Best new cars for under £100 per month

Looking for a new car that costs less than £100 per month? These are the best for you bucks

James Wilson
Mar 1, 2019

Scooping up a new car for less than £100 per month with no deposit is the stuff of fiction these days.

However, you can still bag a brand new car for under £100 a month, as long as you have a modest deposit to put down.

Dacia has been top of the budget hill for years now, a fact that is reflected by having two of its five-car range appears on this list. Suzuki has an excellent showing, while Ford, Fiat, Hyundai and Mitsubishi also feature.

Cars under the £100 per month mark aren’t festooned with the latest luxury motoring embellishments, but they do come with toys such as cruise control, air conditioning and even touchscreen entertainment systems.

When trying to get your head around car finance, it quite literally pays to understand your options and the jargon used. If you are at all unsure about PCP deals (the kind listed below), then take a read of our dedicated explainer article.

Best new cars for under £100 per month

1) Suzuki Swift

Our pick Suzuki Swift SZ3
Monthly payment £97.50
Deposit £2,750
Number of instalments 47
APR 0%
Optional final payment £5,069
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. From standard it receives a suite of gadgets too, like Bluetooth and electric heated door mirrors. Plus there's room for five fully grown passengers.

It also benefits from 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.
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. Dacia is owned by Renault’s, 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 a 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

Crossovers are very much in vogue, 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 alloys and not steel wheels with plastic trims.

4) Fiat 500

Fiat 500 Side

Our pick Fiat 500 1.2 Pop 3dr
Monthly payment £97.60
Deposit £3,012
Number of instalments 46
APR 0%
Optional final payment £4,211
Total cost of finance £11,810
Annual mileage limit 6,000

List price £11,810 (around £10,700 after discount)

The Fiat 500 and Mini Hatch are often put in the same boat of desirable retro-styled small cars. But while the Mini is currently on its third generation since its rebirth, the Fiat is (albeit facelifted) still on its first. 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 and with buyers able to pick up 1.2-litre Pop models for under £100 a month (with an initial payment of £3,012). Pop trim includes electric front windows, radio with AUX and USB ports and speed limiter, but sadly no air conditioning or parking sensors.
Fiat 500 buying guide

5) Hyundai i10

Our pick Hyundai i10 Go! SE
Monthly payment £99.60
Deposit £3,200
Number of instalments 36
APR 4.9%
Optional final payment £4,474
Total cost of finance £11,761
Annual mileage limit 8,000

List price £10,895 (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 Go! 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 £96.08
Deposit £2,250
Number of instalments 47
APR 6.9%
Optional final payment £5,532
Total cost of finance £12,394
Annual mileage limit 6,000

List price £10,499 (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. Buyers looking to spend no more than £100 a month can opt for the entry-level SZ3 model. The Ignis 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 rear folding seats.

7) Toyota Aygo

Our pick Toyota Aygo X
Monthly payment £100.42
Deposit £3,253.25
Number of instalments 36 
APR 4.9%
Optional final payment £3,195
Total cost of finance £9,962.95
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.

The deposit of more than £3,000 might be enough to put off some, but the APR is at least mid-table for this list.
Toyota Aygo buying guide

8) Ford KA+

Our pick Ford KA+ Zetec 1.2 Ti-VCT 85PS
Monthly payment £99
Deposit £3,322
Number of instalments 24
APR 0%
Optional final payment  £6,147
Total cost of finance £11,845
Annual mileage limit 9,000

List price £10,895

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 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 £99.99
Deposit £3,400
Number of instalments 42
APR 5.9%
Optional final payment £4,174
Total cost of finance £12,474
Annual mileage limit 6,000

List price £11,295

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 on a combined cycle.

             

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