Best used cars for under £100 a month

You'll be surprised at how much car you can get for under £100 a month - we've picked the best examples on the market

BuyaCar team
Jan 27, 2018

You could easily spend £3.30 a day on coffee. Alternatively, you could skip the caffeine fix and buy a car for exactly the same amount.

With low-priced deals on desirable cars and flexible finance that offers manageable interest rates and small deposits, there's an impressive range of used cars available for just £3.30 a day - or £100 a month.

In fact, as you’ll see from the list below, £100 per month can get you anything from a nearly-new city car to family-size estate car. The prices are based on Personal Contract Purchase (PCP) deals over four years at 9.9% APR. These can vary according to your credit profile, making your monthly payments higher or lower. PCP finance offers a range of options at the end of the agreement: you can return the car, trade it in for another model or buy it by paying a lump sum.

If you’re looking at an older car, PCP may not be available, but you’ll be able to spread the cost with Hire Purchase (HP) finance. For more information, look at our complete finance guide.


Volkswagen up!

Best used car under £100 a month for city car value

Example VW Take up! 1.0 60PS 3dr  Age 2013 / 15,000 miles
Price £4,490  Deposit £467  Monthly payments £74

The VW up! proves city cars don't have to be tinny and cheap-feeling. Its doors close with a satisfying thunk and its trim feels anchored for life. It’s good to drive with light but accurate steering and versions on standard wheels cope well with our pockmarked city streets. Our example’s tiny three-cylinder engine is a little jewel around town, although you might what to consider the more powerful 75PS engine for longer journeys. Take up! trim is a little basic (the next one, Move up! brings air conditioning and a split-fold rear seat) but on this monthly repayment it’s hard to complain.


Fiat 500

Best used car under £100 a month for retro design

Example Fiat 500 1.2 Pop  Age 2016 / 10,000 miles
Price £6,995  Deposit £1,028  Monthly payments £97

A two-year-old Fiat 500 costing less than £100 a month is astounding value - particularly as the car's retro design still looks fresh.

That style does have its downsides, which are a tiny boot and cramped rear seats. Still, if you generally travel no more than two-up and are a wizard at packing the weekly shop, you should get on.

The example above is powered by a reasonably economical 1.2-litre petrol engine and there are few other options in this price bracket. There's plenty of choice when it comes to equipment levels, though. Most 2016 cars in budget are entry-level Pop versions, which do have a basic specification, but there are Pop Star cars from 2015, which come with air conditioning.


Peugeot 208

Best used car under £100 a month for sophistication

Example Peugeot 208 1.6 e-HDi Allure  Age 2014 / 40,000 miles
Price £6,290  Deposit £647  Monthly payment £97

With a design that flows together more smoothly than many other superminis, a fairly spacious interior and economical engines, the Peugeot 208 is a sophisticated choice for less than £100 a month.

At this price, you can pick up a petrol-powered car in Active trim, with a touchscreen, digital radio, Bluetooth for connecting your phone wirelessly and alloy wheels. Diesel versions are cheaper, so higher-specification Allure models are within specification, offering climate control, sports seats, plus automatic headlights and windscreen wipers.


Vauxhall Corsa

Best used car under £100 a month for young drivers

Example Vauxhall Corsa Sting  Age 2015 / 25,000 miles
Price £5,495  Deposit £568  Monthly payment £93

Vauxhall’s Corsa Sting model is designed to appeal to young drivers, with its cheap price, low insurance group ranking - as well as more questionable white alloy wheels and bonnet stripe (shown above).

The car’s low starting price means that you can pick up a model that’s barely three years old for under £100 a month, offering the safety benefits of a more modern car alongside cheap finance and insurance costs. You’ll only get air conditioning if you’re lucky (it’s an optional extra) but Bluetooth is included for connecting your phone wirelessly.


Hyundai i10

Best used car under £100 a month for compact dimensions and a spacious interior

Example Hyundai i10 1.0 SE 5dr  Age 2014 / 15,000 miles
Price £5,995  Deposit £618  Monthly payments £100

The best city cars manage to offer space, comfort, nimbleness, as well as making some effort to look stylish.

The Hyundai i10 ticks every box and it's one of the best city cars on the market now, so getting one for just £100 a month is a bargain.

There are some decent models within budget too: SE specification includes air conditioning and alloy wheels, while ther small 1-litre engine is smooth and efficient. All i10s have five doors, so getting into the back is simple.


Renault Twingo

Best used car under £100 a month for manoeuvrability

Example Renault Twingo 1.0 SCe Play Age 2015 / 26,000 miles
Price £5,370  Deposit £555  Monthly payments £93

The Twingo proves not all city cars have to be the same. For one thing, its engine is fitted in the back, rather than the front. This creates more interior space than rivals, while allowing the steering system more space to work, so giving the car a very tight turning circle.

You’ll feel this in the way the little Twingo is able to get of tight spots that would leave other cars floundering. Some Twingos in this price range are entry-level Expression versions; it's worth looking for a Play model, which comes with air conditioning and height adjustment on the driver's seat.


Ford Fiesta

Best used car under £100 a month for fuel economy

Example Ford Fiesta 1.25 Zetec 3dr  Age 2014 / 30,000 miles
Price £5,990  Deposit £617  Monthly payments £97

The Ford Fiesta has just been replaced with a new model. But you wouldn't believe that the previous car was past its sell-by-date when you get behind the wheel. It still feels nimble and precise, which makes it fun to drive.

A £100-a-month budget does restrict you to the least-powerful Fiestas, but the 1.25-litre petrol engine is zippy enough in town and can cope with motorway speeds if you don't mind revving it when you need to accelerate.

The cheapest cars often only have three doors, with two at the front and a hatchback boot, but there are usually a handful of five-door versions (pictured above) available, which are more practical if you'll be filling the rear seats regularly. With air conditioning, a split-fold rear seat alloy wheels, and attractive styling details, Zetec is a popular trim level.


Suzuki Swift

Best used car under £100 a month for headroom

Example Suzuki Swift 1.2 SZ2 3dr  Age 2013 / 22,000 miles
Price £4,995  Deposit £518  Monthly payments £93

The Suzuki Swift is not the most obvious supermini choice but like many underdogs it rewards a closer look. If you’re on the tall side you’ll certainly appreciate its generous headroom, front and rear.

If you like driving, you’ll enjoy its quick and accurate steering, and stability in corners. If you just need to get from A to B with the least fuss, you’ll appreciate its smoothness over bumos

SZ2 trim packs a few creature comforts including a USB connection, steering wheel controls and a split-fold rear seat.


Honda Jazz

Best used car under £100 a month for versatility

Example Honda Jazz 1.2  Age 2013 / 40,000 miles
Price £5,500  Deposit £568  Monthly payments £97

The Honda Jazz has a strong reputation for reliability and is one of he most spacious superminis that you can buy.

It's not the most stylish car, or particularly exciting to drive, but is hard to beat when it comes to practicality. One of its crowning features, aside from ithe spacious interior, is its clever rear seats whose bases can be folded upright to create floor-to-ceiling standing room for tall loads.

It’s comfortable, easy to drive and more likely to keep going long after rivals have given up.


Dacia Logan

Best used car under £100 a month for practicality

Example Dacia Logan 0.9 TCe Ambiance  Age 2013 / 40,000 miles
Price £5,280  Deposit £546  Monthly payments £99

For sheer practicality at a rock-bottom price it’s impossible to beat the Dacia Logan. It already has a generous 573-litre boot with the back seats upright but fold them down and you’re looking at 1,518 litres of load space. And it’s not as if its budget price gets you a poor driving experience. The Logan is comfortable at reasonable speeds and body lean in corners is well controlled. There’s a frugal diesel engine and a choice of two petrols, our favourite being the economical but still punchy 0.9-litre turbo petrol sourced from parent company, Renault. Mid-range Ambiance trim gives the Logan’s Spartan interior a lift but don’t go looking for air conditioning. You’ll need to move up to Laureate trim for that. 

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