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PCP finance: best new car deals for under £100 per month

  • Super savers from just £97 per month
  • Put down as little as £1,454 as a deposit
  • One crossover plus an estate in budget
  • Super savers from just £97 per month
  • Put down as little as £1,454 as a deposit
  • One crossover plus an estate in budget

Fancy a car for less than an all-singing, all-dancing Sky TV, broadband and phone bundle? It can be done. Shop around and there are some great-value PCP finance deals available, which get you the keys to a brand new car with change to spare from £100 – even if you don’t have the largest deposit to put down.

We’ve rounded up the most appealing offers that make it possible to trade in your old banger and step into a shiny new model that should cost peanuts to run and look much smarter on the drive.

If you can’t quite stretch to £100 each month, head over to our round-up of the best cars available for £90 per month plus the best value lease deals from £90 per month.

Fiat 500 PCP finance

Remember, though, that you’ll have to put down a larger deposit or spread costs over a longer period – if the manufacturer allows this – to cut a £100-per-month model down to less than £90. Check out the best deals for all budgets below:

Looking to find out 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.

Kia Picanto - £97/month

Version: Picanto 1.0 66 1

Kia Picanto PCP finance

The cheapest Kia Picanto looks sharp and offers strong claimed fuel economy of 64.2mpg – so it shouldn’t cost you much in petrol.

You also get a useful 10,000-mile-per-year allowance – so most drivers shouldn’t have to worry about excess mileage charges or having to pay more for a higher allowance.

Costs come in at £97 per month on a three-year contract with a reasonably large £2,500 deposit – meaning you get to change car sooner than with most of the cars in our lineup*.

The list of standard equipment is brief, but you do get front electric windows, remote central locking, split-folding rear seats and no fewer than six airbags. There’s also a USB port for connecting your phone to the car.

Kia Picanto 1.0 66 1

  • Monthly cost: £97 (36 payments)
  • Deposit: £2,500 (£500 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £6,004
  • Total amount payable by customer to buy car: £9,762
  • Cash price: £9,500
  • Mileage allowance: 10,000 miles per year
  • APR: 4.9%

Dacia Sandero - £99/month

Version: Sandero SCe 75 Ambiance

Dacia Sandero PCP finance

A rock bottom cash price means that the Dacia Sandero is one of the cheapest new cars you can finance – even with a recent £400 cash price hike, though this is somewhat offset by a £250 deposit contribution discount and middle-of-the-road 4.9% APR.

It’ll cost you just £99 per month with a £1,454 deposit on a three-year, 6,000-mile-per-year contract in petrol Sandero SCe 75 Ambiance form.*

For your money you get air-conditioning, Bluetooth and a digital radio thrown in. If you’re after a bit more, put down an extra £831 on the deposit – at £2,285 – and your £99 per month gets you a Laureate model.

This adds reverse parking sensors, a touchscreen media system with sat-nav, plus cruise control, a trip computer and electric heated mirrors.

Dacia Sandero SCe 75 Ambiance

  • Monthly cost: £99 (36 payments)
  • Deposit: £1,454 (£250 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £5,018
  • Total amount payable by customer to buy car: £8,238
  • Cash price: £7,795
  • Mileage allowance: 6,000 miles per year
  • APR: 4.9%

Dacia Logan MCV - £99/month

Version: Logan MCV 1.0 SCe 75 Access

Dacia Logan MCV PCP finance

If practicality is a priority, you can’t beat the Dacia Logan MCV. Based upon the Sandero above, but adding a huge estate boot, you get plenty of room for passengers and luggage.

Monthly payments weigh in at £99 on a three-year, 6,000-mile-per-year contract with a £2,282 deposit, making this a big car for tiny instalments*.

Where the Logan excels in the size stakes with its enormous boot, you get barely any standard kit in Access trim and engine performance is less impressive. The Logan is more suited to large but light loads, as the 75hp 1.0-litre non-turbocharged petrol motor in this version is likely to struggle with heavy loads.

Dacia Logan MCV 1.0 SCe 75 Access

  • Monthly cost: £99 (36 payments)
  • Deposit: £2,282 (£0 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £5,846
  • Total amount payable by customer to buy car: £9,206
  • Cash price: £8,495
  • 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:

Suzuki Ignis - £100/month

Version: Ignis 1.2 SZ3

Suzuki Ignis PCP finance

If you’re after a higher-riding model that’s easier for less mobile passengers to climb in and out of – with an almost-SUV-like feel to it – you can also get the Suzuki Ignis for a similar cost.

Monthly payments for the entry-level Ignis come in at £100 and this gets you a reasonably nippy 1.2-litre model with a £2,500 deposit (on a four-year, 8,000-mile-per-year contract).*

Those low payments are thanks to a £1,500 discount, which reduces the cash price to just £9,999, in turn shrinking your payments.

High interest charges of 5.9% APR, however, mean this isn’t the best value car overall, if you plan to make the optional final payment to buy it at the end of the contract.

Suzuki Ignis 1.2 SZ3

  • Monthly cost: £100 (48 payments)
  • Deposit: £2,500 (£0 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £7,314
  • Total amount payable by customer to buy car: £11,421
  • Cash price: £9,999
  • Mileage allowance: 8,000 miles per year
  • APR: 5.9%

Hyundai i10 - £99/month

Version: i10 1.0 66 SE

Hyundai i10 PCP finance

The Hyundai i10 shares DNA with the Kia Picanto above – with the same 1.0-litre 66hp petrol engine – but in this case you can get far more equipment on a £100-per-month budget with the same £2,500 deposit.*

Explaining the difference, you can spread i10 costs across four years – meaning lower monthly payments – so you can afford to get an SE trim model, rather than the entry-level S.

This means that standard kit now includes air-conditioning, electric rear windows, electric heated door mirrors, Bluetooth and a digital radio. Plus cruise control with a speed limiter.

As a result, this i10 should feel like a more grown up car, though you'll have to limit yourself to 6,000 miles per year to avoid excess mileage charges.

Hyundai i10 1.0 66 SE

  • Monthly cost: £99 (48 payments)
  • Deposit: £2,500 (£500 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £7,269
  • Total amount payable by customer to buy car: £10,932
  • Cash price: £10,150
  • Mileage allowance: 6,000 miles per year
  • APR: 5.9%

Have a bigger deposit? Consider Fiat 500 and Suzuki Swift

Version: Fiat 500 1.2 Pop and Suzuki Swift 1.2 SZ3

Fiat 500 £100 per month

If you’re looking for a £100 per month car, chances are you don’t have thousands to splash on a deposit. But, if you can stretch to £3,000 upfront, you could get yourself more style in the form of the retro Fiat 500 and the sharp looking Suzuki Swift.

Fiat 500 fans can get the keys to the 1.2 Pop for £100 per month on a four-year, 5,000-mile-per-year contract with a £2,784 deposit.*

That gets you 14-inch wheel covers, electrically adjustable wing mirrors, steering wheel-mounted audio controls plus seven airbags.

Suzuki Swift PCP finance

Meanwhile, put down a £3,000 deposit and the Suzuki Swift 1.2 SZ3 is available for £99 per month on a four-year, 6,000-mile-per-year contract.*

Unlike the 500, the Swift comes with five doors, a digital radio, Bluetooth and air-conditioning for a slightly lower monthly cost and a £216 larger deposit. It also has a stronger engine and should consume less petrol, with impressive 65.7mpg claimed economy.

Fiat 500 1.2 Pop

  • Monthly cost: £100 (47 payments)
  • Deposit: £2,784 (£1,000 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £7,507
  • Total amount payable by customer to buy car: £11,372
  • Cash price: £11,620
  • Mileage allowance: 5,000 miles per year
  • APR: 3.2%

Suzuki Swift 1.2 SZ3

  • Monthly cost: £99 (48 payments)
  • Deposit: £3,000 (no manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £7,773
  • Total amount payable by customer to buy car: £11,999
  • Cash price: £11,999
  • Mileage allowance: 6,000 miles per year
  • APR: 0%

*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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