Super savers: top value cars for £90 per month

  • Get change from £90/month with PCP finance
  • Don’t have a huge deposit? £980 is enough
  • Choose to hand the car back or buy it outright
  • Get change from £90/month with PCP finance
  • Don’t have a huge deposit? £980 is enough
  • Choose to hand the car back or buy it outright

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 £980 being enough in one case to bag an affordable supermini.

We’ve rounded up four of the best PCP finance offers that are available for the price of a big night out, with deposits of £2,650 or less. You won’t be able to take advantage of deposit contribution discounts or 0% APR with most of these models, but you can still get a lot of car for your money.

If you don’t want the option to buy the car at the end of the finance contract, you could get even better value with PCH leasing, with some appealing lease deals from £90 per month.

Meanwhile, If you can raise your budget to £100 per month, you can benefit from interest-free credit and substantial discount contributions, meaning that you can get much more car for just £10 extra per month.

Discover the best cars for £100 per month and find out how much you can afford to borrow with our car finance tool. You can also take a look at this week’s top cash and finance deals and watch our video guides to PCP finance and PCH leasing to get to grips with which finance method is for you.

Suzuki Celerio - £87/month

Version: Celerio 1.0 SZ2

The Suzuki Celerio may be one of the UK’s cheapest cars – with prices starting at £7,499 – but this is £500 more than it was at the start of 2017. As a result, the Celerio is pricier than before, for those purchasing through cash and finance alike. However, a £2,000 deposit and a 6,000-mile-per-year contract are enough to cut monthly payments to just £87 over four years.*

With an eager 1.0-litre petrol engine and strong claimed fuel economy of 65.7mpg, the Celerio is more than nippy enough, and it should cost very little to run. Reducing costs further, Suzuki will also pay for three years’ worth of road tax for cars purchased before the end of June – saving drivers around £400. You will have to do without air-conditioning, but you do get six airbags, central locking and a digital radio.

Suzuki Celerio 1.0 SZ2
Monthly cost: £87 (48 payments)
Deposit: £2,000 (£0 manufacturer deposit contribution)
Total amount payable by customer if returning car: £6,176
Total amount payable by customer to buy car: £8,405
Cash price: £7,499
Mileage allowance: 6,000 miles per year
APR: 5.9%

Dacia Sandero - £89/month

Version: Sandero 1.0 SCe 75 Ambiance

Just £89 per month – with a low £980 deposit – gets you the keys to the Dacia Sandero on a four-year contract, thanks to a £500 deposit contribution discount. Not only do you get a car that’s a size bigger than the Celerio city car above, but you also get air conditioning, Bluetooth and a digital radio as standard.*

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Do remember, however, that the Sandero is the UK’s cheapest car, starting at £5,995, so it is Spartan inside, feeling cheap and lacking the Hyundai i10’s stylish, high-quality feel and being more basic than the Vauxhall Viva below. Also, if you plan to make the optional final payment to buy the car at the end of the contract you’d pay around £300 less overall by getting a personal loan and buying the car outright (though your monthly payments would be higher at around £135).

Dacia Sandero 1.0 SCe 75 Ambiance
Monthly cost: £89 (48 payments)
Deposit: £980
Total amount payable by customer if returning car: £5,252
Total amount payable by customer to buy car: £7,767
Cash price: £6,995
Mileage allowance: 6,000 miles per year
APR: 7.9%

Hyundai i10 - £90/month

Version: i10 1.0 66 S

While the back-to-basics Sandero offers maximum space for the money, the i10 provides the most big-car feel, with appealing styling and a plush interior compared with similarly priced rivals. You get split-folding rear seats, electric front windows and a trip computer as standard, but more importantly a five-year, unlimited mileage warranty is also included.

The small 1.0-litre petrol motor under the bonnet isn’t the most powerful, with the i10 requiring 14.9 seconds to accelerate to 62mph, but it shouldn’t cost much in fuel, either, thanks to a claimed economy figure of 60.1mpg. As a pricier car than the two above you do have to put in a bigger deposit to get this i10 for under £90 per month at £2,650.*

Hyundai i10 1.0 66 S
Monthly cost: £90 (48 payments)
Deposit: £2,650
Total amount payable by customer if returning car: £6,962
Total amount payable by customer to buy car: £9,914
Cash price: £8,995
Mileage allowance: 6,000 miles per year
APR: 4.9%

Vauxhall Viva - £90/month

Version: Viva 1.0 75 SE

If the i10 doesn’t take your fancy, the Viva costs exactly the same in deposit and monthly payments and comes with lots of standard kit for the money, including an alarm, split-folding rear seats, electric, heated wing mirrors, Bluetooth, cruise control and a trip computer.

As with the i10, you have to put down a substantial £2,650 deposit to get it within budget, however, where it stands out from the Hyundai is in the engine department. With a little additional power, this 75hp Vauxhall is quicker to accelerate to 62mph, taking 13.1 seconds, while claimed fuel economy is also better at 61.4mpg, so it should cost a little less to fuel.*

Vauxhall Viva 1.0 75 SE
Monthly cost: £90 (47 payments)
Deposit: £2,650
Total amount payable by customer if returning car: £6,885
Total amount payable by customer to buy car: £10,035
Cash price: £9,315
Mileage allowance: 5,000 miles per year
APR: 3.7%

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*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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