Super savers: top value cars for £90 per month

  • Get change from £90 per month with PCP car finance
  • Don’t have a huge deposit? Just £1,300 could be enough
  • Pay less than the list price to buy the car in some cases
  • Get change from £90 per month with PCP car finance
  • Don’t have a huge deposit? Just £1,300 could be enough
  • Pay less than the list price to buy the car in some cases

Less than £90 per month might give you the pick of even the most exuberant phone contracts, but rather than go for a super-spec mobile, you could actually drive a brand new car. Shop around and you don’t even have to put much down as a deposit, with just £1,300 being enough in one case to bag a sub-£90-per-month car.

We’ve rounded up four of the best PCP finance offers that are available for the price of a good night out, with deposits of £2,200 or less. Shop around and you can even find zero-percent APR and large deposit contributions, which mean you’ll have paid less than the list price if you buy the car at the end of the contract.

Find out how much you can afford to borrow with our car finance tool or take a look at this week’s top cash and finance deals.

Suzuki Celerio - £79/month

Opt for this Suzuki and you’ll not only have change from £90 each month, but you’ll have enough left for a Netflix premium subscription, Amazon Prime membership or a SIM-only mobile phone contract. The deposit is reasonable at £1,855, though you’ll need to spread payments over 48 months to get the £6,999 entry-level model for £79 per month.*

With an eager 1.0-litre petrol engine, strong claimed fuel economy of 65.7mpg and free road tax under current rules, the Celerio should cost very little to run, too, and even offers space for five. You will have to do without air-conditioning and stick to a low 6,000-mile-per-year cap, but you do get six airbags, central locking and a digital radio.

Suzuki Celerio 1.0 SZ2

Monthly cost: £79 (48 payments)

Deposit: £1,855

APR: 5.9%

Total amount payable by customer to buy car: £7,875

Total amount payable by customer if returning car: £5,647

Cash price: £6,999

Mileage allowance: 6,000 miles per year

 

Skoda Fabia - £89/month

This Skoda Fabia may cost £4,156 more than the Suzuki above, but you can get one for just £10 more per month, thanks to Skoda’s great value finance offer – and you’ll have paid £693 less overall if you give the keys back at the end of the contract.

 

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The deposit is more affordable too, at just £1,300 and APR is low at 2.8%, while a huge £2,000 deposit contribution more than outweighs the interest charged. This also means it's cheaper to buy the car using finance and the optional final payment than simply paying cash upfront.*

Skoda does offer other discounts occasionally, too, so you might even benefit from £500 of free fuel or other freebies.

Best of all, the Fabia feels like a lot of car for the money with Bluetooth, electric heated door mirrors, a digital radio and remote central locking standard. The engine is weak for the size of car, though, requiring 15.7 seconds to get to 62mph.

Skoda Fabia 1.0 60 S

Monthly cost: £89 (41 payments)

Deposit: £1,300

APR: 2.8%

Total amount payable by customer to buy car: £9,781

Total amount payable by customer if returning car: £4,954

Cash price: £11,155

Mileage allowance: 5,000 miles per year

 

Skoda Citigo - £90/month

Despite sitting below the Fabia in the Skoda range, you’ll need to put down a larger deposit and pay more each month to put a Citigo on the drive. Overall this model is great value if you buy it at the end of the contract, at a mere £8,405 - £1,376 less than the Fabia above. However, it’s actually more expensive if you return it after 41 months; to the tune of £538.*

With interest-free credit and a £1,000 deposit contribution, you’ll have paid £1,000 less than the list price if you buy the car, making this PCP scheme a savvy way to buy a Citigo.

In SE trim the Citigo includes air-conditioning, alloy wheels and split-folding rear seats, meaning it should feel a little less budget-focused than the Fabia alternative. The engine is the same but has less weight to shift, so the Citigo is faster on the 0-62mph sprint, taking 14.4 seconds.

Skoda Citigo 1.0 60 SE

Monthly cost: £90 (41 payments)

Deposit: £1,800

APR: 0%

Total amount payable by customer to buy car: £8,405

Total amount payable by customer if returning car: £5,492

Cash price: £9,405

Mileage allowance: 5,000 miles per year

 

Hyundai i10 - £90/month

The Hyundai i10 can’t compete with the other cars in this round-up for value – costing a lot more if you hand it back at the end of the term and requiring a large £2,150 deposit to get it for £90 per month – but it does come with tons of standard kit in exchange.*

With air-conditioning, cruise control, electric front and rear windows, split-folding rear seats, remote central locking and a five-year warranty, you shouldn’t feel short changed with the i10. The 1.0-litre 66hp petrol engine isn’t the most powerful, taking 14.9 seconds to amble to 62mph, but in return fuel bills should be low with 60.1mpg claimed.

Hyundai i10 1.0 SE

Monthly cost: £90 (48 payments)

Deposit: £2,150

APR: 4.9%

Total amount payable by customer to buy car: £9,414

Total amount payable by customer if returning car: £6,464

Cash price: £8,995

Mileage allowance: 8,000 miles per year

 

*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 indicative examples of some packages available this week.

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