10 cars you could get on finance for £100-£150 per month

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Take a look at some real examples of how Admiral has financed 10 different used cars for £100-£150 per month.

volkswagen-golf

Using car finance could spread the cost of buying a car over a few years, but it could also be a great way to make models previously out of reach a reality.

We have 3 different finance options to help you get behind the wheel of a used or nearly-new car. Below are some real examples of how Admiral has financed 10 tempting used cars for £100-£150 per month.

The car finance deal you will be offered will depend on a range of factors including the price and age of the car, its mileage, loan term and the deposit you want to pay, as well as your individual circumstances.

Remember, whether you choose an unsecured loan, Hire Purchase (HP) or Personal Contract Purchase (PCP) make sure you choose a deal that’s affordable and right for you in the long term. Make sure you understand how the car finance deal works, the total amount repayable and any other fees and charges.

All prices quoted are correct at time of publishing and all opinions about the cars come from freelance motoring journalist Gareth Herincx.

BMW 1 Series

bmw-1-series

Few hatchbacks can match the BMW 1 Series for driving engagement and premium badge appeal. Add to that a classy interior and great equipment on offer and you have a fantastic car.

However, it's not perfect  rear-seat space isn't the best and some of the bigger petrol-engined versions are on the thirsty side. We suggest looking into the swift 118i (1.6-litre) petrol engine or the frugal 116d (1.5-litre) diesel which has fuel economy of 67mpg, and it's best to look into the five-door if you regularly carry passengers.

There are plenty of examples of the first generation 1 Series (2004-11) on the roads, but ideally you'll be able to stretch to the current car (pictured).

Personal Contract Purchase (PCP)

Monthly amount: £128.24
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £10,574.78
Price of car: £12,295
Assumed current annual mileage: 6,000
Final payment: £4,547.50 (which includes £1 option to purchase fee)

Deposit paid: £2,800

Loan Term: 48 months

Excess mileage fee: 9p per mile

Option to purchase fee: £1

This is based on a 32-month-old car

Hire Purchase (HP)

Monthly amount: £143.89
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £8,633.40
Price of car: £7,795

Loan Term: 60 months

This is based on a 41-month-old car
Assumed current annual mileage: N/A

Final payment: N/A (includes option to purchase fee of £1)
Deposit paid: N/A

Citroen C4 Cactus

citreon-c4-cactus

Cars don't come much quirkier than the Cactus with its Airbumps and distinctive design features inside. Launched in 2014, it received a slight facelift in 2018 and makes a great value second-hand buy. Practical and comfortable, the 1.6 BlueHDi diesel and 1.2 PureTech petrol engines are punchy and economical.

However, rear-seat headroom can be an issue for taller passengers, especially if there's a panoramic sunroof. It's also worth noting that the windows at the back do not wind down they pop out. It's hard to categorise the Cactus, but we'll say it's a crossover so competes with the likes of the Nissan Juke, Renault Captur and Kia Stonic.

Hire Purchase (HP)

Monthly amount: £144.02
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £8,641.20
Price of car: £10,795
Assumed current annual mileage: NA
Final payment: NA (includes option to purchase fee of £1)
Deposit paid: £3,500

Loan term: 60 months

This is based on a 13-month-old car

Fiat 500

fiat-500

The iconic and funky Fiat 500 is just as much fun to drive as it looks, especially if you opt for the lively 0.9 TwinAir engine which is both economical and has low emissions. On sale since 2007, the rebooted 500 has aged really well and it's common to see early examples on the road looking almost as good as new, so they make a great second-hand choice.

The Fiat 500 was treated to a minor facelift in 2016. Apart from new lights, the most important changes were upgrades to the safety and infotainment tech.

Despite its size, it's still possible to squeeze two adults in the rear seats as long as the driver and front passenger aren't too tall. Boot space is just 185 litres, expanding to 550 litres if you flip the back seats.

Hire Purchase (HP)

Monthly amount: £103.76
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £6,225.60
Price of car: £5,425
Assumed current annual mileage: N/A

Final payment: N/A (includes option to purchase fee of £1)
Deposit paid: £810

Loan term: 60 months

This is based on a 70-month-old car

Ford Fiesta

ford-fiesta-4

The UK's best-selling car of all time, the Fiesta goes from strength to strength. The seventh generation model was launched in 2017, so now is an excellent time to buy late used examples of the outgoing model (pictured), which look similar and are still cracking cars.

Try out the 1.0 EcoBoost (100 or 125PS) petrol engine if possible. Look into the Style, Zetec or Titanium if you can over the entry-level Studio. With sharp steering and excellent grip, the Fiesta has always been one of the most engaging cars in its class to drive. Like many superminis, it's not the most spacious for rear-seat passengers, though the boot is a decent size.

Personal Contract Purchase (PCP)

Monthly amount: £102.54
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £12,436.38
Price of car: £10,998
Assumed current annual mileage: 10,000
Final payment: £4,416 (includes option to purchase fee of £1)
Deposit paid: £3,200

Loan term: 48 months

This is based on a 19-month-old car

Kia Sorento

kia-sorento

The current Sorento is out of reach in this price bracket, but a second-generation car (2010-14) is a possibility. Initially there was a choice between 2.4-litre petrol and 2.2-litre diesel engines the latter coming with either a manual or auto gearbox and front or four-wheel drive. Most used examples are likely to be diesels powerful units with decent fuel economy, though not the most refined until they settle down.

The Sorento would have been sold new with Kia’s unbeatable seven-year warranty, which means that you can still have peace of mind if you buy a late-registered example. A seven-seater SUV with 4x4 for this kind of money has to be a bargain.

Hire Purchase (HP)

Monthly amount: £132.93
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £3,191.28
Price of car: £4,895

Assumed current annual mileage: N/A
Final payment: N/A (includes option to purchase fee of £1)
Deposit paid: £1,850

Loan term: 24 months

This is based on a 103-month-old car

MINI

mini

Whether you go for the second generation car (2006-14) or the current model (pictured), the MINI is funky, fun to drive  and built in Britain. However, families take note that there's not a lot of space in the back and the boot isn't class-leading either.

The 1.5-litre turbo petrol and diesel engines are both lively and efficient the latter offering economy as high as 72.4mpg. MINIs are iconic and they wear well, so used examples still look great. Competing against the Fiat 500, Ford Fiesta, Renault Clio and Skoda Fabia, it’s a classy supermini choice, available as a three or five-door.

Personal Contract Purchase (PCP)

Monthly amount: £127.95
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £9,349.90
Price of car: £9,375
Assumed current annual mileage: 8,000
Final payment: £3,336.25 (includes option to purchase fee of £1)
Deposit paid: £1,350

Excess mileage fee: 9p per mile

Option to purchase fee: £1

Loan term: 48 months

This is based on a 32-month-old car

Nissan Qashqai

nissan-qashqai

Nissan claims to have created the crossover sector in 2006 with the Qashqai and there’s no doubting its popularity. With its raised ride height and commanding driving position, it's comfortable, practical and spacious.

Now in its second generation (2013-), it looks better than ever, and there's a great engine choice the 1.2 DIG-T turbo petrol is a zippy little unit, while the 1.5 dCi diesel is capable of 74.3mpg.

Also available as a 4x4, the Qashqai was given a subtle facelift in 2017. Its growing list of rivals includes the Kia Sportage, Renault Kadjar and Hyundai Tucson. Solid family choice.

Personal Contract Purchase (PCP)

Monthly amount: £130.66
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £9,882.44
Price of car: £12,750
Assumed current annual mileage: 10,000
Final payment: £5,440 (
includes option to purchase fee of £1)

Deposit paid: £3,750

Loan term: 35 months

Excess mileage fee: 9p per mile

Option to purchase fee: £1

This is based on a 48-month-old car

Vauxhall Astra

vauxhall-astra

Good-looking, practical, comfortable and value for money, the Astra is a patriotic hatchback choice because it's built at Ellesmere Port in Cheshire. The current seventh-generation car (2015-) is the best Astra ever, boasting a combination of efficient engines and enjoyable driving experience.

If it's fuel economy you're after, the 1.6CDTi (110PS) ecoTEC diesel has a claimed fuel economy of 68.9mpg with C02 emissions as low as 107g/km. That said, the lively 1.0i petrol turbo (105PS) is a great all-rounder, managing 0-62mph in 10.5 seconds, 60.1mpg fuel economy and low 107g/km CO2 emissions.

Also available as an estate (Tourer), the Astra is worth considering, even if it doesn't enjoy the badge appeal of some rivals.

Hire Purchase (HP)

Monthly amount: £148.37
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £7,122.72
Price of car: £7,725
Assumed current annual mileage: N/A
Final payment: N/A
 (includes option to purchase fee of £1)

Deposit paid: £1,000

Loan term: 48 months

This is based on a 40-month-old car

Vauxhall Corsa

vauxhall-corsa

The Corsa isn't one of the best-selling cars in the UK for nothing. Easy to drive and spacious for its size, it's comfortable and good value for money. The fourth generation car (2014-) is the best Corsa yet, but it's up against newer, impressive competition in the supermini sector including the latest Ford Fiesta, Seat Ibiza and Nissan Micra.

We love the model powered by the eager little 1.0-litre turbo. Not only is it great fun, but it offers the best blend of economy and performance. Overall, the Corsa doesn’t possess the same driving engagement as some of its rivals, but then not all of them can match it for low running costs.

Hire Purchase (HP)

Monthly amount: £106.08
APR: 5.9% 

Interest rate: 5.75%
Total amount payable: £3,818.88
Price of car: £4,995
Assumed current annual mileage: N/A
Final payment: N/A (includes option to purchase fee of £1)

Deposit paid: £1,980

Loan term: 36 months

This is based on a 54-month-old car

Personal Contract Purchase (PCP)

Monthly amount: £149.93
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £10,446.71
Price of car: £9,250
Assumed current annual mileage: 12,000
Final payment: £3,400

Deposit paid: £1,500

Excess mileage fee: 9p per mile

Option to purchase fee: £1

Loan term: 48 months

Volkswagen Golf

volkswagen-golf

Now in its seventh generation, the evergreen VW Golf is better than ever and should be on every shortlist. A classy family hatchback with serious badge appeal, there's a great choice of efficient engines available including a punchy 1.0 TFSI turbo petrol and a frugal 1.6 TDI diesel capable of 68.9mpg.

Up against cars including the Ford Focus, Vauxhall Astra and Honda Civic, it was treated to a mild facelift in 2017. Enjoyable to drive, comfortable and refined, the Golf is hard to fault. Rear-seat space is good, while the 380-litre boot capacity expands to 1,270 litres when you fold the back seats.

Unsecured Loan

Monthly amount: £94
APR: 8.5%

Interest rate: 8.19%

Total amount payable: £5,664.80
Price of car: £8,150
Loan term: 60 months

Deposit N/A

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