Hot PCP deals on hot hatchbacks

  • Performance models available for less than £180 per month
  • Pay less than the list price over three years with the best deals
  • Choose to buy car outright or return it at the end of the contract

The rise of PCP deals means that getting a new car is more affordable than ever for many drivers – and you can get more for your money than you might expect. If you have up to £250 to spend each month (plus a deposit of £2,500), you can choose from a number of sporty hatchbacks that should be cheap to run, but more importantly, fun to drive.

We’ve rounded up some of the best-value finance deals that will get you the keys to a car you’ll want to be seen in, without breaking the bank. Prices start at £175 per month (with a £2,372 deposit) for the stylish Suzuki Swift Sport, but if you’re able to put down a larger £5,000 deposit on a four-year PCP deal, you might be surprised how far that will go.

Take a look at our finance tool to see how much you can afford to borrow and keep an eye on our weekly deals page to see some of the most appealing finance deals currently available.

 

Suzuki Swift Sport – £179/month

The Suzuki Swift Sport may not be the most obvious hot hatch choice – and it’s not the fastest, taking 8.7 seconds to accelerate to 62mph – but it strikes a great balance between value and fun. With a fast-spinning 1.6-litre petrol motor and a lightweight body that helps it to dance around corners, you’ll be hard pushed to find another machine that offers so many smiles per pound.

The low list price translates to a monthly cost of £179, while interest charges are low, thanks to 2.9 percent APR. Helping to reduce the monthly cost is the fact this scheme runs over four years. Be aware that this particular agreement only allows 6,000 miles per year, so you’ll have to pay a little more if you cover more than this.*

Monthly cost: £179

Deposit: £2,439

APR: 2.9 percent

Total amount payable by customer: £15,359

List price: £14,399

 

Abarth 595 140hp – £219/month

This heated-up version of the Fiat 500 – the Abarth 595 – is just as small on the road as it is in monthly payments: £219 per month (after a tiny £219 deposit). The engine may be small, too, but the addition of a turbocharger means that the 595 can scoot to 62mph in a nippy 7.8 seconds, accompanied by a sporty engine note.

However, the combination of a relatively high APR rate of 5.2 percent* combined with a mediocre Abarth deposit contribution of £595, means the total cost if you choose to buy it outright at the end of the contract comes to £17,001 – a sizeable chunk more than the £15,440 list price. 

Monthly cost: £219

Deposit: £814

APR: 5.2 percent

Total amount payable by customer: £17,001

List price: £15,440

 

Mini Cooper S – £221/month

You might have to dig deeper to get a Mini Cooper S on the drive than the two previous models, however it is undoubtedly a more substantial machine. With a powerful 2.0-litre motor under the bonnet, the Cooper S can sprint to 62mph in a scant 6.8 seconds, though claimed economy is strong, too, at just below 50mpg.

This contract allows you to cover 10,000 miles per year, while a hefty £2,050 deposit contribution from Mini means you’ll pay £56 less than list price over the three-year term.*

Monthly cost: £221

Deposit: £2,500*

APR: 5.9 percent

Total amount payable by customer: £18,924

List price: £18,980

 

Ford Fiesta ST-2 – £251/month

It’s not unusual to find a PCP deal that will cost you less overall than simply paying in cash  if you choose to buy the car at the end of the contract. However, it’s rare to be able to save money on popular performance models, like the Fiesta ST.

Choose to buy this Ford through the company’s Options PCP offering, though, and you can save nine percent on the list price – thanks to a £1,000 discount, £700 deposit contribution and zero percent APR. The 25-month contract means you can update the car sooner than with most PCP schemes, too.* 

Best of all, the Fiesta is set up to be very engaging to drive, with a sporty-sounding turbocharged 1.6-litre engine, weighty steering and a slick gearchange.

Monthly cost: £251

Deposit: £2,500

APR: 0 percent

Total amount payable by customer: £17,195

List price: £18,895

 

Peugeot 208 GTI – £249/month

Should the Fiesta fail to float your boat, the Peugeot 208 GTi offers a similar recipe – albeit with added style inside and out – courtesy of a punchy turbocharged motor and agile handling. 

The price is also similar to the Fiesta; put down a £2,500 deposit and monthly payments just sneak under the £250-per-month mark – the contract covering you for 9,000 miles per year. Peugeot is also currently offering a substantial £1,500 discount and a £1,100 deposit contribution.*

The 208 GTi can’t quite match the Fiesta for value, however, as higher interest charges and a dearer list price means you’ll have paid an extra £2,091 over the Ford if you buy it at the end of the contract. To put this in context, though, the 208 still costs less through Peugeot’s PCP deal than if you paid cash.

Monthly cost: £250

Deposit: £2,500

APR: 4.9 percent

Total amount payable by customer: £19,286

List price: £20,065

 

Audi TT 1.8 TFSI Sport – £247/month

If style is top of your shopping list, there is a less orthodox hot hatchback available for less than £250 per month – the Audi TT. It may be a coupe with sleek lines and tiny rear seats, but it still has a large hatchback, a reasonable-size boot and can sprint to 62mph in less than seven seconds.

You will have to put down a £4,000 deposit and spread monthly payments over 48 months to get costs under £250 per month, however, but the TT boasts a chic interior and a much greater feel-good factor inside than the hatchbacks above.

Monthly cost: £247

Deposit: £4,000

APR: 6.3 percent

Total amount payable by customer: £27,864

List price: £27,585

 

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Want to find out more about car finance? Click on the links below:

Top cars for £300 per month

How to calculate the cost of car finance

Car finance: what is PCP?

Top cars that cost less through PCP finance than paying cash

10 things you need to know about PCP car finance

*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.