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 5 Fiat 500 models available for under £400 per month on Motoring Today, updated on 15 September 2026. These used Fiat 500s are offered with a representative finance example based on a typical hire purchase (HP) agreement, featuring a 0% deposit, a 60-month term, and a 13% APR. Please note, finance is subject to status and individual dealer offers may vary. This budget range for a Fiat 500 typically starts from £129 per month. Our current stock under £400 per month includes models with cash prices ranging from £5,795 to £8,989. The Fiat 500 remains a popular choice for urban drivers due to its compact size and distinctive styling. Every listing includes a representative finance quote, ULEZ status, and a full MOT history for your peace of mind.

In stock
10

Live Fiat 500 listings

From / month
£95/mo

Cheapest representative quote

Monthly budget
£400

Under £400 a month

Fiat 500X
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
Great price

Fiat 500

2018 Lounge

PetrolManual67,477 mi2018
£200/yr
£129/mo
£5,495
cash

Albar Autos·4.3 (20)· Loughborough

Fiat 500X
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

Fiat 500

2019 Lounge

PetrolManual42,818 mi2019
£200/yr
£156/mo
£6,995
cash

Oaktree Motor Company·4.7 (198)· Cwmbran

Fiat 500
Above market

Fiat 500

2020 Star Mhev

PetrolManual45,000 mi2020
£200/yr
£180/mo
£7,990
cash

Protheroes·4.4 (74)· Market Harborough

Fiat 500X
Fair price

Fiat 500X

2018 City Cross

PetrolManual54,442 mi2018
£200/yr
£181/mo
£7,795
cash

Durnford Motors·4.5 (181)· Southampton

Fiat 500
Above market

Fiat 500

2021 Sport Mhev

PetrolManual47,000 mi2021
£200/yr
£187/mo
£8,295
cash

Protheroes·4.4 (74)· Market Harborough

Fiat 500
Good price

Fiat 500

2022 Dolcevita Mhev

PetrolManual22,677 mi2022
£200/yr
£200/mo
£8,757
cash

Cobalt Motors·4.5 (153)· Gosforth

Fiat 500e
Good price

Fiat 500e

2022 Icon

ElectricAutomatic27,000 mi2022
£200/yr
£219/mo
£9,995
cash

Hanworth Autos Ltd·4.0 (28)· Feltham

Fiat 500e
Fair price

Fiat 500e

2022 Icon

ElectricAutomatic15,561 mi2022
£200/yr
£228/mo
£11,799
cash

CG Motorland·4.5 (210)· Leicester

Frequently asked questions

What deposit is needed to get a Fiat 500 under £400 a month?
Our representative finance example for a Fiat 500 is 13% APR over 60 months with a £0 deposit. A larger deposit will typically lower your monthly payments for a Fiat 500, but finance is subject to status and a representative example does not guarantee credit or terms.
Does my credit score affect the monthly payment for a Fiat 500?
Yes, the monthly payment for a Fiat 500 can be affected by your credit score. The representative APR shown is an example, and the personal APR offered will depend on your individual credit history and the outcome of affordability checks.
Which is better for a Fiat 500, HP or PCP, for this budget?
For this budget, HP means you own the Fiat 500 outright once all payments are made, while PCP offers lower monthly payments with a balloon payment or the option to return the car at the end of the term. Motoring Today's PCP vs HP finance guide covers the differences in full detail.