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Representative 19.8% APR. No impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score. ?We're partnered with Car Finance 24/7. As an Introducer Appointed Representative of Carfinance247 Limited (FCA FRN: 653019), we receive a commission if you purchase finance products through the link above. We do not provide advice or make recommendations.
*A soft search has no impact on your credit score. If you choose to proceed with a full application, a hard search will be carried out which may impact your credit score.
Fiat is one of the most affordable brands to finance in the UK. The 500 and Panda sit at the lower end of the price scale, which could mean monthly payments are among the lowest of any car on the market. Even the larger 500X and Tipo tend to be competitively priced.
The monthly cost depends on the model, the amount you borrow, the term length, and the APR you are offered. Rates start from 9.9% APR. Representative 19.8% APR.
Fiat is part of the Stellantis group (alongside Vauxhall, Peugeot, and Citroen), which may help with parts availability and servicing costs. Insurance groups on Fiat models tend to be low, which helps keep overall running costs down alongside finance payments.
Use the calculator further down this page to estimate monthly payments.
Wondering how much car finance you can get on your salary? Use our calculator to estimate monthly payments based on the car price, your credit grade and preferred term length.
Fiat is one of the most popular brands to finance in the UK. Whether you are looking at a used 500 or a used Panda, HP and PCP are both available via Brumble. Once approved, you can get your car from any verified UK dealer. Here are some of the most commonly financed Fiat models.
Fiat 500
One of the most iconic small cars on the road. Used 500s, including automatic models, tend to be affordable to finance, insure, and run.
Fiat 500X
A compact crossover based on the 500. Offers more space while keeping the 500's distinctive character.
Fiat 500e
The fully electric 500. Used 500es are starting to appear at more accessible prices as the EV market develops.
Fiat Panda
A practical city car that is generally one of the most affordable cars to finance and insure.
Fiat Tipo
A budget-friendly family hatchback and estate. Could offer a lot of car for a low monthly payment on finance.
The amount you can finance depends on your individual circumstances. Subject to status and affordability.
With HP (Hire Purchase), you make fixed monthly payments and own the Fiat at the end of the agreement. No mileage limits apply. Given Fiat's affordable pricing, HP monthly payments could be among the lowest on the market, and the total interest paid over the term relatively modest.
Find out more about HP car finance →
Fiat PCP gives you lower monthly payments than HP. At the end, you can hand the car back, pay the balloon to keep it, or use any equity towards your next car.
The Fiat 500 has a loyal following and tends to be in demand on the used market, which could mean there is potential to build equity by the end of a PCP agreement. Used car values depend on supply, demand, condition, and mileage, so this is never guaranteed.
Fiat PCP is often available on models such as the 500, 500X, Panda, and Tipo, subject to status.
Find out more about PCP car finance →
With both HP and PCP, you have the right to end the agreement early through voluntary termination or early settlement.
Both HP and PCP may be available with no deposit on many Fiat models, subject to status and affordability.
Via Brumble, you can check what options you could be eligible for with a soft search. There is no impact on your credit score. If you then choose to proceed, a hard credit search will be carried out which may impact your credit score.
Leasing and finance are different. With a lease, you never own the car. With finance, you have the option to own it.
The Fiat 500 is one of those cars people tend to form an attachment to. Many owners personalise their 500 with accessories, colour choices, and interior touches. Finance lets you do this freely, while leasing typically requires the car to be returned in its original condition.
Given Fiat's affordable pricing, the gap between lease and HP payments could be very small. With HP, you own the car at the end. With a lease, you hand it back and start paying again.
Finance also gives you the right to voluntary termination and early settlement. Leasing typically penalises early exit.
Yes. Both HP and PCP may be available on used and second hand Fiats from verified UK dealers. Via Brumble, you can finance a used Fiat from any verified dealer.
Most lenders allow the car to be up to around 14 to 16 years old at the end of the agreement, though this varies. The Fiat 500 is widely available on the used market, and its iconic design means older models are still sought after.
If you are interested in electric motoring, the Fiat 500e is the fully electric version of the 500. Used examples are starting to become available. See our hybrid and electric car finance page for more.
Check the car's history with our MOT checker and tax checker. Our Fiat reliability report covers common issues by model.
Fiat models are among the most affordable on the market, so borrowing amounts tend to be small. This may make the approval process more straightforward. A used Fiat 500 or Panda could be one of the most accessible cars to finance.
Fiat's affordability makes it a popular choice for students, first-time finance applicants, and drivers with bad credit. The smaller the amount you borrow, the more it may improve your chances of approval.
According to DVSA MOT data analysed by Brumble, Fiat has a national MOT pass rate of 67.6%, based on 0.69 million tests in the 2025 test year. The national average across all brands is 72.4%.
This places Fiat below the national average of 72.4%. This does not mean every used Fiat will have problems, but it may be worth paying particular attention to the car's service history and MOT record before committing to finance. A well-maintained example could still be a reliable choice.
The most common MOT advisory and failure items on Fiat vehicles include suspension components, exhaust emissions, and brake wear. Checking these areas before purchasing could help you avoid unexpected costs during your finance agreement.
Our free MOT checker lets you look up any vehicle's full MOT history by registration number. For a more detailed assessment, our Fiat reliability report breaks down pass rates by model, age, and mileage.
Source: Brumble analysis of DVSA anonymised MOT test results, 2025 test year. Published under Open Government Licence v3.0.
Fiat occasionally runs 0% promotions on selected new models. These promotions, sometimes described as zero interest or 0% APR, are not available all the time and not available on used cars.
Brumble's partner offers used car finance as an alternative. Rates start from 9.9% APR, subject to status.
Check your eligibility for both HP and PCP deals in minutes (Representative 19.8% APR) - with no impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score.
Check Your EligibilityThere are lots of ways to approach car finance, and the right option depends on your circumstances. Whether you have bad credit, need a no deposit option, or just want to understand PCP vs HP, we have a guide for you.
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Guide
Understand the key differences between PCP and HP finance, so you can pick the option that suits how you plan to use the car.
Guide
A plain-English overview of how car finance works in the UK, including deposit, APR, terms, and what happens at the end of the agreement.
Compare Fiat car insurance quotes from 130+ UK insurers.
Thinking of selling your car? Get a free valuation via our partnership with Motorway.
Common questions about Fiat car finance.
The Fiat 500 is one of the most affordable cars to finance. Monthly payments depend on the age, price, term, and APR. Use the calculator on this page to estimate. Representative 19.8% APR.
The 500 is a popular first car choice. It tends to sit in low insurance groups, is generally affordable to run, and is compact enough for city driving. HP and PCP may both be available on used 500s. Subject to status.
The 500e is a stylish city EV with low running costs. Used examples are appearing at more accessible prices. It is best suited to shorter urban journeys due to its range. HP and PCP may both be available. Subject to status.
Fiat reliability varies by model. The 500 and Panda are generally well-regarded for their simplicity. As with any used car, checking the MOT history before committing is always worthwhile. Our Fiat reliability report covers common issues.
It may be possible. Fiat's affordability means very small borrowing amounts, which may improve your chances. A soft search lets you check with no risk. Subject to status.
Many finance options are available with no deposit, subject to status and affordability.
Yes. Request a settlement figure from your lender at any time. With HP, you also have the right to voluntary termination once you have paid at least half of the total amount payable.
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