Best used cars for under £100 per month

Cut the cost of motoring with these 10 cars that can be had from under £100 per month

BuyaCar team
Aug 12, 2022

If you're desperate to change your car but don't have thousands in your bank account ready to spend, there are plenty of affordable options with prices starting from around £100 per month. Even with used car prices at an all-time high due to a surge in demand and long wait times on new cars, BuyaCar has cars from as little as £78 per month, though if you're willing to spend a bit extra, we have 460 cars for under £150 per month.

Even on a tight budget you can find yourself in a genuinely desirable car, with low mileage and reasonable running costs, that would be out of reach if you had to have the cash to buy it outright. Below are 10 great value used cars that you can finance with only a small initial deposit. If you have a little bit more to spend, you might also be interested in the cars available for £250 per month.

In fact, as you’ll see from the list below, you could get the keys to a nearly new city car, or even a slightly older estate car on PCP finance for less than £100 per month, with a four-year contract and an 8,000-mile-per-year limit. Bear in mind that the size of your monthly payments can vary according to your credit profile and how much deposit you put down - the larger your deposit, the lower the monthly payment.

Our guides to PCP and Hire Purchase will give you all the details on the ins and outs of car finance so click on the links below to find out more, or if you're keen to take a look at what's on offer right now, read on for our take on the best used cars available for less than £100 per month.

Best cheap used cars: from £99 a month car deals no deposit

1. Ford Fiesta

Best used car under £100 per month for all-round ability

Our pick Ford Fiesta 1.25 Zetec
Used deals from £6,550
Monthly finance from £149*

If you thought the best cars would be out of reach on a budget of £100 per month, that's not the case. Yes, for this budget you may want to focus on the more affordable previous-generation Fiesta, but the older model definitely isn't past its sell-by-date. It still feels nimble and is incredibly fun to drive.

A £100-per-month budget does restrict you to the entry-level Fiesta models, but the 1.25-litre petrol engine is zippy enough in town and can cope with motorway speeds if you don't mind working the engine reasonably hard when accelerating. If you increase your monthly budget a little, you should be able to get a Fiesta with one of Ford's excellent 1.0-litre turbocharged 'EcoBoost' petrol engines. These are faster and more economical than the 1.25-litre models, so you may find that you're able to make up the difference in monthly payments with lower fuel bills.

With air-conditioning, a split-fold rear seat, alloy wheels, and attractive styling, Zetec is a popular but affordable trim level. If you can stretch the budget to afford a top-spec Titanium model, you'll have all the bells and whistles you need in a small car.


2. Volkswagen Up

Best used car under £100 per month for a feeling of quality

Our pick Volkswagen Up 1.0 Move Up
Used deals from £6,550
Monthly finance from £145*

If driving a car that feels like it will last is important to you, then the Volkswagen Up is a solid choice. It proves that small city cars don't have to be tinny and cheap-feeling. Even within this budget, the strong build quality you'd associate with larger Volkswagens remains, making it feel like you're driving something much more substantial in terms of size and price.

The Up's doors close with a satisfying thunk and its trim feels anchored for life, making this a good car to purchase second-hand. It’s good to drive, with light and accurate steering, and it also copes well with typical rough and bumpy city streets.

The basic 60hp model is nippy around town although you might want to consider the more powerful engine which offers 75hp, as this is much more refined and capable on longer journeys and faster roads.

You should also consider the Skoda Citigo and Seat Mii which are almost identical to the Up. All three are built on the same platform, but each has its own feel.


3. Fiat 500

Best used car under £100 per month for retro design

Our pick Fiat 500 1.2 Pop Star
Used deals from £5,900
Monthly finance from £114*

While the car's retro design still looks fresh and up-to-date, going for a post-2015 model is a more sensible choice. This is when Fiat updated its city car with improved in-car tech, though the engines remained unchanged until the 1.0-litre mild hybrid arrived in 2019.

The 500's small size does have its downsides. The boot is tiny, and the rear seats are tight for taller adults, making the 500 more suited to those who don't need a massive boot or are happy to put a few bits of luggage on the back seats if needed. 

Examples at this price are typically fitted with the 1.2-litre petrol engine, but there's plenty of choice when it comes to equipment levels. Most cars within this budget are entry-level 'Pop' versions, which do have a basic specification, but there are 'Pop Star' trims which come with air-conditioning that you might want to look out for.


4. DS 3

Best used car under £100 per month for striking modern looks

Our pick DS 3 1.2 PureTech Chic
Used deals from £6,000
Monthly finance from £137*

Sometimes looking good is the most important thing, and even at this low budget, you can get a car to help you do just that. Unlike the Fiat 500, above, the DS 3 looks really modern and striking, with its shark fin-shaped side panel and chiselled shape.

This bijou car is aimed at the fashion-conscious, and it certainly looks the part; with plenty of personalisation available from new, you're bound to find some pretty distinctive examples. Even the earliest versions, badged Citroen DS3, feel modern.

Over the years thousands of DS 3s have been sold, so you ought to be able to find one without too much trouble. If you like the idea of a chic, three-door hatchback, but can’t afford a Mini, we’d recommend going for one of these.


5. Vauxhall Corsa

Best used car under £100 per month for young drivers

Our pick Vauxhall Corsa 1.2 Sting
Used deals from £6,190
Monthly finance from £123*

Sometimes, all you need is a car that will get you from A to B with minimal fuss. The Vauxhall Corsa, designed to appeal to young drivers with its cheap prices and low insurance group ranking, is that car. There is perhaps no other car that represents the entry-level to car ownership more than a Corsa. It's cheap to run, easy to maintain and easy to drive.

You might want to look out for specific models with air-conditioning, as it was an optional extra from new, but Bluetooth is included in most models for connecting your phone wirelessly.

Following the launch of the new Corsa, prices for the previous version should continue to drop, making this an even better value option.


6. Hyundai i10

Best used car under £100 per month for a spacious interior in a compact car

Our pick Hyundai i10 1.0 SE
Used deals from £5,350
Monthly finance from £120*

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 being able to get one for just £100 per month makes it a bargain.

There are some decent models within budget too: SE specification includes air-conditioning and alloy wheels, while the small 1.0-litre engine is smooth and efficient. All i10 models have five doors too, so getting into the back is simple.

If you're willing to pay a little more, you should be able to make use of the remainder of this small Hyundai's standard five-year warranty, which could prove handy to get any issues fixed.


7. Renault Twingo

Best used car under £100 per month for manoeuvrability

Our pick Renault Twingo 1.0 SCe 70 Play
Used deals from £5,799
Monthly finance from £132*

If you're after something truly distinctive, one of your best £100 per month options is the Renault Twingo. For one thing, its engine is fitted in the back, rather than the front, which offers notable benefits.

Having the engine under the boot floor creates more interior space than in rivals, meaning you can actually fit four people inside with relative comfort, while allowing the steering system more space to work, giving the car a very tight turning circle. This is perfect for those who hate three-point turns, as the Twingo can often simply do a u-turn where many alternatives would have to go backwards and forwards to turn around.

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, but we'd recommend looking for a 'Play' model where possible, as these come with air-conditioning and height adjustment for the driver's seat.

Becuase the Twingo shares many of its mechanical parts with the Smart ForFour, you could consider one of these too.


8. Peugeot 208

Best used car under £100 per month for equipment

Our pick Peugeot 208 1.2 PureTech Active
Used deals from £5,800
Monthly finance from £132*

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 per month.

At this price, you can pick up a petrol-powered car in Active trim, with a touchscreen media system, digital radio, Bluetooth and alloy wheels. Diesel versions are often cheaper, meaning higher-specification Allure models are also within budget, offering climate control, sports seats, plus automatic headlights and windscreen wipers.

This is a substantial amount of tech for the price point, which blows almost everything else out of the water. We see this as one of the better value deals on this list - it's not bad to drive either. There's a new Peugeot 208 on sale now, which should drag the prices of these ones down further still, making it even better value for money.


9. Suzuki Swift

Best used car under £100 per month for headroom

Our pick Suzuki Swift 1.2 SZ2
Used deals from £7,292
Monthly finance from £141*

The Suzuki Swift is not the most obvious supermini choice but, like many underdogs, it deserves 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 all that matters less to you, you’ll be more likely to appreciate its smooth ride and comfortable interior.

SZ2 trim packs a few creature comforts including a USB connection, steering wheel controls and a split-fold rear seat. You'll need to be keen-eyed to spot a Swift within this budget, as it will definitely be pushing the upper limits in terms of price. However, find one for this price and it's a very appealing car for the money.


10. Kia Picanto

Best used car under £100 per month for value

Our pick Kia Picanto 1.0 '1'
Used deals from £5,999
Monthly finance from £116*

Best known for its 100,000-mile seven-year warranty, the build quality of the Picanto is a far cry from Kias of old. Both the 1.0-litre and 1.25-litre petrol engines promise upwards of 50mpg, and some models are even free to tax with CO2 emissions of 99g/km.

The 200-litre boot in the 2011-onwards model is an improvement on the previous model's 157-litre offering, but the high lip makes loading heavier items more difficult.

Whichever model you go for, you'll get air-conditioning and Bluetooth. More expensive models will include desirable alloy wheels, rear electric windows, cruise control and even a touchscreen with sat-nav.


*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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