Motoring Today

Fiat 500 under £400 per month

10 used Fiat 500 listings from £95/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 currently 4 Fiat 500 models available on Motoring Today for under £400 per month, with this page updated on 16 August 2026. Representative finance for these cars is based on a 0 deposit over 60 months at 13% APR, using a Hire Purchase (HP) product. Finance is, of course, subject to status. For this budget, you can typically find a good range of used Fiat 500s, with the cheapest monthly payment for a qualifying car on this page being £163. The cash price equivalent for these models generally falls between £7,295 and £9,190. The Fiat 500 is well-known for its compact size, making it a popular choice for city driving and easy parking.

In stock
10

Live Fiat 500 listings

From / month
£95/mo

Cheapest representative quote

Monthly budget
£400

Under £400 a month

Fiat 500X
Good price

Fiat 500X

2016 Popular Star Multijet

DieselManual81,000 mi2016
Band B · £20/yr
£95/mo
£3,995
cash

Hanworth Autos Ltd·4.3 (32)· Feltham

Fiat 500X
Good price

Fiat 500X

2016 Cross Multiair

PetrolManual79,072 mi2016
ULEZ ✓Band E · £200/yr
£113/mo
£4,750
cash

JTW Motors·5.0 (68)· Stone

Fiat 500
Above market

Fiat 500

2018 Lounge

PetrolManual37,598 mi2018
£200/yr
£145/mo
£6,495
cash

Albar Autos·4.3 (20)· Mountsorrel

Fiat 500
Fair price

Fiat 500

2019 Lounge

PetrolManual42,818 mi2019
ULEZ ✓£200/yr
£163/mo
£7,295
cash

Oaktree Motor Company·4.7 (193)· Torfaen

Fiat 500
Above market

Fiat 500

2019 Star

PetrolManual66,000 mi2019
£200/yr
£163/mo
£7,295
cash

Protheroes·4.4 (73)· Market Harborough

Fiat 500
Above market

Fiat 500

2021 Lounge Mhev

PetrolManual40,864 mi2021
£200/yr
£173/mo
£7,995
cash

Maybury Car Sales·4.7 (10)· Edinburgh

Fiat 500
Above market

Fiat 500

2021 Sport Mhev

PetrolManual47,000 mi2021
£200/yr
£201/mo
£8,989
cash

Protheroes·4.4 (73)· Market Harborough

Fiat 500e
Good price

Fiat 500e

2021 Passion

ElectricAutomatic40,000 mi2021
£200/yr
£203/mo
£8,995
cash

Hanworth Autos Ltd·4.3 (32)· Feltham

Fiat 500
Good price

Fiat 500

2019 Lounge Semi-auto

PetrolAutomatic41,952 mi2019
£200/yr
£205/mo
£9,190
cash

Ezy Access·4.5 (207)· Ruislip

Fiat 500e
Fair price

Fiat 500e

2022 Icon

ElectricAutomatic15,561 mi2022
£200/yr
£260/mo
£11,621
cash

CG Motorland·4.5 (202)· Leicester

Frequently asked questions

What deposit is needed to get a Fiat 500 for under £400 a month?
Based on a representative finance example of 13% APR over 60 months HP, a £0 deposit could secure a monthly payment for some Fiat 500 models within budget. A larger deposit will typically lower your monthly payments. Finance is subject to status.
Does my credit score affect the monthly payment?
Yes, it does. The quoted rates are representative examples, and the personal Annual Percentage Rate (APR) offered to you will depend on your individual credit history and affordability checks.
Should I choose HP or PCP for a Fiat 500 within this budget?
HP means you own the car at the end of the agreement once all payments are made, whereas PCP involves a balloon payment to own the car, or you can return it or part-exchange it. Motoring Today's comprehensive PCP vs HP finance guide covers these options in full detail.