Motoring Today

Audi A3 under £400 per month

4 used Audi A3 listings from £172/mo under £400 a month, with real broker quotes. Tap any "£X /mo" to see that dealer's full representative example. Finance is subject to status; terms and conditions apply.

There are 5 Audi A3 models available for under £400 per month, as of 15 September 2026. This selection typically buys models ranging in cash price from £6,495 to £17,189, with the cheapest monthly payment currently at £172. These finance examples assume a 0% deposit over 60 months at a 13% APR, commonly structured as a Hire Purchase (HP) agreement. This monthly budget allows you to explore various Audi A3 specifications. Motoring Today ensures each car comes with a representative finance example from the dealer, full MOT history, and ULEZ status clearly displayed, making it straightforward to compare options and find an A3 that fits your budget and requirements. Remember, all finance is subject to status.

In stock
4

Live Audi A3 listings

From / month
£172/mo

Cheapest representative quote

Monthly budget
£400

Under £400 a month

Audi A3
Above market

Audi A3

2013 Sportback Se Tdi

DieselManual83,000 mi2013
Band A · £20/yr
£172/mo
£6,495
cash

Protheroes·4.4 (74)· Market Harborough

Audi A3
Good price

Audi A3

2015 E-tron Sportback Semi-auto

Petrol Electric HybridAutomatic78,250 mi2015
Band A · £20/yr
£219/mo
£8,995
cash

NG9 Motors·4.5 (90)· Nottingham

Audi A3
Good price

Audi A3

2017 Sportback Sport Tfsi Semi-auto

PetrolAutomatic60,552 mi2017
£200/yr
£254/mo
£11,261
cash

AB Dealers·4.6 (235)· Feltham

Audi A3
Fair price

Audi A3

2017 Sportback E-tron

Petrol Electric HybridAutomatic45,930 mi2017
£200/yr
£264/mo
£11,699
cash

AB Dealers·4.6 (235)· Feltham

Frequently asked questions

What deposit is needed to get an Audi A3 under £400 a month?
Based on a representative example for an Audi A3, with 13% APR over 60 months HP, a £0 deposit is offered. A larger deposit will typically reduce your monthly payments further. All finance is subject to status.
Does my credit score affect the monthly payment for an Audi A3?
Yes, the advertised finance rates are representative. The personal Annual Percentage Rate (APR) and monthly payment you are offered will depend on your individual credit history and affordability checks.
Should I choose HP or PCP for an Audi A3 if my budget is under £400 a month?
HP generally means you own the Audi A3 at the end of the term after all payments, whereas PCP typically offers lower monthly payments but requires a final balloon payment or return of the car. Motoring Today's comprehensive PCP vs HP finance guide covers these options in full detail.