Motoring
7 cars you can finance for less than a weekly shop The average weekly shop is about £60, so what cars are available for less than £240 per month? To give some context to car finance deals we look at cars that are available for £240 per month, the monthly amount that figures suggest the average family spends on food and drink. Each of these deals is based on a personal contract hire (PCH) deal, where you pay an initial rental or deposit plus your monthly fee, which usually includes servicing. At the end of the agreement you return the car at no extra cost, assuming it’s in good condition and below the pre-agreed annual mileage limit. The prices here are just a guide, as monthly payments vary depending on the deposit amount. Volvo S90 £229.55 per month x 47 Initial rental: £2,065.95 Additional fees: £360 Mileage limit: 5,000p/a Total over 48 months: £13,214.80 The S90 is an ideal, fairly large, good-looking executive saloon that drives well and has a sophisticated road presence and excellent on-board technology. For low-mileage drivers, just over £13,000 across four years for a Volvo S90 is good value. Skoda Superb £212.31 per month x 35 Initial rental: £1,910.79 Additional fees: £298.80 Mileage limit: 8,000p/a Total over 36 months: £9,640.44 The Skoda Superb is a fantastic alternative to the Volvo as it’s almost £3,000 cheaper and has less restriction on distance travelled. It’s well-equipped, spacious and has a decent interior, making it perfectly practical for most families. DS 3 Crossback £134.79 per month x 17 Initial rental: £1,213.11 Additional fees: £99 Mileage limit: 5,000p/a Total over 18 months: £3,603.54 The DS 3 Crossback is a new crossover from the premium French brand, sporting quirky styling and efficient powertrains, but priced lower than rivals. Great deals are available, even paying just one month up front. The lower mileage limit is less of a concern because smaller car buyers usually travel lesser distances.
DS 3 Crossback
Hyundai Ioniq Electric £237.03 per month x 23 Initial rental: £1,422.18 Additional fees: £199 Mileage limit: 5,000p/a Total over 24 months: £7,072.87 This deal proves you can get a good, practical EV with a decent range at an affordable price. The up-front cost isn’t prohibitive, and it’s reasonably priced over the two years. When you factor in fuel savings, it makes a lot of sense. Honda Civic £171.45 per month x 47 Initial rental: £1,028.70 Additional fees: £360 Mileage limit: 5,000p/a Total over 48 months: £9,446.85 The Honda Civic is a great-to-drive small family car for those who don’t want full EV ownership. This price is for the 1.0-litre petrol, but performance is reasonable and it’s one of the best handling cars in this segment. Nissan Qashqai £181.55 per month x 47 Initial rental: £1,089.30 Mileage limit: 5,000p/a Total over 36 months: £9,622.15 The original crossover from Nissan is available with some enticing finance deals right now, with a respectable mileage limit and well-specified versions coming in below £200. Seat Ibiza £135.41 per month x 47 Initial payment: £1,218.69 Mileage limit: 8,000p/a Total over 48 months: £7,582.96 The popular Seat Ibiza supermini stands out, sporting Volkswagen Group build quality in a fun and stylish package. It’s an excellent alternative to the Fiesta. Offers correct at time of writing and are subject to change.
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