Ad closing in seconds...

Car finance: best new cars for £100 per month

  • Super savers from just £99 per month
  • Put down as little as £1,316 as a deposit
  • One crossover plus an estate in budget
  • Super savers from just £99 per month
  • Put down as little as £1,316 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.

Hyundai i10 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 - £100/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 reasonable 9,000-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 £100 per month on a three-year contract with a reasonably large £2,500 deposit – much more than with several of the Dacia alternatives below.*

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: £100 (36 payments)
  • Deposit: £2,500 (£500 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £6,094
  • Total amount payable by customer to buy car: £9,697
  • Cash price: £9,450
  • Mileage allowance: 9,000 miles per year
  • APR: 4.9%

Hyundai i10 - £100/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 and you'll be able to cover a few more miles, too, with 10,000 miles per year included.

Hyundai i10 1.0 66 SE

  • Monthly cost: £100 (48 payments)
  • Deposit: £2,500 (£500 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £7,299
  • Total amount payable by customer to buy car: £10,504
  • Cash price: £9,995
  • Mileage allowance: 10,000 miles per year
  • APR: 4.9%

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

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 no deposit contribution discount and middle-of-the-road 4.9% APR.

It’ll cost you just £99 per month with a £1,316 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 £166 on the deposit – at £1,482 – 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: £1,316 (£0 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £4,880
  • Total amount payable by customer to buy car: £8,085
  • Cash price: £7,395
  • Mileage allowance: 6,000 miles per year
  • APR: 4.9%

Dacia Sandero Stepway - £99/month

Version: Sandero Stepway TCe 90 Ambiance

Dacia Sandero Stepway 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 Sandero Stepway for a similar cost.

Monthly payments for the Stepway match the standard car at £99 and you get a more powerful and responsive turbocharged petrol engine, though you’ll have to put down a larger £2,514 deposit (on a three-year, 6,000-mile-per-year contract).*

This engine makes the Stepway more suited to motorways and longer journeys than the other models in our roundup. As the turbocharger provides greater power at lower revs, this Stepway is also relaxing to drive as you don’t have to work the engine hard to make progress.

Dacia Sandero Stepway TCe 90 Ambiance

  • Monthly cost: £99 (36 payments)
  • Deposit: £2,514 (£0 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £6,078
  • Total amount payable by customer to buy car: £9,749
  • Cash price: £8,995
  • Mileage allowance: 6,000 miles per year
  • APR: 4.9%

Dacia Logan MCV - £99/month

Version: Logan MCV 1.0 SCe 75 Ambiance

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 £2,247 deposit, making this a big car for tiny instalments.*

Where the Logan excels in the size stakes, engine performance is less impressive; you only get a 75hp 1.0-litre non-turbocharged petrol motor, which is likely to struggle with heavy loads.

Dacia Logan MCV 1.0 SCe 75 Ambiance

  • Monthly cost: £99 (36 payments)
  • Deposit: £2,247 (£0 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £5,811
  • Total amount payable by customer to buy car: £9,443
  • Cash price: £8,695
  • Mileage allowance: 6,000 miles per year
  • APR: 4.9%

*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.

Sidebar Right

Choose a different car: