10 cars you could get on finance for £150-£250 per month

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Take a look at some real examples of how Admiral has financed 10 different used cars for £150-£250 per month.

yellow-renault-captur

Using car finance to buy a car has become increasingly popular in the UK over recent years. Almost 90% of all private new car sales were made on finance in the 12 months up to July 2018, according to the Finance & Leasing Association (FLA).

Admiral car finance has 3 different car 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 £150-£250 per month.

The car finance deal you’ll be offered will depend on a variety of factors including the age, cost and mileage of the car, 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, including 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.

Audi A1

audi-a1

Looking for a small car with a premium look and feel, plus all-important badge appeal? Thrummy three-cylinder engines don't get much better than the A1's 1.0-litre TFSI which is also capable of 67.3mpg, though the most frugal version is the 74.3mpg 1.6 TDI diesel.

Originally launched in 2010, it's well built with excellent refinement for a small car. The A1's rivals include the MINI, DS3 and Volkswagen Polo, and though space is a little tight at the back (especially headroom for taller passengers), it's aged really well.

The second generation A1 is due soon, so now could be a good time to buy the current car (pictured) at a bargain price.

Personal Contract Purchase (PCP)

Monthly amount: £166.60 (PCP)
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £13,464.80 (includes deposit of £1,200)
Price of car: £11,800
Assumed current annual mileage: 8,000
Final payment: £5,101 (which includes £1 option to purchase fee)
Deposit paid: £1,200

Loan amount: £10,600

Loan term: 44 months

Excess mileage fee: £0.09p per mile

Option to purchase fee: £1

This is based on a 40-month-old car

Hire Purchase (HP)

Monthly amount: £215.28 (HP)
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £13,134.44 (includes option to purchase fee of £1 and deposit of £2,800)
Price of car: £11,975
Assumed current annual mileage: N/A
Final payment: N/A
Deposit paid: £2,800

Loan term: 48 months

Loan amount: £9,175

Option to purchase fee: £1

This is based on a 50-month-old car

BMW 3 Series

BMW-3-Series

The BMW 3 Series has evolved over the years to become the benchmark mid-sized executive saloon when it comes to driver enjoyment and image. However, its rivals – including the Audi A4, Mercedes-Benz C-Class, Jaguar XE and Alfa Romeo Giulia – are hot on its heels.

Available as a saloon or estate (Touring), there's a good choice of petrol and diesel engines, plus a plug-in hybrid. Running costs can be especially low if you opt for the 320d EfficientDynamics Plus model – its willing 2.0-litre turbo diesel helps it onto a 0-62mph time of just eight seconds, yet can return up to 62.8mpg and emits a low 120g/km of CO2.

Maybe there could be a bit more room in the back, but frankly the 3 Series is hard to fault.

Hire Purchase (HP)

Monthly amount: £172.40

APR: 5.9%

Interest rate: 5.75%
Total amount payable: £14,345 (includes option to purchase fee of £1 and deposit of £4,000)
Price of car: £12,975
Assumed current annual mileage: N/A
Final payment: N/A
Deposit paid: £4,000

Loan term: 60 months

Loan amount: £8,975

Option to purchase fee: £1

This is based on a 62-month-old car

Unsecured loan

Monthly amount: £210.19
APR: 9.9%

Interest rate: 9.48%
Total amount payable: £12,611.40
Price of car: £10,000
Assumed current annual mileage: N/A
Final payment: N/A
Deposit paid: £0

Loan term: 60 months

Loan amount; £10,000

Ford Focus

ford-focus

Whether you go for a late third generation car (pictured) or the all-new Ford Focus (launched in 2018), you're choosing a firm family favourite.

One of Britain's best-selling cars, it's available as a hatchback or estate and its rivals include everything from the Kia Ceed, VW Golf and Vauxhall Astra to the Audi A3 and Mercedes-Benz A-Class.

Choosing between the dependable petrol and diesel engine line-up is tricky, but it will mainly come down to whether you drive shorter distances or spend most of your time munching miles on the motorway – in which case a diesel is best.

As a used car buy, the 1.0 125 EcoBoost petrol unit in Zetec trim is fun to drive; the Focus is (and always has been) a solid family hatchback choice.

Personal Contract Purchase (PCP)

Monthly amount: £244.83
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £22,423.01 (includes deposit of £5,000)
Price of car: £19,984
Assumed current annual mileage: 10,000
Final payment: £5,916 (includes £1 option to purchase fee)
Deposit paid: £5,000

Excess mileage fee: £0.09p per mile

Loan term: 48 months

Loan amount: £14,984

Option to purchase fee: £1

This is based on a 17-month-old car

Hire Purchase (HP)

Monthly amount: £227.29
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £11,183.44 (includes option to purchase fee of £1 and deposit of £3,000)
Price of car: £10,500
Assumed current annual mileage: N/A
Final payment: N/A
Deposit paid: £3,000

Loan term: 36 months

Loan amount: £7,500

Option to purchase fee: £1

This is based on a 37-month-old car

Honda Civic

honda-civic

The distinctive dart-shaped ninth generation Civic (2011-17) may have looked quirky, but it was a solid performer backed up with Honda's reputation for reliability.

Available as a five-door hatch or Tourer (estate), we'd recommend either a frugal 1.6 i-DTEC diesel engine (good for 66mpg) or the 1.8 i-VTEC petrol unit. Check out the 'magic seats' which can be folded up to allow a large storage area or down flat for extra convenience.

If you're looking for a used family car, the Civic Tourer may have the same width and wheelbase as the regular hatch, but it can lug an extra 147 litres of luggage and it's just as frugal (in diesel form especially).

The latest 10th generation car, launched in 2017, is even better, boasting radical styling, plenty of space and tech, lots of safety features and improved driving dynamics.

Hire Purchase (HP)

Monthly amount: £166.66
APR: 5.9%
Total amount payable: £10,500.60 (includes option to purchase fee of £1 and deposit of £500)
Price of car: £9,145
Assumed current annual mileage: N/A
Final payment: N/A
Deposit paid: £500

Loan term: 60 months

Loan amount: £8,645

Option to purchase fee: £1

This is based on a 128-month-old car

Range Rover Evoque

Range-Rover-Evoque

Stylish and blessed with Land Rover's legendary off-road capability, the Evoque is a premium mid-sized SUV choice battling it out with everything from the BMW X1 and Audi Q3 to the Volvo XC40 and Jaguar E-Pace.

Solidly built and practical, it's surprisingly economical if you choose the gutsy 2.0-litre diesel engine with manual gearbox and two-wheel drive which is can return up to 48.7mpg, however, CO2 emissions are 152g/km and refinement isn't class leading.

Also available as a distinctive three-door, the 4x4 version is remarkably capable when the going gets tough. If you’re buying an Evoque with towing in mind, the four-wheel drive model has a more powerful diesel engine and an automatic gearbox which has serious pulling power (up to 2,000kg).

Personal Contract Purchase (PCP)

Monthly amount: £192.57
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £22,730.95 (includes deposit of £5,000)
Price of car: £20,450
Assumed current annual mileage: 6,000
Final payment: £10,991 (includes £1 option to purchase fee)
Deposit paid: £5,000

Excess mileage fee: £0.09p per mile

Loan term: 36 months

Loan amount: £15,450

This is based on a 42-month-old car

Mercedes-Benz A-Class

Mercedes-Benz-A-Class

Looking for a classy hatchback with serious badge appeal? If so, look no further than the Mercedes-Benz A-Class.

The line-up for stylish baby Merc ranges from the frugal A 180 d with a claimed fuel economy of 80.7mpg and CO2 emissions of just 89g/km, to the blisteringly fast Mercedes-AMG A45 4MATIC, which is capable of 0-62mph in just 4.2 seconds and an electronically limited top speed of 155mph.

Sleek and sporty, it’s still one of the best-looking cars in its class which includes the Audi A3, BMW 1 Series, Infiniti Q30 and Lexus CT 200h. Quick tip: the fourth-generation car has just been launched, so now is a great time to pick up a bargain version of the outgoing A-Class.

Personal Contract Purchase (PCP)

Monthly amount: £133.31 (PCP)
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £17.296.57 (includes deposit of £5,500)
Price of car: £15,470
Assumed current annual mileage: 10,000
Final payment: £5,5314 (includes £1 option to purchase fee)
Deposit paid: £5,500

Excess mileage fee: £0.09p per mile

Loan term: 48 months

Loan amount: £9,970

This is based on a 28-month-old car

Hire Purchase (HP)

Monthly amount: £186.17
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £12,137.16 (includes option to purchase fee of £1 and deposit of £3,200)
Price of car: £11,147
Assumed current annual mileage: N/A
Final payment: N/A
Deposit paid: £3,200

Loan term: 48 months

Loan amount: £7,947

This is based on a 42-month-old car

Nissan Juke

nissan-juke

Nissan claims it created the small crossover sector with the Juke when it was launched in 2010. Its quirky looks may still divide opinion and it's not the best handling car in its class, but there's no denying the fact that it's been a huge sales success.

Dismissed by some as a supermini on stilts, rear leg and headroom is tight for adults and the boot isn't the biggest, but if it's a commanding driving position and distinctive looks you're after, then the Juke may well be for you.

Tweaked for 2018, with new styling, personalisation and technology options, our engine choice would be the DIG-T 1.2-litre petrol turbo with fuel economy of 48.7-49.6mpg and CO2 emissions of 128-130g/km.

The only diesel engine is the trusty 1.5-litre dCi, capable of 68.9-70.6mpg and CO2 emissions of 107-104g/km. Rivals include the Kia Stonic, Hyundai Kona, Renault Captur and Citroen C3 Aircross.

Personal Contract Purchase (PCP)

Monthly amount: £116.66
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £8,962.85 (includes deposit of £1,500)
Price of car: £8,070
Assumed current annual mileage: 9,000
Final payment: £3,379.75 (includes £1 option to purchase fee)
Deposit paid: £1,500

Excess mileage fee: £0.09p per mile

Loan term: 36 months

Loan amount: £6,570

This is based on a 39-month-old car

Hire Purchase (HP)

Monthly amount: £201.76 (HP)
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £10,685.48 (including option to purchase fee of £1 and deposit of £1,000)
Price of car: £9,600
Assumed current annual mileage: N/A
Final payment: N/A
Deposit paid: £1,000

Loan term: 48 months

Loan amount: £8,600

This is based on a 41-month-old car

Peugeot 2008

peugeot-2008

Originally launched in 2013, the 2008 was refreshed in 2016 and is marketed as an SUV.

The evergreen Peugeot 2008 is a stylish, well-packaged, engaging alternative in the very competitive compact crossover sector. Its rivals include the Nissan Juke and Renault Captur, plus the more recently launched Kia Stonic, Hyundai Kona and Citroen C3 Aircross.

The 2008 boasts a great range of efficient petrol and diesel engines. The new 1.5-litre BlueHDi (diesel) is a peach, returning up to 70.6mpg with CO2 emissions as low as 98g/km, while the brisk 1.2-litre PureTech 110 is our pick of the petrols (58.9mpg/110g/km). If you want sporty, then go for the top-of-the-range GT Line.

There's no 4x4 option, but Grip Control (which improves traction) is available. One note of caution, rear space for passengers is not class-leading, so make sure you give the 2008 a proper test drive.

Personal Contract Purchase (PCP)

Monthly amount: £160.95 (PCP)
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £10,208.65 (includes deposit of £543)
Price of car: £8,943
Assumed current annual mileage: 11,000
Final payment: £2,101 (includes £1 option to purchase fee)
Deposit paid: £543

Excess mileage fee: £0.09p per mile

Loan term: 48 months

Loan amount: £8,400

This is based on a 29-month-old car

Hire Purchase (HP)

Monthly amount: £227.32 (HP)
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £12,581.36 (includes option to purchase fee of £1 and deposit of £1,669)
Price of car: £11,369
Assumed current annual mileage: N/A
Final payment: N/A
Deposit paid: £1,669

Loan term: 48 months            

Loan amount: £9,700

This is based on a 12-month-old car

Renault Captur

renault-captur

Popular, practical and pleasant to drive, the classy Captur benefited from a refresh in 2017 and it's now better than ever. Battling it out in the compact crossover sector with the likes of the Nissan Juke, Kia Stonic and Citroen C3 Aircross, the Captur looks cute and is a comfortable ride.

It may not be the most entertaining car to drive, but it's good around town, it's cheap to run and comes with a four-year/100,000-mile warranty. You'll probably end up choosing between the 1.5-litre dCi diesel (better for longer trips and motorways) or the eager 0.9-litre TCe petrol, which is a great little all-rounder.

The trim is nice on the Dynamique Nav and check out the rear seats which slide backwards and forwards to free up even more space either inside the cabin or in the boot.

Hire Purchase (HP)

Monthly amount: £128.58 (HP)
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £10,172.84 (includes option to purchase fee of £1 and deposit of £4,000)
Price of car: £9,500
Assumed current annual mileage: N/A
Final payment: N/A
Deposit paid: £4,000

Loan term: 48 months

Loan amount: £5,500

This is based on a 37-month-old car

Personal Contract Purchase (PCP)

Monthly amount: £156.92 (PCP)
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £12,049.72 (includes deposit of £2,150)
Price of car: £10,790
Assumed current annual mileage: 10,000
Final payment: £3,466 (includes £1 option to purchase fee)
Deposit paid: £2,150

Excess mileage fee: £0.09p per mile

Loan term: 42 months

Loan amount: £8,640

This is based on a 17-month-old car

Skoda Octavia

skoda-octavia

A spacious family favourite, the Octavia is available as a hatchback or estate. Winner of the New Car of the Year at the Auto Trader New Car Awards 2018 and Estate Car of the Year at the 2018 Auto Express New Car Awards, it's great value and well made.

The Octavia is also comfortable and practical with bags of space inside the cabin and it boasts class-leading luggage capacity. The third-generation car was launched in 2013 and treated to an update in 2017 which left it looking slightly sharper outside and better equipped inside.

There's a great range of efficient petrol and diesel engines available, so it's more a question of whether fuel economy tops your wish list, in which case the 1.6 or 2.0 TDI are good options.

Personal Contract Purchase (PCP)

Monthly amount: £102.13 (PCP)
APR: 5.9%

Interest rate: 5.75%
Total amount payable: £12,321.11 (includes deposit of £3,600)
Price of car: £10,999
Assumed current annual mileage: 10,000
Final payment: £3,921 (includes £1 option to purchase fee)
Deposit paid: £3,600

Excess mileage fee: £0.09p per mile

Loan term: 48 months

Loan amount: £7,399

This is based on a 29-month-old car

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