Best used cars for under £100 per month

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

BuyaCar team
Mar 1, 2019

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.

Best used cars for under £100 a month

There are currently 714 cars for under £100, on a typical finance agreement, available from on BuyaCar. They are listed below by manufacturer. Click to search for deals by car brand or scroll down for our pick of the best offers.

Best used cars for under £100 per month

Ford Fiesta

Best used car under £100 a month for big car abilty

Latest Ford Fiesta deals from £5,500
Finance from £90 per month

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. If you increase your monthly budget by a fiver, you can get a Fiesta with Ford's excellent 1.0-litre turbo engine. This is faster, and more economical than the 1.25-litre engine.

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.
Ford Fiesta buying guide 

Volkswagen up!

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

Latest Volkswagen up! deals from £4,995
Finance from £79 per month

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 and accurate steering, while it also copes well with our pockmarked city streets.

The example above is nippy around town although you might want to consider the more powerful engine (badged 75PS) for longer journeys. Take up! trim is a little basic (he next one, Move up! brings air conditioning and a split-fold rear seat) but on this monthly repayment it’s hard to complain.
Volkswagen up! buying guide

Fiat 500

Best used car under £100 a month for retro design

Latest Fiat 500 deals from £4,600
Finance from £81 per month

A three-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 one.

Examples at this price typically consist of the 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.
Fiat 500 buying guide

Citroen DS 3

Best used car under £100 a month for sophistication

Latest Citroen DS 3 deals from £5,995
Finance from £100 per month

The Citroen DS 3 was known as this until 2015, when it became simply the DS 3. For your £100 a month, you won’t be able to get one of these newer models, not that you should care.

This bijou car is aimed at the fashion conscious, and it delivers on the looks. Despite being more than five years old, it still looks and feels modern. Although sales for 2018 were poor, over the years thousands have been sold, and they’re customisable too. If you like the idea of a chic, three-door hatchback, but can’t afford a Mini, we’d recommend this.
DS 3 buying guide

Vauxhall Corsa

Best used car under £100 a month for young drivers

Latest Vauxhall Corsa deals from £4,495
Finance from £72 per month

Vauxhall’s Corsa is designed to appeal to young drivers, with its cheap price, low insurance group ranking - and customisable options galore.

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.
Vauxhall Corsa buying guide

Hyundai i10

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

Latest Hyundai i10 deals from £4,464
Finance from £79 per month

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

The Hyundai i10 ticks every one of those boxes, 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 the small 1-litre engine is smooth and efficient. All i10s have five doors, so getting into the back is simple.
Hyundai i10 buying guide

Renault Twingo

Best used car under £100 a month for manoeuvrability

Latest Renault Twingo deals from £5,000
Finance from £78 per month

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 out 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.
Renault Twingo buying guide

Peugeot 208

Best used car under £100 a month for sophistication

Latest Peugeot 208 deals from £4,765
Finance from £78 per month

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.

There's an all-new 208 en route as well, which should drag the prices of these ones down further.
Peugeot 208 buying guide 

Peugeot 208 deals

Suzuki Swift

Best used car under £100 a month for headroom

Latest Suzuki Swift deals from £4,947
Finance from £87 per month

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 bumps.

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

Suzuki Swift deals          

Dacia Logan

Best used car under £100 a month for practicality

Latest Dacia Logan deals from £5,879
Finance from £92 per month

For sheer practicality at a rock-bottom price it’s nigh-on 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.
Dacia Logan buying guide

    
          

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