Fair price
Fiat 500X
2016 Popular Star Multijet
DieselManual82,000 mi2016
Band B · £20/yr
£95/mo
£3,995
cash
Hanworth Autos Ltd·4.0 (28)· Feltham
Fiat 500 representative finance example
A genuine Hire Purchase quote for a 2019 Fiat 500 currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £164
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £6,995.00
- Cash deposit
- £0.00
- Total amount of credit
- £7,195.00
- Total amount payable
- £9,845.00
- Representative APR
- 13.9%
- Total charge for credit
- £2,640.00
- Fixed rate of interest pa
- 7.34%
- Option to purchase fee
- £10.00
The legal bit
OAK TREE MOTOR COMPANY WALES LIMITED is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 448152).
Dealers can introduce you to a limited number of preferred lenders and/or brokers. No advice or recommendation is made — you must decide whether the finance is right for you.
Finance is subject to status (income, employment and creditworthiness) and approval. Available to permanent UK residents aged 18 and over. Terms and conditions apply.
How Fiat 500 finance works
PCP (Personal Contract Purchase)
Lower monthly payments because a large "optional final payment" is deferred to the end. At the end you choose to pay it and keep the 500, hand it back, or part-exchange. Mileage limits apply.
How PCP works →HP (Hire Purchase)
The whole price (minus deposit) is spread over the term. Payments are usually higher than PCP, but you own the 500 outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a Fiat 500
Check your eligibility for Fiat 500 finance in about 60 seconds. It's a soft search, so it leaves no footprint on your credit file and you're under no obligation to go ahead.
Check my eligibilityFiat 500 in stock now — from £4,895
Above market
Fiat 500
2016 S
PetrolManual72,800 mi2016
Band B · £20/yr
Finance available on request
£4,895
cash
Mountsorrel Car Sales·4.9 (38)· Loughborough
Great price
Fiat 500
2018 Lounge
PetrolManual67,477 mi2018
£200/yr
£129/mo
£5,495
cash
Albar Autos·4.1 (22)· Loughborough
Fair price
Fiat 500X
2017 Popular Star
PetrolManual59,895 mi2017
Band F · £225/yr
£145/mo
£5,995
cash
Durnford Motors·4.5 (181)· Southampton
Fiat 500
2019 Lounge
PetrolManual42,818 mi2019
£200/yr
£164/mo
£6,995
cash
Oaktree Motor Company·4.7 (200)· Cwmbran
Fair price
Fiat 500X
2018 City Cross
PetrolManual54,442 mi2018
£200/yr
£181/mo
£7,795
cash
Durnford Motors·4.5 (181)· Southampton
Above market
Fiat 500
2020 Star Mhev
PetrolManual45,000 mi2020
£200/yr
£180/mo
£7,990
cash
Protheroes·4.4 (74)· Market Harborough
Above market
Fiat 500
2021 Sport Mhev
PetrolManual47,000 mi2021
£200/yr
£187/mo
£8,295
cash
Protheroes·4.4 (74)· Market Harborough
Good price
Fiat 500
2022 Dolcevita Mhev
PetrolManual22,677 mi2022
£200/yr
£186/mo
£8,757
cash
Cobalt Motors·4.5 (153)· Gosforth
Fair price
Fiat 500e
2022 Icon
ElectricAutomatic15,561 mi2022
£200/yr
£228/mo
£11,799
cash
CG Motorland·4.5 (212)· Leicester
Frequently asked questions
- How much is a Fiat 500 on finance per month?
- Finance on a used Fiat 500 starts from around £129 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked Fiat 500 deal with the full APR and totals.
- Can I get a Fiat 500 on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used Fiat 500 listings through our approved dealers. PCP keeps monthly payments lower by deferring a large "optional final payment" to the end; you then choose to pay it and keep the car, hand the car back, or part-exchange. Finance is subject to status and approval.
- PCP or HP on a Fiat 500 — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the 500 outright at the end and monthly payments are usually higher. PCP defers part of the value to a final balloon payment, so monthlies are lower but you don't automatically own the car. HP suits high-mileage drivers who want to keep the car; PCP suits lower monthly budgets and shorter ownership. Our PCP-vs-HP guide explains the trade-offs.
- Can I get Fiat 500 finance with bad credit?
- Possibly. Some of our approved dealers work with lenders that consider applicants with a poor or limited credit history, though the APR is typically higher and approval is never guaranteed. Finance is always subject to status, income and creditworthiness. See our bad-credit car finance guide before applying.
- How much deposit do I need for a Fiat 500?
- There's no fixed minimum — many Fiat 500 agreements are available with a small or even zero deposit, subject to status. A larger deposit lowers the amount you borrow and your monthly payments. The representative example on this page shows the deposit used for that specific quote.
- How much is a used Fiat 500 per month on finance?
- A used Fiat 500 can be financed from £129 per month. This is based on a representative example with no deposit over 60 months on a Hire Purchase agreement at 13% APR, and finance is subject to status.
- What deposit and APR do I need?
- The representative finance example for a Fiat 500 shows no deposit over 60 months at 13% APR. Your personal interest rate and required deposit will depend on your individual credit history and affordability assessment.
- What's the difference between HP and PCP for a Fiat 500?
- With Hire Purchase (HP), you own the Fiat 500 outright at the end of the agreement after all payments are made. Personal Contract Purchase (PCP) typically offers lower monthly payments as you don't own the car unless you pay an optional final balloon payment.
- Can I get finance on a used Fiat 500 with the price range shown?
- Yes, finance is generally available for used Fiat 500 models within the displayed price range of £5795 to £8757. Our cheapest current stock starts at £5795, which can be financed from £129 per month.