Budget Filter

Cars Under £400/mo

20 live finance deals with monthly payments at or below £400. Ranked by total cost of borrowing, not monthly payment alone — because the cheapest monthly isn’t always the cheapest deal.

20
Deals found
9
Brands
£152
Cheapest /mo
£14,142
Lowest total cost
Other budgets: Under £200 Under £250 Under £300 Under £400 Under £500
#1
Dacia logo

Dacia Spring

Manufacturer Finance

PCP

Total Cost

£14,142

Total amount payable

Monthly

£152

36 months

APR

0%

Representative

Final Payment

£4,343

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £14,995 Deposit: £4,328 Credit: £9,815 Interest: -£853 8,000 mi/yr 8p/mile excess
View deal #1 by lowest total cost
#2
Dacia logo

Dacia Sandero

Manufacturer Finance

PCP

Total Cost

£16,373

Total amount payable

Monthly

£156

36 months

APR

7.4%

Representative

Final Payment

£7,933

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £14,765 Deposit: £2,844 Credit: £11,379 Interest: £1,608 8,000 mi/yr 8p/mile excess
View deal #2 by lowest total cost
#3

Any Personal Loan

£7,500-£25,000

Zopa

Personal Loan

Total Cost

£16,512

Total amount payable

Monthly

£344

48 months

APR

5.1%

Representative

Ownership

🔑 Own from day 1

Settlement

Flexible

OTR: £15,000 Deposit: £0 Credit: £15,000 Interest: £1,512
View deal #3 by lowest total cost
#4

Any Personal Loan

£7,500-£25,000

Barclays

Personal Loan

Total Cost

£16,704

Total amount payable

Monthly

£348

48 months

APR

5.8%

Representative

Ownership

🔑 Own from day 1

Settlement

Flexible

OTR: £15,000 Deposit: £0 Credit: £15,000 Interest: £1,704
View deal #4 by lowest total cost
#5
Dacia logo

Dacia Sandero Stepway

Manufacturer Finance

PCP

Total Cost

£17,844

Total amount payable

Monthly

£161

36 months

APR

7.4%

Representative

Final Payment

£8,954

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £16,065 Deposit: £3,094 Credit: £12,377 Interest: £1,779 8,000 mi/yr 8p/mile excess
View deal #5 by lowest total cost
#6
Citroen logo

Citroen C3

Manufacturer Finance

PCP

Total Cost

£19,454

Total amount payable

Monthly

£155

37 months

APR

7.9%

Representative

Final Payment

£9,674

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £19,050 Deposit: £4,203 Credit: £12,623 Interest: £404 8,000 mi/yr 10p/mile excess
View deal #6 by lowest total cost
#7
Fiat logo

Fiat 500 Electric

Manufacturer Finance

PCP

Total Cost

£19,789

Total amount payable

Monthly

£181

36 months

APR

0%

Representative

Final Payment

£7,580

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £20,995 Deposit: £5,907 Credit: £13,883 Interest: -£1,206 8,000 mi/yr 10p/mile excess
View deal #7 by lowest total cost
#8
Hyundai logo

Hyundai I10

Manufacturer Finance

PCP

Total Cost

£19,964

Total amount payable

Monthly

£217

36 months

APR

8.1%

Representative

Final Payment

£8,707

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £18,365 Deposit: £3,447 Credit: £13,790 Interest: £1,599 8,000 mi/yr 9p/mile excess
View deal #8 by lowest total cost
#9
Citroen logo

Citroen E C3

Manufacturer Finance

PCP

Total Cost

£20,004

Total amount payable

Monthly

£158

37 months

APR

5.9%

Representative

Final Payment

£9,798

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £19,995 Deposit: £4,549 Credit: £13,395 Interest: £9 8,000 mi/yr 10p/mile excess
View deal #9 by lowest total cost
#10
Fiat logo

Fiat Grande Panda

Manufacturer Finance

PCP

Total Cost

£20,469

Total amount payable

Monthly

£159

36 months

APR

6.9%

Representative

Final Payment

£11,098

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £18,995 Deposit: £3,837 Credit: £14,099 Interest: £1,474 8,000 mi/yr 10p/mile excess
View deal #10 by lowest total cost
#11
Hyundai logo

Hyundai I20

Manufacturer Finance

PCP

Total Cost

£20,482

Total amount payable

Monthly

£186

36 months

APR

6.9%

Representative

Final Payment

£9,169

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £20,010 Deposit: £4,626 Credit: £13,507 Interest: £472 8,000 mi/yr 9p/mile excess
View deal #11 by lowest total cost
#12
Fiat logo

Fiat Grande Panda Electric

Manufacturer Finance

PCP

Total Cost

£20,490

Total amount payable

Monthly

£164

36 months

APR

1.9%

Representative

Final Payment

£9,871

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £20,995 Deposit: £4,907 Credit: £14,882 Interest: -£505 8,000 mi/yr 10p/mile excess
View deal #12 by lowest total cost
#13
Renault logo

Renault Clio

Manufacturer Finance

PCP

Total Cost

£20,670

Total amount payable

Monthly

£175

36 months

APR

7.9%

Representative

Final Payment

£10,070

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £17,995 Deposit: £4,323 Credit: £13,547 Interest: £2,675 8,000 mi/yr 8p/mile excess
View deal #13 by lowest total cost
#14
Renault logo

Renault Captur

Manufacturer Finance

PCP

Total Cost

£20,793

Total amount payable

Monthly

£160

36 months

APR

0%

Representative

Final Payment

£10,878

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £22,495 Deposit: £4,159 Credit: £16,635 Interest: -£1,702 8,000 mi/yr 8p/mile excess
View deal #14 by lowest total cost
#15
Dacia logo

Dacia Jogger

Manufacturer Finance

PCP

Total Cost

£21,066

Total amount payable

Monthly

£197

36 months

APR

7.4%

Representative

Final Payment

£10,331

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £18,995 Deposit: £3,657 Credit: £14,631 Interest: £2,071 8,000 mi/yr 8p/mile excess
View deal #15 by lowest total cost
#16
Peugeot logo

Peugeot 208

Manufacturer Finance

PCP

Total Cost

£21,688

Total amount payable

Monthly

£191

37 months

APR

6.9%

Representative

Final Payment

£9,428

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £20,510 Deposit: £5,404 Credit: £13,871 Interest: £1,178 8,000 mi/yr 10p/mile excess
View deal #16 by lowest total cost
#17
Toyota logo

Toyota Aygo X

Manufacturer Finance

PCP

Total Cost

£22,742

Total amount payable

Monthly

£179

36 months

APR

2.9%

Representative

Final Payment

£10,170

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £21,510 Deposit: £6,329 Credit: £15,316 Interest: £1,232 8,000 mi/yr 8p/mile excess
View deal #17 by lowest total cost
#18
Dacia logo

Dacia Duster

Manufacturer Finance

PCP

Total Cost

£23,561

Total amount payable

Monthly

£199

36 months

APR

5.9%

Representative

Final Payment

£11,970

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £21,845 Deposit: £4,453 Credit: £16,567 Interest: £1,716 8,000 mi/yr 8p/mile excess
View deal #18 by lowest total cost
#19
Nissan logo

Nissan Micra

Manufacturer Finance

PCP

Total Cost

£24,233

Total amount payable

Monthly

£228

36 months

APR

8%

Representative

Final Payment

£10,878

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £22,995 Deposit: £5,157 Credit: £15,880 Interest: £1,238 8,000 mi/yr 8p/mile excess
View deal #19 by lowest total cost
#20
Renault logo

Renault 5 E Tech

Manufacturer Finance

PCP

Total Cost

£25,599

Total amount payable

Monthly

£181

36 months

APR

6.9%

Representative

Final Payment

£11,804

Optional balloon

Ownership

❓ Choose: pay balloon or return

Settlement

Flexible

OTR: £22,995 Deposit: £7,303 Credit: £15,466 Interest: £2,604 8,000 mi/yr 8p/mile excess
View deal #20 by lowest total cost