Best cars for £99 a month - November 2023
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, £99 a month car deals are a very attractive proposition and an affordable way of getting behind the wheel of a new car. We've rounded up the best £99 a month car deals here to help you in your search.
Admittedly, finding £99 a per month car deals is a stretch. Five years ago this would have been considerably easier, but sadly buying a car isn’t quite the buyers market it once was.
While we’re unlikely to go back to the times of incredibly cheap new car finance deals, this page is the place to come for the best bang for your buck if you’re on the hunt for a low-cost £99 a month car deals.
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.
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.
Dacia
- The Dacia Sandero is one of the UK's cheapest cars, and currently comes with a £500 deposit contribution on PCP. If you can up your deposit and don't drive far it will cost less than £150 a month
Fiat
- The Fiat 500 soldiers on, and now you can get a £2400 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 Hyundai Picanto is a small hatchback that feels like a much bigger car, especially in GT-Line spec. There's £1000 deposit contributions available, taking monthly payments down to £170
MG
- A new MG 3 is due next year, which means deals on the current car will just keep getting better. Right now, MG will chip in £250 to your deposit, making an MG 3 Excite £159 per month
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- The Renault Arkana is available from £44 per month, the Clio from £34 a month and Captur from £94 a month, all with 0% APR on 24 month PCP agreements
Suzuki
- Suzuki S-Cross SUVs are available for an affordable £179 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.
Renault Clio Techno E-Tech Hybrid 145
£34 a month: 2 year PCP @ 0% APR
The Renault Clio is a small car stalwart of the UK's supermarket carparks thanks to its chic design, decent interior and sizeable boot. Recently revised and now fully hybrid, helping to cut running costs to a minimum, Clio monthly payments are extremely cheap right now, as long as you can afford the chunky deposit required.
| Deposit | Monthly Payments |
Optional Final Payment |
Total Payable |
Mileage Per Year |
Deal Available Until |
| £7943 | 24 x £34 (£816) | £13,926 | £22,695 | 6000 | 3rd January 2024 |
Hyundai i10 Advance
£100 a month: 4 year PCP @ 9.2% 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 |
| £6900 | 48 x £100.85 (£4840.80) | £6518.36 | £18,259.16 | 8000 | 1st January 2024 |
Dacia Sandero TCe 90
£129 a month: 4 year PCP @ 9.9% APR
Always a reliable entry for most affordable new car on sale today, the Dacia Sandero can be had for £129 a month in entry level Essential trim. The deposit on the Sandero here is a little keen, but paying less will increase those monthly contributions. Dacia is currently chipping in £500 to help with the deposit, too.
| Deposit | Monthly Payments |
Optional Final Payment |
Total Payable |
Mileage Per Year |
Deal Available Until |
| £4526 | 48 x £129 (£6192) | £6058 | £16,790 | 6000 | 3rd January 2024 |
MG 3 Excite 1.5 VTI-tech 5-speed Manual
£159 a month: 4 year PCP @ 9.9% APR
The MG 3 is a car that often springs a surprise, as it's really very affordable, well equipped and actually surprisingly good to drive. The entry level MG 3 Excite still gets an 8-inch colour touchscreen with Apple CarPlay, and rear parking sensors. Yours for £159 a month.
| Deposit | Monthly Payments |
Optional Final Payment |
Total Payable |
Mileage Per Year |
Deal Available Until |
| £3320.88 | 48 x £159 (£7632) | £5760.00 | £16,962.88 | 8000 | 31st December 2023 |
Kia Picanto GT Line 1.0
£115 a month: 3 year PCP & £1000 deposit contribution
The Kia Picanto offers just about all you could need from a small city car. It's well equipped, good value, and both surprisingly spacious and good to drive. Right now you get £1000 towards your deposit on a Picanto GT Line, so if you can afford to chip in yourself, this will bring the monthly payments down reasonably low.
| Deposit | Monthly Payments |
Optional Final Payment |
Total Payable |
Mileage Per Year |
Deal Available Until |
| £5000 | 36 x £115.32 (£4151.52) | £7420.65 | £17,572.17 | 8000 | 13th December 2023 |
Toyota Aygo X Edge 1.0 Manual
£154 a month: 42-month PCP & £900 deposit contribution
The Toyota Aygo X features on-trend SUV-inspired looks, strong equipment levels and a jazzy fabric folding roof panel to make the most of the odd sunny day. Currently available with a £900 contribution to your deposit, the Aygo X is a very affordable option on PCP.
| Deposit | Monthly Payments |
Optional Final Payment |
Total Payable |
Mileage Per Year |
Deal Available Until |
| £3500 | 41 x £153.93 (£6311.13) | £8145 | £18,856.13 | 8000 | 13th December |
Citroen C3 You!
£179 a month: 4 year PCP @ 12.9% APR
The Citroen C3 is definitely built for comfort, not speed. But once you've settled into the C3's comfy seats, that'll only ever be a plus. Good to look at, the C3 is an affordable car that's also usefully cheap to run. An entry level C3 You! will set you back £179 per month on a four-year deal, but is only available to buy online.
| Deposit | Monthly Payments |
Optional Final Payment |
Total Payable |
Mileage Per Year |
Deal Available Until |
| £2852.87 | 47 x £179 (£8413) | £7320 | £18,738.87 | 6000 | Ongoing |
Volkswagen Polo Life 1.0
£223.55 a month: 4 year PCP & £1500 deposit contribution
Although at the top-end of our budget PCP buys, the Volkswagen Polo is worthy of a mention as VW's cheapest model since the Up departed. For your £223 a month, you get a Polo Life, which still includes LED headlights and VW App Connect, plus £1500 off the deposit.
| Deposit | Monthly Payments |
Optional Final Payment |
Total Payable |
Mileage Per Year |
Deal Available Until |
| £3109.50 | 47 x £223.55 (£10,506.85) | £9316.80 | £24,443.15 | 10,000 | 2nd January 2024 |
Skoda Fabia SE Comfort
£183 a month: 4 year PCP & £1000 deposit contribution
The Skoda Fabia is where the smart money goes if you're after a fantastic all-rounder, packaged up as a small family hatchback. The Fabia does just about everything well, including being cheap to buy and run. Skoda is currently offering £1000 deposit contributions on PCP deals, which help keep the monthly costs down.
| Deposit | Monthly Payments |
Optional Final Payment |
Total Payable |
Mileage Per Year |
Deal Available Until |
| £5000 | 47 x £183.29 (£8614.63) | £7761.60 | £22,386.23 | 10,000 | 2nd January 2024 |
Vauxhall Corsa GS 1.2 Turbo
£145 a month: 2 year PCP @ 0% APR
The latest version of the Vauxhall Corsa is the greatest yet. Addressing criticisms of the outgoing car, Vauxhall has ensured its latest Corsa is generously equipped, decent to drive and usefully cheap to run. It's available on PCP with 0% APR and affordable monthly payments, too.
| Deposit | Monthly Payments |
Optional Final Payment |
Total Payable |
Mileage Per Year |
Deal Available Until |
| £6496.50 | 23 x £144.54 (£3324.42) | £11,834 | £21,655 | 6000 | Ongoing |
When is the best time to lease a car?
It’s often good to look at the end of a month as dealerships often have incentives for their salespeople who meet their targets. 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 spending on gifts.
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.
Does car leasing cover maintenance?
The simple answer to this is it depends. Most often, car leasing deals cover more than PCPs, including things like road tax. However, maintenance tends to count like an optional extra, and can be added for an extra monthly fee.
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 finance?
With any form of car finance deal, your credit score will be checked to ensure that you can afford to pay back any loan. 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 higher interest to pay. 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?
The length of the term of the PCP agreement can be increased. Opting for a longer time period for making repayments might help reduce those monthly figures.
Likewise, 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.
