Lower monthly budget

Used cars illustrated under £150 a month

Browse the cars below using the displayed deposit and 60-month illustration assumptions. These are not personalised quotes: vehicle age, mileage and lender criteria may limit available terms. Compare the total cash price and total payable before enquiring.

Choose your car

Browse our listed cars with monthly illustrations at 8.9% representative APR.

Lowest illustrated payments first. Compare deposit, term and total cost—not just the monthly figure.

2 matching vehicles

2014 BMW 1 Series, photograph 1 of 1Photos6 MonthsWarrantySport model • Great value

BMW 1 Series

2.0 116d Sport 5-door

2014 · 107,356 miles · Manual

£118.26/month

60 months · £250.00 deposit
8.9% representative APR · Illustration only

Total cash price £6,006.32

Includes £499 admin fee

View car & finance details →
2016 KIA Ceed, photograph 1 of 1Photos6 MonthsWarrantyTop spec • Reverse camera

KIA Ceed

1.6 CRDi 3

2016 · 100,897 miles · Manual

£140.50/month

60 months · £250.00 deposit
8.9% representative APR · Illustration only

Total cash price £7,089.32

Includes £499 admin fee

View car & finance details →

Stock last synchronised 2026-10-20. Prices and availability require confirmation. These are illustrations, not personalised quotes. Read vehicle warranty terms.

Want to compare a different deposit or term? Find listed used cars using your own monthly budget. The results are illustrations, not finance offers.

Nationwide Motor Finance · HQ Sourcing LtdPage updated How we prepare our information
01

Keep the whole ownership budget in view

At this budget, condition, maintenance and insurance deserve particular attention. A lower purchase price does not remove the possibility of repair costs. Check the exact car's history and the lender's age and mileage criteria before proceeding.

The collection must show the deposit, term and representative APR used to calculate each figure. If no vehicles match, we will not substitute a higher payment and describe it as below £150.

Your next step

Discuss a car and a budget that suits you.

Tell us which vehicle interests you, your comfortable monthly budget and when you need the car. This helps us prepare a useful conversation about suitable options, without a credit search at this stage.

  • Real dealership stock
  • No credit check on this form
  • England, Scotland and Wales
About 60 seconds

Request a car-finance callback

Share the essentials. Extra finance details are optional and can help us prepare.

1Your contact and buying intentRequired

Found a car elsewhere? Select the other-dealership option and have the advert link and dealer details ready for your callback.

Add finance details for a faster call Optional

These answers help the team discuss realistic options. You can also provide them by phone.

HQ Sourcing Ltd T/A Nationwide Motor Finance is authorised and regulated by the Financial Conduct Authority, FRN 1054103. We act as a credit broker, not a lender. Finance is subject to status and affordability.

We may receive commission from a finance provider following an introduction. The nature and basis will be explained before an agreement, and the amount is available on request.

No credit check at this stage · No obligation · Finance is subject to status and affordability

Helpful answers

Cars under £150 per month: common questions

Is a deposit included in the calculation?

The displayed illustration states its deposit. Check it before comparing cars; the monthly amount alone is not the complete cost.

Can the actual payment be higher?

Yes. A lender's rate, fees, deposit or term may differ from the illustration.

What should I do if nothing matches?

Review all monthly bands or ask about your budget. You do not need to increase a budget you cannot comfortably afford.

Ready when you are

Ask about a real car and a realistic monthly budget.

Choose a short callback enquiry or the full online application. Both reach our credit-broker team; neither form searches your credit file or gives a lender decision.

Call usAsk about car finance