Ford Fiesta

Petrol

Hatchback

Trim

ST-Line 1.0 EcoBoost mHEV

List price: £23,510
Economy: 48 mpg
CO₂: 117 g/km
Insurance group: 14

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Compare ways to pay Against other cars New vs used

Typical cost by finance method

Illustrative only: uses placeholder quotes and default assumptions. Use the comparison wizard to put in your own numbers.

Cash

£5,717 per year

£476 a month · £28,587 over 5 years

Cost	Per month
Vehicle	£247
Energy / fuel	£123
Tax (VED)	£17
Insurance	£42
Breakdown cover	£5
Maintenance	£42
Total per month	£476
One-off / capital	£23,510
Total over 5 years	£28,587

Bought at 0y old for £23510
Sold after 5y for £8699

PCP

£8,222 per year

£574 a month · £24,666 over 3 years

Cost	Per month
Vehicle	£350
Energy / fuel	£123
Tax (VED)	£18
Insurance	£42
Breakdown cover	£5
Maintenance	£36
Total per month	£574
One-off / capital	£4,000
Total over 3 years	£24,666

PCP 36m @ £350/mo, £4000 deposit, £18000 GFV
If you keep the car: add £18000 balloon to TCO
Implied depreciation over hold: £11990
Warning: annual mileage 10000 exceeds PCP cap 8000

Lease (PCH)

£7,189 per year

£544 a month · £21,566 over 3 years

Cost	Per month
Vehicle	£320
Energy / fuel	£123
Tax (VED)	£18
Insurance	£42
Breakdown cover	£5
Maintenance	£36
Total per month	£544
One-off / capital	£1,980
Total over 3 years	£21,566

Lease 36m @ £320/mo, £1500 deposit
Excess mileage: 6000 mi × 8p = £480

Hire purchase

£6,215 per year

£730 a month · £31,077 over 5 years

Cost	Per month
Vehicle	£500
Energy / fuel	£123
Tax (VED)	£17
Insurance	£42
Breakdown cover	£5
Maintenance	£42
Total per month	£730
One-off / capital	£2,000
Total over 5 years	£31,077

HP 48m @ £500/mo, £2000 deposit
You own the car at the end; residual £8699 offsets cost

Salary sacrifice

£8,569 per year

£714 a month · £25,706 over 3 years

Cost	Per month
Vehicle	£591
Energy / fuel	£123
Tax (VED)	—
Insurance	—
Breakdown cover	—
Maintenance	—
BIK tax	£243
Total per month	£714
Total over 3 years	£25,706

Gross sacrifice £600/mo over 36m
BIK 31% on £23510 → £243/mo tax
Net cost £591/mo (incl BIK)
Tax/maintenance/insurance assumed bundled in sal-sac scheme