Best used cars for under £150 per month

Find a car you want at a price you can afford: from superminis to SUVs among the best used cars for under £150 a month

John Evans
Aug 13, 2019

Gone are the days when your ideal car was way beyond your budget. At Buyacar, we're here to let you know that even if you have just £150 per month to spend, and a deposit of around £1,000, then you're in for a pleasant surprise. There are hundreds of perfectly respectable cars within that price range and, if you're in the market for a used car, you're unlikely to find a better deal than these.

Within this budget, you can get your hands on almost any type of second hand car. Whether you’re looking for a tall and spacious SUV, an ultra-practical seven-seater, a family car with character, or even something with a posh badge, there are examples of all these listed below. 

All of these monthly prices are based on a four-year PCP finance deal with an 8,000 mile-per year limit, but be aware that your monthly payments can vary depending on your credit score or initial deposit.

The at the end of the agreement, you either hand back the car to the dealer with nothing left to pay, assuming you've met the mileage limit or you can make the optional final payment and buy the car outright. If you are certain that would like to own the car, you can instead opt for a hire purchase agreement. Your monthly payments will be larger, but you will be paying off the full value of the car, which will become yours at the end of the contract.

Best used cars under £150 per month

There are currently 7591 cars for under £150 on a typical finance agreement available from Buyacar, we've listed 10 of the best here.

1. Skoda Octavia

Latest Skoda Octavia deals from £7,795
Monthly finance from £128

The Skoda Octavia hatchback is perhaps the epitomy of this £150 per month price range. Sure, you could spend a little more money and get yourself something a bit more upmarket, but you don't really need to, because the Octavia does pretty much everything to a very similar standard. 

Perhaps where the Octavia performas best though is in practicality. There is space everywhere, whether you're sat in the front or the back, and the boot is bigger than anything in it's class. It's ok to drive too, with strong engines and a comfortable ride courtesy of mechanical parts shared with the Volkswagen Golf.

Standard equipment is strong too, with include alloy wheels, Bluetooth connectivity and climate control, things you wouldn't expect to find on a car of this price, available across the range.

2. Volkswagen Golf

Latest Volkswagen Golf deals from £7,600
Monthly finance from £123

For less than £150 per month, you can be the owner of a Volkswagen Golf - a car that looks as if it might cost twice as much. Even if you opt for the cheapest S specification, you'll still have that legendary VW build quality and refinement, along with air conditioning, a media display, bluetooth connectivity and DAB radio.

It's most practical as a five-door, but the cheapest models tend to have three doors (two side doors and a hatchback boot). Low-priced cars often have the 1.2-litre TSI petrol engine, which offers decent, if not terribly sporty performance.

3. Dacia Duster

Latest Dacia Duster deals from £6,344
Monthly finance from £119

The Dacia Duster brings everything back to basics. It's a proven commodity at this point, as the Duster has become a hugely popular model for those who are seeking good value simplicity.

It's easy to see why. You can't argue with the price, and to be fair to the Duster, it isn't exactly primitive. It's still comfortable, and if you're able to source a Comfort or Laureate model, you get air conditioning, alloy wheels and even a radio.

There is some noticeable body roll when you're behind the wheel, but it's no deal breaker, and it does offer a decent maximum towing weight of 1,500kg should you have a trailer to pull.

4. Audi A3

Latest Audi A3 deals from £8,699
Monthly finance from £101

At the other end of the spectrum, the Audi A3 brings a whole load of quality to this list. But to get those four rings emblazened across the front of your car at this kind of price, you will need to make some technological sacrifices. 

The majority of models we found was either SE Technik or Sport trim. While you do get that all-important interior quality, and some pretty suave styling on the outside, equipment levels will suffer alongside a higher spec VW Golf. 

If the Audi badge is all you're after though, the A3 is a good way to go.

5. Vauxhall Zafira Tourer

Latest Vauxhall Zafira Tourer deals from £7,599
Monthly finance from £117

Without a doubt, this venerable seven-seater is one of the best ways to transport a large family. Fortunately, we have a selection of Zafira Tourer models available for under £150 per month on Buyacar.

Driving a Zafira Tourer isn’t the most exhilarating experience, but that's not really the point. Inside there is enough tech to keep the whole family entertained and comfortable, including a touchscreen media system, USB connectivity for your devices and air conditioning.

It is worth noting that with all seven seats in the upright position you are limited to just 152 litres of boot space (710 with the rearmost seats down), so a roof box may be required if you are taking a large amount of luggage to accompany a large number of passengers.

6. Mini Cooper

Latest Mini Cooper deals from £7,176
Monthly finance from £110

The perfect mix of a zippy engine, responsive steering, and plenty of grip makes the Mini Cooper enormous fun to drive. For less than £150 per month, you're getting plenty for your money.

Just looknig at it, the Mini stands out a mile from most of its competition, that fact it's slightly more expensive is not something you can begrudge this excellent little car. It's just as distinctive on the inside, a circular screen surround dominates the dashboard, just above retro toggle switches. The whole thing oozes quality.

This version of the Mini is best for two people, as the rear seats are cramped and boot space is limited.

7. Kia Sportage

Latest Kia Sportage deals from £8,790
Monthly finance from £141

The previous-generation Kia Sportage, which was replaced in 2016, was a best-selling family car thanks to its spacious interior and industry-leading seven-year warranty. These older (not much older) Sportage models look exceptionally good value now, with used cars still being covered by that mammoth warranty. As with other crossovers, such as the Nissan Qashqai and Peugeot 3008, the Sportage combines the comfort and low running costs of a hatchback with the extra height of an off-roader.

It is towards the budget end of this list, so dont expect class leading quality, but you will find most examples within this budget come well equipped. A good selection of diesel engines will also help to keep running costs down.

8. Nissan Juke

Latest Nissan Juke deals from £6,699
Monthly finance from £113

If nothing else, you can rest assured you will be noticed if you're driving a Nissan Juke. Even after all these years - the original Juke was launched in 2010 - it remains one of the more striking cars on the market. That fact alone has pushed it to the top of the popularity charts.

The Juke sits in a very particular niche market of 'mini-SUVs' and this gives it a very peculiar list of traits. It's not overly practical compared to something like the Kia Sportage or Vauxhall Zafira Tourer, nor has it got much room for anyone sat in the back. But it does offer that much-sought-after high driving position and a very strong range of engines. But truth be told, the reason you'd opt for the Nissan Juke is because you like the way it looks.

9. Ford Focus 

Latest Ford Focus deals from £6,703
Monthly finance from £110

The Ford Focus is an obvious choice for anyone looking for the jack-of-all-trades car. It's a practical hatchback, a family car and an excitable run-around all rolled into one. As a result, the Focus has long been the best-selling car in the UK. 

As a driver's car, the handling is spot on and the turbo-charged Ecoboost engines have plenty of power. Wherever you take it, you will be satisfied with its performance. 

Perhaps the most important aspect of the Focus is the fact it doesn't break the bank. You can pick up a well equipped Titanium model for well within the £150 per month budget.  

10. BMW 1 Series

Latest BMW 1 Series deals from £7,599
Monthly finance from £115

Here we have another upmarket brand sneaking into this very modest budget. The BMW 1 Series represents a very realistic alternative to the Audi A3, both in terms of the price, and what you get for it.

Sitting inside a 1 Series is a very entitled experience, the interior is slick and the level of quality is tangible. There's also an excellent array of frugal diesel engines within this price range.

Above all though, the 1 Series feels incredibly sporty to drive. It's nimble and responsive on those twisty country lanes, but the more powerful petrol engines such as the M140i will require a more substantial investment.

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