smaller adults will be fine.

One of the best things about the i30 is the standard specification, as Hyundai packed an awful lot into this hatchback whichever trim level you choose. For starters there’s a comprehensive catalogue of standard safety kit, including autonomous emergency braking, automatic dipping headlamps and lane-keeping assistance. Adadptive cruise control is on the options list, too.


2. Skoda Superb

Our pick Skoda Superb 2.0 TDI Sport Line
Used deals from £9,999

The Skoda Superb is arguably the king of budget hatchbacks, with a truly impressive capacity to swallow people and their luggage. It has acres of space in the back seats, and a whopping 625-litre boot.

When you factor in the impressive build quality, efficient petrol and diesel engines including a frugal 1.5-litre petrol option, a full roster of safety kit, and the luxurious ambience of its limo-like interior, you have to pinch yourself to remember that Skoda is supposedly the VW Group’s ‘no-frills’ brand.

As a new car, the Superb is priced against rivals like the Ford Mondeo or Vauxhall Insignia, yet it delivers the comfort and space of more expensive alternatives like the BMW 5 Series or Mercedes E-Class. That's an impressive feat and means that it’s a bargain the moment it drives out of the showroom.

Skoda secondhand values are pretty strong relatively speaking, but the brand’s affordability and value does carry over into the used market where you still get plenty of car for your monthly payments. A 2019 model should come in well within the £250 per month budget.


*Representative PCP finance - Ford Fiesta:

48 monthly payments of £192
Deposit: £0
Mileage limit: 8,000 per year
Optional final payment to buy car: £2,923
Total amount payable to buy car: £11,926
Total cost of credit: £2,426
Amount borrowed: £9,500
APR: 9.9%

BuyaCar is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.


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