Best cars for £99 a month - May 2024
Looking for a £99 a month car deal with low deposit? We've rounded up the best deals with low monthly payments that are available right now.
If you're after a new car but have a limited budget, opting for a £99 a month car finance deal is an affordable way of getting behind the wheel of a new car. However, finding the cheapest deals isn't always easy.
Five years ago, finding a £99 per month car finance deal would have been considerably easier, but sadly buying a car isn’t quite the buyers market it once was. Despite unfavourable market conditions, there are still great deals out there to be had, including significant dealer deposit contributions to help lower that all-important monthly bill.
There are also competitive prices on finance, including zero per cent APR on cars with upcoming facelifts. If you don’t mind being flexible with the car you end up driving, or the absolute latest technology isn’t a must for you, you’re more likely to be in with a chance of landing a decent finance deal.
We regularly update this page with the best car deals we can find, even if we can’t quite manage the magical £99 a month car deal. There are still great cars available for a relatively small monthly outlay, and we pick the best, listed first by carmakers that offer cheaper PCP and PCH deals, and then we some of our selections of the best individual models.
After more deals on new cars? Check out our round-up of all the best new car deals around.
Best cars for £99 a month - A-Z by Car Maker
Here's a list of the cheapest deals being offered by carmakers right now. If a deal pops up, we'll feature it here.
Citroen
- All of Citroen's range can be had on PCP or PCH, with affordable prices. The Citroen C3 starts from £249 per month, the Citroen C3 Aircross from £289, and the Citroen C4 from £339
Dacia
- An all-new Dacia Duster is on the way, so the current Duster Journey is available with a £750 deposit contribution on PCP at just £98 per month. The Dacia Sandero has a £400 contribution and costs from £142.
Fiat
- The Fiat 500 soldiers on, and now you can get a £2500 deposit contribution when you finance one on PCP. That makes payments £199 a month
Hyundai
- The Hyundai i10 is a great choice for budget motoring. Recently facelifted, you can get a Hyundai i10 for under £200 a month on PCP or lease
Kia
- The Kia Picanto is a small hatchback that feels like a much bigger car. The Picanto costs less than £180 a month on PCP. A recent facelift and £1000 deposit contribution sweeten the deal, too
MG
- A new MG 3 Excite costs from £159 per month, and MG will even chip in £1000 towards your deposit
- The MG4 EV SE costs £99 per month on a 37-month deal with 0% APR. A £10,543 deposit is required
Renault
- The Renault Clio has just had its mid-life facelift. You can pick one up for £165 a month with 0% APR on a 24 month PCP agreement
Suzuki
- The latest Suzuki Swift hatchback has just been launched, and is available on PCP for £189 a month and 0% APR with a minimum 20% deposit on a 25-month deal
Best cars for £99 a month
We've found the best cars you can buy right now for less than £100 a month. We update this page every week to make sure we bring you the best deals.
Dacia Duster Journey TCe 90
£98 a month: 2 year PCP @ 4.9% APR
Always a reliable entry for most affordable new car on sale today, the Dacia Sandero is about to be replaced, so the current model is a great cheap finance deal. The Dacia Journey includes automatic air conditioning, 17-inch alloys, a rear-view camera and keyless entry, and all this can be yours for just £98 per month. Dacia is currently chipping in £750 to help with the deposit, too.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £4949 | 24 x £98 (£2352) | £13,089 | £21,151 | 6000 | 30th September 2024 |
MG4 EV SE 125kW 51kWh Auto
£99 a month: 3 year PCP @ 0% APR
Arriving right on the £99 per month budget, the MG 4 is an extremely affordable entry point into the world of electric vehicles. Right now, you can pick up an entry level MG 4 SE on a 37-month PCP agreement with 0% APR thrown in too. The minimum 20% deposit is hefty, but the car you're financing comes very well equipped.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £10,543 | 36 x £99 (£3564) | £12,888 | £26,995 | 8000 | 30th June 2024 |
Hyundai i10 Advance
£101 a month: 4 year PCP @ 8.8% APR
The Hyundai i10 used to be incredibly well equipped and extremely cheap. The latter isn't quite true any more, but the i10 continues to impress with its ability to pack big car equipment and comfort into such a small size. Big deposit here, but you can get an i10 for spot on the magical £100 per month mark.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £6800 | 48 x £100.87 (£4841.76) | £7246.14 | £18,887.90 | 6000 | 1st July 2024 |
Toyota Aygo X Pure 1.0 Manual
£107 a month: 42-month PCP and £300 deposit contribution @ 2.9% APR
The Toyota Aygo X is a city car dressed in an SUV-inspired suit. Granted the plastic wheelarch cladding is more to fend off the bumps and scrapes of the urban jungle, rather than an actual one, but the tiny Toyota is legitimately good value. A zero deposit option is also possible, taking monthly payments to £218.61.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £4349 | 41 x £107.14 (£4392.74) | £6975 | £17,016.74 | 6000 | 30th September 2024 |
Kia Picanto GT-Line S
£154 a month: 37 month PCP and £1000 deposit contribution @ 7.9% APR
The Kia Picanto is another great choice if you need a small car that feels like bigger once you go for a drive. We've picked the freshly facelifted Picanto in generously appointed GT-Line S spec, and the deal below includes a significant deposit to keep the monthly cost reasonable. Kia is offering its entire range with zero deposit on PCP, with this Picanto coming out at £310.11 if you opt for no money down.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £5000 | 36 x £154.28 (£5554.08) | £10,201.50 | £21,755.58 | 6000 | 1st July 2024 |
When is the best time to lease a car?
In general, there aren't wildly different fluctuations in leasing costs throughout the year. However, it still pays to be aware of when new cars are being priced more competitively. For example, it's often good to look for your new car at the end of a month as dealerships often have incentives for their salespeople who meet their targets.
The same goes for the end of each quarter of the year, although we’d avoid March and September, when new registrations come in, as that’s when more new cars are sold, so there’s fewer incentives around. Just as with other consumer goods, it’s worth looking for new car deals around the christmas holidays, as it’s quiet in dealerships and people are busy spending on gifts.
And if you're really looking to try and save, and are flexible with the type of car you drive, how about going for a convertible in the winter? Opting to drive a car that's better suited to summer could be another reason to save some cash.
Does car leasing cover maintenance?
The simple answer to this is no, but it's really down to the type of leasing agreement you sign. Most often, car leasing deals cover more than PCPs, including things like road tax as standard. However, maintenance tends to count like an optional extra, but can usually be added for an extra monthly fee to make budgeting super simple.
It’s worth looking at, as lease deals can be quite strict about exactly when and where a leased car must be serviced. It’s rare you can pick any garage, and some carmakers will insist any work is done at their franchise only, so a discounted packaged, if available, could save you money and stress.
How hard is it to get approved for car leasing?
With any form of car finance agreement, your credit score will be checked to ensure that you can afford to pay back any loan or any monthly payments you agree to. To get approved for car finance you need to have a good credit history and have chosen a car that fits your budget.
If you have lots of debt and no form of income, getting this approved will be tricky, and if you are successful, you may have a higher monthly payment. However, there are specialist firms that offer car finance for those with poor credit, so all is not lost if you don’t get approved first time around.
How can I reduce monthly payments?
If you are looking to reduce monthly payments on a PCP agreement, one way of reducing your monthly payment is by increasing your deposit. This doesn't have to mean you need to find more cash, but looking for deposit contribution deals on cars that meet your needs can help to trim a few pounds from the monthly bill.
It's also worth looking at the length of time you wish to have the car for. As your lease or PCP essentially has to cover the depreciation of the car, which is at its worst in the first year or two, opting for a longer time period for making repayments might help reduce those monthly figures.
If you’re flexible on how much you’re planning to use your car, signing up to a lower annual mileage limit could trim some cash from the budget. However, if you then end up over the limit at the end of the agreement, the cost per mile charge could prove quite the sting in the tail.
