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Top seven-seaters for less than £350 per month

  • Get more seats for less money with PCP car finance
  • Pay £350 per month or less for spacious family transport
  • Spread the cost over 48 months for better value

All parents know that kids are expensive. Should the arrival of children mean that you need to get a new car though, this can stretch your bank account beyond breaking point. Thankfully, low interest rates mean that getting a new car through finance is better value than ever before – so having children doesn’t have to mean putting up with an unreliable banger.

We’ve rounded up the cars that give you the most space for your money, with plenty of seats for sprogs, cubby holes for drinks, toys and other family essentials. Less than £350 per month can get you the keys to a brand new seven-seater, while the best deals mean that you’ll pay less than the car’s list price, spread over three to four years – if you choose to buy the car at the end of the contract.

Find out how much you can afford to borrow with our car finance tool.

 

1) Fiat 500L MPW - £309/month

Some cars focus on style over substance, but the MPW isn’t one of them; instead cramming seven seats into a bulbous body that is 1cm shorter than a Ford Focus. Admittedly, the rearmost seats aren’t the biggest, but neither is the price – even for this punchy diesel model, which is capable of claimed fuel economy of 67.3mpg.

Thanks to a £1,000 deposit contribution and a hefty £2,000 discount on the list price, the 500L MPW costs just £309 per month with the same amount down as a deposit. Best of all, buy the car at the end of the PCP deal and it’s £1,640 cheaper than if you bought it outright with cash thanks to that £1,000 deposit contribution – despite relatively high 5.5 percent APR.*

Fiat 500L MPW 1.6 MultiJet 120hp Pop Star 7 seats

Monthly cost: £309 (48 payments)

Deposit: £309

APR: 5.5 percent

Total amount payable by customer: £18,565

Cash price: £20,205

Mileage allowance: 10,000 miles per year

 

2) Kia Carens - £341.78/month

The Kia Carens might not be the most obvious seven-seater on the market, but it’s an affordable, practical option for families on a budget. As with the 500L MPW, the rearmost row of seats isn’t the most spacious, but what you do get is the peace of mind of a seven-year warranty (of more interest if you decide to buy the car outright at the end of the term) and a frugal diesel motor, which returns claimed economy of 62.8mpg.

Monthly costs stand at £341.78 (with a £4,000 deposit), with APR weighing in at 4.9 percent. Buy the car outright, however, and you will end up paying more than list price. You'll actually save money by financing the car instead because Kia is no longer offering deposit contributions on this model, possibly because a facelifted version is just around the corner.*

Kia Carens 1.7 CRDi 2 7-seat

Monthly cost: £341.78 (36 payments)

Deposit: £4,000

APR: 4.9 percent

Total amount payable by customer: £22,742.83

Cash price: £20,995

Mileage allowance: 10,000 miles per year

 

3) Ford Grand C-Max - £327/month

Ford may sell the mammoth Galaxy people carrier and the sleeker but similarly large S-Max, but it’s the Grand C-Max that's the brand’s most affordable seven-seater (barring the van-based Grand Tourneo Connect). Throw in its smaller dimensions and handy sliding rear doors and the Grand C-Max is the Ford of choice for families who need plenty of space, but don’t want an enormous car.

Helping to sweeten the deal, Ford is currently offering zero-percent APR on the Grand C-Max. As a result, £327.72 per month is enough to get you behind the wheel of an economical diesel model in plush Titanium trim, though this only covers 9,000 miles of use every year.* 

Ford Grand C-Max 1.5 TDCi 120PS Titanium

Monthly cost: £327.72 (36 payments)

Deposit: £3,500

APR: Zero percent

Total amount payable by customer: £23,144.92

Cash price: £23,145

Mileage allowance: 9,000 miles per year

 

4) Citroen Grand C4 Picasso - £350/month

While larger children may complain in the back of smaller seven-seaters, that’s not the case in the Grand C4 Picasso. This Citroen carefully treads the line between offering plenty of room across three rows of seats while still being manageable from behind the wheel.

You’ll have to drop the mileage allowance down to just 6,000 miles per year to get it to the £350 per month mark, but you do get a £1,500 deposit contribution from Citroen and a 1.6-litre BlueHDi diesel engine which is punchy enough for most drivers in mid-spec Feel trim.* 

Citroen Grand C4 Picasso 1.6 BlueHDI 120 Feel

Monthly cost: £350 (36 payments)

Deposit: £3,748.24

APR: 4.9 percent

Total amount payable by customer: £25,403.24

Cash price: £24,450

Mileage allowance: 6,000 miles per year

 

5) BMW 2 Series Gran Tourer - £325/month

If you don’t cover too many miles and you’re happy going for a petrol model, the 2 Series Gran Tourer could be a good option. Despite having a small 1.5-litre engine, this model is quicker than most of its seven-seat rivals, while still being capable of reasonably strong claimed fuel economy of 53.5mpg.

Low APR charges of 2.9 percent help to cut monthly costs, as does a £1,013.14 deposit contribution from BMW. The mileage limit is a reasonable 10,000 miles per year, too.*

BMW 218i Gran Tourer Sport

Monthly cost: £325.99 (36 payments)

Deposit: £3,500 + £1,013.14 BMW deposit contribution

APR: 2.9 percent

Total amount payable by customer: £26,700.70

Cash price: £26,260

Mileage allowance: 10,000 miles per year

 

6) Volkswagen Touran - £350/month

Unlike the eye-catching Citroen Grand C4 Picasso and unusual Fiat 500L MPW, the Volkswagen Touran isn’t the most distinctive machine. Don’t think that it’s not an appealing people carrier, though. Its boxy shape means that the cabin is spacious considering its exterior dimensions, while a range of powerful but efficient engines are available.

Claimed economy stands at more than 60mpg for the 1.6-litre diesel, while the engine has sufficient muscle to handle passengers and luggage. Monthly costs are high – despite the longer-than-standard 48-month term – with steep 6.1 percent APR charges meaning £3,779 worth of interest charges if you buy the car when the contract ends.*

Volkswagen Touran 1.6 TDI 115 SE BlueMotion Technology

Monthly cost: £350 (48 payments)

Deposit: £3,327.30

APR: 6.1 percent

Total amount payable by customer: £29,039.30

Cash price: £25,260

Mileage allowance: 10,000 miles per year

 

7) Seat Alhambra - £322/month

If you’re after the biggest car for your budget, the Seat Alhambra could be it. As with the Volkswagen above, you have to spread costs over 48 months to get the Alhambra under the £350 monthly mark, but in exchange you get an even more spacious seven-seater, with the bonus of a more powerful engine, which offers greater performance.

Zero percent APR on the Alhambra makes it a much more appealing prospect, meaning you won't pay any interest charges if you choose to buy the car outright at the end of the agreement.

Seat Alhambra 2.0 TDI Ecomotive 150 SE

Monthly cost: £322.70 (48 payments)

Deposit: £3,500

APR: Zero percent

Total amount payable by customer: £29,250

Cash price: £29,250

Mileage allowance: 10,000 miles per year

 

Want to find out more about car finance? Take a look at the links below:

Eight signs of a great car finance deal

Car leasing vs car finance: to own or not to own?

How to secure a £40,000 car for £400 per month on PCP

The seven deadly sins of car finance

Great value cars for less than £90 per month

*Deals are correct at time of publication. Everyone’s financial circumstances are different and credit is not always available – Parkers cannot recommend a deal for you specifically. These deals are representative examples of some packages available this week.