Best new cars for under £100 per month

Got a budget for a cheap new car? These bargains are certainly tempting.

Simon Ostler
Oct 30, 2019

Wondering whether you'd be able to get yourself a brand new car for less than £100 per month? Well prepare to save yourself some money because we're pleased to say that there are plenty of excellent options available to you.

With the price of new cars continually rising, the low end of the scale has become increasingly hard fought as manufacturers look enthuse those bargain hunting buyers. These prices appear even more resonable when you start spreading them over a long-term finance deal.

PCP finance has become one of the more popular ways for consumers to get hold of a new car, our simple PCP finance guide will give you the expertise to ensure you make the right choice when it comes to sealing the deal.

Read on for our list of the 10 best new cars available for less than £100 per month with a maximum deposit of £2,750. However, you could get far more car for your money if you opt for a used or even nearly new car instead. Check out our choice of used cars for less than £100 per month and find yourself some great value deals.

 

Best new cars for under £100 per month

1. Suzuki Swift

Our pick Suzuki Swift 1.2 SZ3
List price £12,999 (around £10,867 after discount)
Mileage limit 6,000

Monthly paymentsDepositDeposit contribution discountTotal amount payable if returning car when contract endsTotal amount payable if buying car when contract endsAPR
£100 x 48£2,500£750£7,300£11,7706.9%

 

The Suzuki Swift is one of the largest and most grown-up feeling cars on this list. As standard it receives a suite of gadgets like Bluetooth and electric heated door mirrors, plus enough room for five adults.

It also benefits from a gutsy 1.2-litre engine, that Suzuki says is good for 55.4mpg. With a reasonable deposit and low monthly payments this deal isn't bad but, if you choose to buy the car at the end of the contract, you will end up paying more than its cash price.

If a new model proves beyond your budget, we have plenty of used Suzuki Swift models available on BuyaCar with three-year old models from only £70 per month with just a £2,000 deposit.

Suzuki Swift buyers' guide

2. Dacia Sandero

Our pick Dacia Sandero TCe 90 Essential
List price £9,170
Mileage limit 10,000

Monthly paymentsDepositDeposit contribution discountTotal amount payable if returning car when contract endsTotal amount payable if buying car when contract endsAPR
£98 x 48£2,500£250£7,204£10,2056.9%

 

The Holy Grail of affordable new cars is the Dacia Sandero, the cheapest new car for sale in the UK. Dacia is owned by Renault, so those who have experience with Renault cars will find the interior a familiar place to be. Monthly payments of just £98 get you a surprisingly well equipped Essential model with a punchy turbocharged engine along with air-conditioning, digital radio and electric windows.

It actually presents itself rather well at this price point, and any preconceptions that the Sandero is too primitive or cheap will be quickly blown away once you get behind the wheel.

For an even cheaper option, used Dacia Sandero Essential models as little as one year old with the same 0.9-litre engine are available on BuyaCar from just £74 per month with a £2,500 deposit.

Dacia Sandero buyers' guide

3. Fiat 500

Fiat 500 Side

Our pick Fiat 500 1.2 Pop 3dr
List price £12,165
Mileage limit 9,000

Monthly paymentsDepositDeposit contribution discountTotal amount payable if returning car when contract endsTotal amount payable if buying car when contract endsAPR
£100 x 47£2,500£2,200£7,200£10,6223.0%

 

The Fiat 500 and the Mini Hatchback are the epitome of desirable retro-styled small cars. But while the Mini is currently in its third generation since being reborn in the 21st century, the Fiat is still in its first, with relatively few updates having occured in the last decade. This goes some way in explaining why the new entry-level Mini is roughly £4,000 more expensive than the equivalent 500.

A lack of updates aside, the Fiat 500 is still a popular car, with drivers able to pick up 1.2-litre Pop models for less than £100 per month. Pop trim includes electric front windows, radio with AUX and USB ports plus a speed limiter, but sadly no air-conditioning or parking sensors.

You could make even bigger savings with a one-year old Fiat 500 available on BuyaCar from just £79 per month with a £2,500 deposit.

Fiat 500 buyers' guide

4. Hyundai i10

Our pick Hyundai i10 1.0 SE
List price £10,530
Mileage limit 6,000

Monthly paymentsDepositDeposit contribution discountTotal amount payable if returning car when contract endsTotal amount payable if buying car when contract endsAPR
£99 x 49£2,500£1,000£7,350£10,5524.9%

 

The Hyundai i10 can easily be overlooked, especially by those who have experience with small Hyundai hatchbacks of yesteryear. But in 2019, it's a savvy buy, especially in SE spec. This affords you alloy wheels, a rear spoiler, a leather steering wheel, a leather wrapped gear knob, 60:40 folding rear seats, air-conditioning, cruise control, electric door mirrors, Bluetooth, Apple CarPlay, Android Auto, sat-nav and remote locking – a list of equipment that dwarfs most of the competition on this list.

Should the deposit be too much for you, there is the option of an entry-level i10 S which you can get for less than £80 per month with an identical contract. Naturally, most of this saving comes at the expense of the equipment listed above.

Even better still, you could stick with an SE model but instead go for one that's only two years old, we have plenty of these available on BuyaCar from only £68 per month with a £2,500 deposit.

Hyundai i10 buyers' guide

5. Ford Ka+

Our pick Ford Ka+ 1.2 Ti-VCT 85hp Zetec
List price £12,600 (£10,850 after discount)
Mileage limit 9,000

Monthly paymentsDepositDeposit contribution discountTotal amount payable if returning car when contract endsTotal amount payable if buying car when contract endsAPR
£99 x 24£2,327£0£4,703£10.8500%

 

The Ford Ka+ is like a younger sibling living in the shadow of a more successful brother or sister - in this case the Ford Fiesta, which has been the best selling car in the UK for years. The thing is, the Ka+ is based on the same platform as the old Fiesta (which was top of the sales charts in its day) so you are getting the basis of a cracking car for very little outlay.

This a particularly enticing offer, as you'll be getting two years of driving pleasure with DAB radio, air-conditioning and cruise control all included as standard, for less than £5,000 if you don't intend to keep it thereafter.

You could increase your savings even further with a used one. We have several Ford Ka+ deals on BuyaCar from as little as £92 per month with a £2,500 deposit for 2018 models.

Ford Ka+ buyers' guide

6. Skoda Fabia

Our pick Skoda Fabia 1.0 MPI 60hp S
List price £12,535
Mileage limit 5,000

Monthly paymentsDepositDeposit contribution discountTotal amount payable if returning car when contract endsTotal amount payable if buying car when contract endsAPR
£95 x 47£2,500£1,250£6,957£11,2850%

The Skoda Fabia has always been exceptionally good value with PCP finance, and this deal is no exception with monthly payments coming in at under £100, albeit for a pretty basic-spec model with the least powerful engine.

That doesn't mean you'll be left with little to show for you money though, even at entry level the Fabia comes with a 6.5-inch touchscreen with Bluetooth, heated door mirrors and two ISOFIX points.

Get even more car for your money with one of our used car finance deals at BuyaCar. We have virtually new Skoda Fabia models with only 10,000 miles from just £86 per month with a £2,500 deposit.

Skoda Fabia buyers' guide

 

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