Best new cars for under £100 per month

After a new car that costs less than £100 per month? These are the best for your money

James Wilson
Jul 18, 2019

Scooping up a new car for less than £100 per month with no deposit is the stuff of fiction today, as the cost of new cars continues to rise. However, you can still bag a brand new car for under the £100 mark, as long as you have a reasonable size deposit to put down.

Renault's budget brand Dacia has been top of the hill for budget friendly new cars for years now, a fact that is reflected by having two of its five-car range on this list. Suzuki makes an excellent showing, too, with the desirable Swift proving surprisingly affordable, while Ford, Fiat, Hyundai and Mitsubishi also feature.

Cars that slide under the £100 barrier won't be stuffed with the latest high-tech in-car kit, but they do come with toys such as cruise control, air-conditioning and even touchscreen media systems in several cases.

When trying to get your head around car finance, it really pays to understand your options and the jargon used. If you are at all unsure about how PCP finance works (this is the type of finance deal we've listed below), then have a look at our guide to everything you need to know about PCP finance.

Meanwhile, if you want the most car for your money, also have a look at our roundup of the best value used cars available for £100 per month.

Best new cars for under £100 per month

1) Suzuki Swift

Our pick Suzuki Swift SZ3
Monthly payment £98
Deposit £2,750
Number of instalments 47
APR 0%
Optional final payment £5,045
Total cost of finance £12,499
Annual mileage limit 6,000

List price £12,499 (around £11,054 after discount)

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 there's just about room for five fully grown passengers.

It also benefits from a gutsy 1.2-litre engine, that Suzuki says is good for 55.4mpg. The deposit is a hefty £2,750, but monthly payments are low thanks to 0% APR finance - meaning no interest is added to the cost.
Suzuki Swift buying guide

2) Dacia Sandero

Our pick Dacia Sandero Access SCe 75
Monthly payment £79
Deposit £1,161
Number of instalments 48
APR 6.9%
Optional final payment £2,974
Total cost of finance £8,177
Annual mileage limit £6,000

List price £6,995 

The Holy Grail of affordable new cars is the Dacia Sandero, as it's the cheapest new car for sale in the UK. Dacia is owned by Renault, so those who have experience with Renaults will find the interior a familiar place to be. Monthly installments of just £79 get you the entry-level Access SCe 75 model, which, if we are being perfectly honest is about a well equipped as a 1930s bathtub.

For another £20 per month (the deposit actually drops to around £800) you can move up to Essential trim which at least gets you a radio, remote locking, electric front windows and air-conditioning.
Dacia Sandero buying guide

3) Dacia Sandero Stepway

Model Essential SCe Dacia Sandero Stepway Access SCe 75
Monthly payment £99
Deposit £1,769
Number of instalments 48
APR 6.9%
Optional final payment £3,700
Total cost of finance £10,470
Annual mileage limit 6,000

List price £8,995

High-riding SUV-like crossovers are very much in fashion, which is why the Dacia Sandero Stepway exists.

Underneath the extra plastic cladding, roof bars and raised ride height the Sandero Stepway is basically the same as the normal Sandero (above). This means in Essential trim you get the same 1.0-litre engine driving the front wheels as the Sandero, but with the Stepway you do at least get alloy wheels and not steel wheels with plastic trims.

4) Fiat 500

Our pick Fiat 500 1.2 Pop 3dr
Monthly payment £99
Deposit £2,780
Number of instalments 46
APR 2.8%
Optional final payment £3,657
Total cost of finance £11,090
Annual mileage limit 6,000

List price £12,015 (around £10,700 after discount)

The Fiat 500 and the Mini Hatch are the epitome of desirable retro-styled small cars. But while the Mini is currently on its third generation since being reborn in the 21st century, the Fiat is still on its first, with relatively few updates 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.

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.
Fiat 500 buying guide

5) Hyundai i10

Our pick Hyundai i10 SE
Monthly payment £97.14
Deposit £3,000
Number of instalments 36
APR 2.5%
Optional final payment £4,235
Total cost of finance £11,232
Annual mileage limit 6,000

List price £10,405 (around £10,270 after discount)

The Hyundai i10 can easily be overlooked, especially by those who have experience with small Hyundais of yesteryear. But in 2019, it's a savvy buy, especially in SE spec. This affords you alloy wheels, a rear spoiler, leather steering wheel, 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 will save you just under £1,000. Naturally, most of this saving comes at the expense of the equipment listed above.
Hyundai i10 buying guide

6) Suzuki Ignis

Our pick Suzuki Ignis SZ3
Monthly payment £98.22
Deposit £2,500
Number of instalments 47
APR 6.9%
Optional final payment £5,545
Total cost of finance £12,760
Annual mileage limit 6,000

List price £10,849 (around £10,154 after discount)

The Suzuki Ignis is one of the funkiest cars on the market, packing a go-anywhere attitude into a tiny city car sized package. Drivers looking to spend no more than £100 per month can opt for the entry-level SZ3 model. This comes with the same 1.2-litre petrol engine found in the Swift at the top of this list, albeit with a slightly lower claimed economy of 52.4mpg.

Inside you will find air-conditioning, automatic headlights, electric front and rear windows and 60:40 folding rear seats.

7) Toyota Aygo

Our pick Toyota Aygo X
Monthly payment £99
Deposit £3,008
Number of instalments 42 
APR 4.9%
Optional final payment £3,015
Total cost of finance £10,082
Annual mileage limit 8,000

List price £9,295 (around £9,214 after discount)

The Toyota Aygo is an eye-catching city car with a distinctive ‘x’ design on its nose. It isn’t exactly what you’d call spacious in the rear seating area, but it’s more than acceptable for short journeys.

It comes with a five-year warranty too, so will still have around two-years worth if you choose to buy it outright at the end of the contract. The deposit of more than £3,000 might be enough to put off some, but the interest charges are lower than some in this list.
Toyota Aygo buying guide

8) Ford KA+

Our pick Ford KA+ Zetec 1.2 Ti-VCT 85PS
Monthly payment £100
Deposit £3,250
Number of instalments 24
APR 0%
Optional final payment £6,000
Total cost of finance £11,650
Annual mileage limit £6,000

List price £11,650

The Ford KA+ is like a younger sibling living in the shadow of a highly successful brother or sister. In this case it is the 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.

The deposit is a little on the high side, but when you consider it is roughly the price of a eight-year-old Fiesta, it seems like great value. Powering the KA+ is a 1.2-litre petrol, and inside there is DAB radio, air-conditioning and cruise control are all included as standard.
Ford KA+ buying guide

9) Suzuki Celerio

Our pick Suzuki Celerio SZ2
Monthly payment £100.61
Deposit £2,500
Number of instalments 47
APR 6.9%
Optional final payment £2,984
Total cost of finance £10,313.28
Annual mileage limit 6,000

List price £8,999 

The Celerio is Suzuki’s city car offering, so if you are planning on powering up and down the motorway you are perhaps best looking elsewhere.

Underneath the bonnet there is a 1.0-litre engine which Suzuki claims is good for nearly 60mpg – useful for keeping visits to the pumps down. Inside, DAB radio, Isofix points, electric front windows and 60:40 folding rear seats are present, as are five (yes five) cup holders.

10) Mitsubishi Mirage

Our pick Mitsubishi Mirage 3
Monthly payment £72.63
Deposit £4,000
Number of instalments 42
APR 5.9%
Optional final payment £4,174
Total cost of finance £11,224
Annual mileage limit 6,000

List price £9,999

A lot of motorists wouldn’t know a Mitsubishi Mirage if it turned up on their driveway and offered them a lift to work. That doesn’t mean that you shouldn’t consider one though. Mitsubishi is known for its reliable, rugged off-road vehicles so at least in terms of reliability, you should be in good hands with the Mirage.

Equipment wise, the Mirage 3 comes with keyless start, air-conditioning, Bluetooth and alloy wheels. Under the bonnet is a 1.2-litre petrol engine which Mitsubishi claims will return 55.4mpg.

                       

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