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PCP finance: best new car deals for less than £150 per month

  • Compact SUVs and spacious hatchbacks within budget
  • Pay as little as £136 per month with the best deals
  • Benefit from large deposit contribution discounts
  • Compact SUVs and spacious hatchbacks within budget
  • Pay as little as £136 per month with the best deals
  • Benefit from large deposit contribution discounts

Reckon that £150 per month won't get you much in the way of a new car on PCP finance? Think again, as you can get everything from practical and well-equipped small hatchbacks to tough-looking, high-riding SUVs.

Shop around and you can find great value offers that cut the cost of a number of £17,000 cars to less than £150 per month. We’ve picked out the most appealing models available for £150 per month with a deposit of £2,700 or less.

Dacia Duster for £150 per month

If you’ve got less to spend but still want the most bang for your buck, have a look at our roundup of the best cars for £100 per month and the top sub-£90 per month offers available now. And you can check out the best deals for all budgets below:

Looking to learn more about car finance? Watch our video guides to PCP finance, PCH leasing and Hire Purchase or visit our car finance calculator to find out how much you can afford to borrow.

Best new cars for under £150 a month 2018

SEAT Arona - £150/month

Version: Arona 1.0 TSI 95PS SE Technology

SEAT Arona PCP finance

SUV styling? Tick. Interest free credit? Tick. A list price discount? Tick. On paper, this Arona finance deal is top value, thanks to 0% APR and a £500 saving on the list price if you download a voucher.

Take advantage of this and the desirable 1.0-litre 95hp petrol model in well-equipped SE Technology form comes in at just £150 per month (on a four-year contract with a £2,650 deposit and 8,000-mile-per-year allowance).* 

This gets you a car with free metallic paint, an eight-inch touchscreen with Android Auto and Apple CarPlay, plus rear parking sensors, 17-inch alloy wheels and cruise control.

SEAT Arona 1.0 TSI 95PS SE Technology

  • Monthly cost: £150 (47 payments)
  • Deposit: £2,650 (no manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £9,697
  • Total amount payable by customer to buy car: £16,830
  • Cash price: £16,830 (after £500 discount for downloading a voucher)
  • Mileage allowance: 8,000 miles per year
  • APR: 0%

SEAT Ibiza - £150/month

Version: Ibiza 1.0 TSI 95PS FR

SEAT Ibiza PCP

If you'd rather a sporty hatchback with extra equipment, you can get the closely-related SEAT Ibiza in high-spec FR form and an identical petrol engine for the same monthly payment.

That means monthly instalments of £150 on a four-year contract with a £2,500 deposit, although you'll have to limit yourself to 5,000 miles per year.* As with the Arona above you get interest free credit plus metallic paint thrown in.

Standard equipment includes an eight-inch touchscreen system, LED headlights, 17-inch alloy wheels, cruise control, sports seats, sports suspension, electric-folding door mirrors and automatic wipers.

SEAT Ibiza 1.0 TSI 95PS FR

  • Monthly cost: £150 (47 payments)
  • Deposit: £2,500 (no manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £9,550
  • Total amount payable by customer to buy car: £16,240
  • Cash price: £16,235 (after £500 discount for downloading a voucher)
  • Mileage allowance: 5,000 miles per year
  • APR: 0%

Dacia Sandero Stepway - £136/month

Version: Dacia Sandero Stepway TCe 90 Comfort

Dacia Sandero Stepway PCP

The Dacia Sandero hatchback is the UK’s cheapest car – both for cash buyers and those using PCP finance. Opt for the jacked up Stepway version, however, and you get low prices, plus an SUV-like raised driving position.

As a result, just £136 per month on a three-year contract gets you the Sandero Stepway in range-topping Comfort form, with the most desirable turbocharged 90hp petrol engine.*

This model includes touchscreen sat-nav, rear parking sensors, cruise control, a DAB digital radio and a Bluetooth connection. The petrol engine, meanwhile, offers surprisingly strong acceleration with good claimed fuel economy.

The deposit comes in at £2,500, though the mileage allowance is relatively low, at 6,000 miles per year. However, as the monthly payments are so low, you should be able to go for a higher mileage allowance and still pay less than £150 per month.

Dacia Sandero Stepway TCe 90 Comfort

  • Monthly cost: £136 (36 payments)
  • Deposit: £2,500 (£250 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £7,396
  • Total amount payable by customer to buy car: £11,335
  • Cash price: £10,695
  • Mileage allowance: 6,000 miles per year
  • APR: 4.9%

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

Dacia Duster - £151/month

Version: Dacia Duster 1.6 SCe 115 Comfort 4x2

Dacia Duster PCP finance

The Duster is so affordable it already features in our best cars for £90 per month and best cars for £100 per month stories. However, £150 per month gets you a much more desirable model with far more standard equipment.

Put down a £2,500 deposit and the 1.6 SCe 115 Comfort is yours for £151 per month on a three-year, 6,000-mile-per-year contract. Yes, we've broken the £150-per-month budget, but you get plenty of car for your money here.*

This spacious and comfortable SUV comes with 16-inch alloy wheels, a touchscreen media system with sat-nav, DAB radio, Bluetooth, cruise control plus a rear camera with reversing sensors.

Dacia Duster 1.6 SCe 115 Comfort

  • Monthly cost: £151 (36 payments)
  • Deposit: £2,500 (£250 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £7,936
  • Total amount payable by customer to buy car: £15,164
  • Cash price: £13,545
  • Mileage allowance: 6,000 miles per year
  • APR: 6.9%

Audi A1 - £150/month

Version: Audi A1 1 1.0 TFSI SE

Audi A1 PCP finance

Fancy something a bit more upmarket for your £150 per month? If you can stretch to a £2,600 deposit, you could get this Audi A1 within budget on a four-year, 5,000-mile-per-year contract.*

Bear in mind that a new model has just been released, though, so haggle with the dealer and you should be able to get a substantial discount. Read our guide to how to haggle on car finance to get the best deal.

It may be small, but the A1 feels beautifully built and drives nicely too. Interest charges are high with 5.9% APR charged, but a £1,000 deposit contribution discount outweighs this somewhat.

Audi A1 1.0 TFSI SE

  • Monthly cost: £150 (47 payments)
  • Deposit: £2,600 (£1,000 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £9,658
  • Total amount payable by customer to buy car: £16,759
  • Cash price: £15,565
  • Mileage allowance: 5,000 miles per year
  • APR: 5.9%

Suzuki Swift - £146/month

Version: Suzuki Swift 1.0 Boosterjet SZ5

Suzuki Swift PCP finance

The Swift is not the most obvious small car, but with low cash prices, plenty of standard equipment and a punchy turbocharged petrol engine it makes plenty of sense.

Interest free credit means that you could put the Swift 1.0 Boosterjet SZ5 on your drive for £146 per month with a £2,500 deposit (on a four-year, 5,000-mile-per-year contract).* 

Standard kit includes a touchscreen media system with sat-nav plus luxuries such as keyless entry and adaptive cruise control, which automatically maintains a safe distance behind the car in front.

Suzuki Swift 1.0 Boosterjet SZ5

  • Monthly cost: £146 (48 payments)
  • Deposit: £2,500 (£0 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £9,520
  • Total amount payable by customer to buy car: £15,499
  • Cash price: £15,499
  • Mileage allowance: 5,000 miles per year
  • APR: 0%

Looking to learn more about car finance? Take a look at the articles below:

*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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