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Best cars under £100 a month

May 01, 2019 by

One hundred pounds doesn’t get you much these days – even a phone contract can cost that – but it will buy you a brand-spanking-new car.

Yup, we’re talking finance, of course, but with interest rates very low, paying for a new car bit-by-bit might make more sense than buying something second hand.

Why? Well, because you get the reassurance of a manufacturer’s warranty, a new car will be cheaper to run than a less-efficient older model and it’ll get the latest safety kit.

All the offers here are PCP deals so along with your monthly payment, you’ll also have to pay an initial deposit. When the deal ends you either hand the car back to the manufacturer or make the optional final payment to own it outright.

For the latest information on the best lease deals, tap the button below.

If that sounds right for you, read on for carwow’s guide to the best cars for under £100 a month 2019.

Dacia Sandero – £79 a month

The Dacia Sandero is so reasonably priced it makes taking the train look like a wanton extravagance. It’s yours for just £79 a month – the price of a single inter-city rail fare – and your money buys a car that has space for four adults and their luggage. Okay, you don’t exactly have to go over the Sandero with a fine-toothed comb to see where the money’s been saved – it looks, feels and is basic – but then, at this price, you’d expect nothing less.

Deposit: £1,161 (plus £250 Dacia contribution)
Monthly cost: 48 monthly payments of £79
Optional final payment: £2,974
Actual price of car: £6,995
Total amount you pay to buy car: £8,177
Mileage limit: 6,000 miles per annum
APR: 6.9%

Fiat 500 Pop – £87.60

With its retro styling, the Fiat 500 is cooler than Milan during fashion week. And you don’t need a supermodel’s appearance fee to pay for one either –  you can have this cutesy hatch for just £87.60 a month. The 500’s small size means it’s easy to park and its 1.2-litre petrol engine has all the performance you need in town. It looks as cool on the inside as it does on the outside, but you’ll have to put up with a tight back seat and a small boot.

Deposit: £4,550 (including £1,550 Fiat contribution)
Monthly cost: 47 monthly payments £87.40
Optional final payment: £3,999 (plus £10 fee)
Actual price of car: £12,015
Total amount you pay to buy car: £11,106
Mileage limit: 6,000 miles per annum
APR: 2.78%

Kia Picanto – £93.27

The Kia Picanto’s tiny dimensions mean it can cut through town like a red-hot knife through butter and a monthly price of £93.27 makes it a genuine alternative to public transport. It might be small but the Picanto makes good use of the space it has. Its five doors give you great access to all the seats, tall adults will just about squeeze in the back and the boot is relatively big. The 1.0-litre engine is cheap to run, even if it does feel out its depth on the motorway.

Deposit: £2,600
Monthly cost: 37 monthly payments of £98.42
Optional final payment: £4,054.50
Total amount you pay to buy car: £10,847.62
Cash price: £9,895
Mileage limit: 6,000 miles per annum
APR: 5.9%

Ford Ka+ – £94.42

The stumpy Ford Ka+ looks like a Fiesta that’s fresh from the crusher, but with the smaller size, you get a smaller price and you can have the Ka+ from as little as £94.42 with interest-free finance. Meaning you pay no more than if you bought it outright. You’ll squeeze tall friends in the back of the Ka+, just, and you also get a small boot. It’s perfect for town driving, but weedy performance means you’ll rarely test its surprisingly nimble cornering.

Deposit: £3,427
Monthly cost: 24 monthly payments of £94.42
Optional final payment: £5,957
Actual price of car: £11,650
Total amount you pay to buy car: £11,650
Mileage limit: 9,000 miles per annum
APR: 0%

Suzuki Ignis – £96.22

Okay, so you can’t get a proper SUV for £100 a month, but the Suzuki Ignis’ chunky styling and raised ride height makes it the next best thing – it costs from just £96.22 a month. The Ignis’ tiny size makes it nimble in bends, it’s easy to park and cheap to run. Despite the Ignis being small, its back seat has a tardis-like ability to fit tall adults and the boot’s also relatively big. Unfortunately, the infotainment system on the basic model is embarrassingly bad.

Deposit: £3,000
Monthly cost: £96.22
Optional final payment: £4,999
Total amount you pay to buy car: £12,617.56
Cash price: £10,849
Mileage limit: 10,000
APR: 6.9%

Suzuki Swift – £97.81

While most options here are city cars, the Suzuki’s larger dimensions grant it small-car status – giving you extra interior space for just £97.81 a month. Instead of being merely adequate, the Suzuki is genuinely comfortable for adults in the back and it’s boot’s big enough for a couple of suitcases. It’s easy to drive in town, but also comfortable on the motorway and fun on country roads, although the car’s taught suspension can be uncomfortable over bumps.

Deposit: £3,250
Monthly cost: £97.81 first payment, followed by 47 monthly payments of £97.77
Optional final payment: £4,556

Total amount payable by customer to buy car: £12,499
Cash price: £12,499
Mileage limit: 8,000
APR: 0%

Toyota Aygo x-trend – £99

The Toyota Aygo X-trend has an eye-catching contrast colour paint scheme and an infotainment screen that can mirror smartphone apps – such as Google Maps. But the best bit is that you can have it with interest-free credit for £99 a month. The Aygo’s small size makes it perfect for city driving and it’s cheap to run. Also, it’s a Toyota, so has durability that makes a sumo wrestler look fragile, which makes up for the small boot and tight back seat.

Deposit: £4,136
Monthly cost: 41 monthly payments of £99
Optional final payment: £4,770
Total amount payable by customer to buy car: £12,965
Cash price: £12,965
Mileage limit: 8,000 miles per annum
APR: 0%

Dacia Sandero Stepway – £99

With its quasi SUV styling, the Dacia Sandero Stepway is a Sandero with a sense of adventure. It comes with ‘luxuries’ that aren’t standard on the entry-level regular Sandero such as alloy wheels, air conditioning and a stereo. Sure, this is still basic motoring, but the Sandero Stepway has more space inside than any other car here, which is a luxury in itself. And you can have it for a relatively small deposit plus £99 a month.

Deposit: £1,769
Monthly cost: 48 monthly payments of £99
Optional final payment: £3,700
Total amount you pay to buy car: £10,470
Cash price: £8,995
Mileage limit: 6,000 miles per annum
APR: 6.9%

Hyundai i10 – £99.76

The Hyundai i10’s natural habit is the city. Its small size takes the stress out of driving on tight city streets and means you’ll get parked pretty much anywhere. Inside, the i10 hasn’t got the exposed metal you’d expect in a car of this price and, in part, actually feels pretty premium. It’s also practical with five doors and more space than most cars this dinky. Okay, so it isn’t great on the motorway, but you can’t have everything for less than £100 a month.

Deposit: £2,500 (Including £250 Hyundai contribution)
Monthly cost: 48 monthly payments of £99.67
Optional final payment: £2,857.50
Total amount you pay to buy car: £9,645.98
Cash price: £9,200
Mileage limit: 10,000 miles per annum
APR: 4.9%

Mitsubishi Mirage 3 – £99.78

The Mitsubishi Mirage 3 probably isn’t named after the Dassault Mirage III – the first fighter jet to achieve a horizontal speed of Mach 2 – but wouldn’t it be cool if it was? Sadly, that’s where the excitement ends because this Mirage is a relatively basic city car that’s easy to park and cheap to run. The 3 model has equipment such as auto lights and wipers, keyless entry and air-conditioning – kit no other car here has – making up for the bargain basement cabin feel.

Deposit: £3,250
Monthly cost: 42 monthly payments of £99.78
Optional final payment: £3,838 (plus £10 purchase fee)
Total amount you pay to buy car: £11,288.76
Cash price: £9,999
Mileage limit: 10,000 miles per annum
APR: 6.9%