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

  • Super savers from just £97 per month
  • Put down as little as £1,750 as a deposit
  • Off-roaders, superminis and city cars 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, with a maximum deposit of around £2,500

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 on PCP plus the best value lease deals from £90 per month.

Dacia Duster £100 per month

Remember, though, that you’ll have to put down a larger deposit, spread costs over a longer period – if the manufacturer allows this – or sign up to a lower-mileage contract 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.

Best new cars for under £100 a month 2019

 Fiat 500 - £99/month

Best new car under £100 a month for: style

Fiat 500 PCP finance

The 500 may be hugely desirable, but it's great value too. Yes, it's been around since 2008, but this finance deal is good enough to make it worth serious consideration if you're after a stylish but affordable city car.

A substantial £1,750 deposit contribution discount slashes monthly payments down to just £99 on a four-year contract with a £2,500 deposit and 8,000-mile-per-year limit.*

Fiat 500 1.2 Pop

  • Monthly cost: £99 (47 payments)
  • Deposit: £2,500 (plus £1,750 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £7,155
  • Total amount payable by customer to buy car: £10,983
  • Cash price: £12,010
  • Mileage allowance: 8,000 miles per year
  • APR: 3.1%

Dacia Duster - £100/month

Best new car under £100 a month for: high driving position

Dacia Duster PCP finance

You can get the entry-level Dacia Duster for £100 per month with a £1,878 deposit on a four-year contract with a 6,000-mile-per-year allowance.*

While the Duster is spectacularly affordable, this basic model lacks a radio and air conditioning, so in this case you may want to spend a little more on one of the better-equipped models.

Dacia Duster 1.6 SCe 115hp Access

  • Monthly cost: £100 (48 payments)
  • Deposit: £1,878 (no manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £6,678
  • Total amount payable by customer to buy car: £11,891
  • Cash price: £9,995
  • Mileage allowance: 6,000 miles per year
  • APR: 6.9%

Suzuki Swift - £97/month

Best new car under £100 a month for: enjoyable drive

Suzuki Swift PCP

Thanks to interest-free credit and a £500 deposit contribution discount, this Swift is great value and includes five doors, a digital radio, Bluetooth, air-conditioning and 16-inch alloy wheels.

This stylish Swift could be yours for just £97 per month with a £2,750 deposit on a four-year, 6,000-mile-per-year contract.*

Suzuki Swift 1.2 Attitude

  • Monthly cost: £97 (48 payments)
  • Deposit: £2,750 (plus £500 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £7,419
  • Total amount payable by customer to buy car: £12,999
  • Cash price: £13,499
  • Mileage allowance: 6,000 miles per year
  • APR: 0%

 Skoda Fabia - £99/month

Best new car under £100 a month for: buying at the end of the contract

Skoda Fabia PCP finance

The Fabia is practical, comfortable and pleasant to drive, but it's interest-free credit plus an enormous £1,750 deposit contribution discount that make it stand out.

Thanks to these, monthly payments come in at £99 on a four-year contract with a relatively low £1,750 deposit and a useful 10,000-mile-per-year limit.*

  • Monthly cost: £99 (47 payments)
  • Deposit: £1,750 (plus £1,750 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £6,399
  • Total amount payable by customer to buy car: £10,505
  • Cash price: £12,255
  • Mileage allowance: 10,000 miles per year
  • APR: 0%

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

Dacia Sandero - £100/month

Best new car under £100 a month for: all-round ability

Dacia Sandero PCP finance

A practical cabin, punchy turbocharged petrol engine and a reasonable amount of standard kit make the Sandero a great all-rounder for £100 per month.*

Adding to this Sandero's appeal are a relatively low £2,000 deposit and a 10,000-mile-per-year allowance for this four-year contract.* 

Dacia Sandero TCe 90hp Essential

  • Monthly cost: £100 (48 payments)
  • Deposit: £2,000 (plus £250 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £6,800
  • Total amount payable by customer to buy car: £10,052
  • Cash price: £8,945
  • Mileage allowance: 10,000 miles per year
  • APR: 6.9%

Hyundai i10 - £99/month

Best new car under £100 a month for: equipment

Hyundai i10 PCP finance

The comfy i10 could be yours for £99 per month on a four-year contract, thanks to a £795 cash discount and £500 deposit contribution (four-year, 6,000-mile-per-year contract).

It may be small, but this i10 includes plenty of kit with air-con, electric front and rear windows, electric heated door mirrors, Bluetooth and a digital radio. Plus cruise control with a speed limiter.

Hyundai i10 1.0 67hp SE

  • Monthly cost: £99 (48 payments)
  • Deposit: £2,600 (plus £500 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £7,368
  • Total amount payable by customer to buy car: £10,978
  • Cash price: £10,400 (after £795 discount)
  • Mileage allowance: 6,000 miles per year
  • APR: 4.9%

Kia Picanto - £100/month

Best new car under £100 a month for: seven-year warranty

Kia Picanto

Costs for this Kia come in at £100 per month on a three-year contract with a 8,000-mile-per-year allowance. You will need to put down a £2,500 deposit, however.*

The standard equipment list is brief, but you do get front electric windows, remote central locking, split-folding rear seats and six airbags. Plus a USB port to connect your phone to the car.

Kia Picanto 1.0 67hp 1

  • Monthly cost: £100 (36 payments)
  • Deposit: £2,500 (plus £650 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £6,092
  • Total amount payable by customer to buy car: £10,003
  • Cash price: £9,720
  • Mileage allowance: 8,000 miles per year
  • APR: 5.9%

Suzuki Ignis - £100/month

Best new car under £100 a month for: quirky looks

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.

Monthly payments come in at £100 and this gets you a reasonably nippy 1.2-litre model with a £2,500 deposit (on a four-year, 10,000-mile-per-year contract).*

Suzuki Ignis 1.2 SZ3

  • Monthly cost: £100 (48 payments)
  • Deposit: £2,500 (no manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £7,291
  • Total amount payable by customer to buy car: £12,288
  • Cash price: £10,499 (after £1,350 discount)
  • Mileage allowance: 10,000 miles per year
  • APR: 6.9%

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.