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Best PCP deals for under £150 a month

Even if you don’t have a massive deposit you can still get yourself a tidy new motor for a modest monthly payment on a PCP deal. Here are ten of the best we’ve found for under £150 a month.

* Updated January 2019. Please note that deals and prices may change over time

1

Skoda Fabia 1.0 MPI 60 S

Sturdy and classy without needing to shout about it, Skoda’s little Fabia is a gem that should give years of stress-free motoring. A willing engine, comfortable and spacious cabin plus a high level of build quality is an impressive array of talents.

 What you pay...  
 Monthly payment: £115.57  Annual mileage: 10,000
 Customer deposit: £1225.50  Excess mileage fee: 0p per mile
 Duration: 48 months  APR: 3.9%

>>Where we found this deal

2

Kia Picanto '1' 1.0

The Picanto is blessed with the charm and sophistication of a bigger and more expensive car. This deal from Arnold Clark only comes with a low annual mileage of 6000, but with a modest monthly payment and a super-low deposit of £100 it’s a cheap way of getting a new car.

 What you pay...  
 Monthly payment: £126.76  Annual mileage: 6000
 Customer deposit: £126  Excess mileage fee: 7.5p per mile
 Duration: 36 months  APR: 5.9%

>>Where we found this deal

3

Nissan Qashqai 1.3 DiG-T Visia

The Qashqai set the template for the modern crossover and continues to be popular. Easy to drive and spacious, the new 1.3-litre DiG-T engine is impressive too. This deal has a high excess mileage fee but a reasonable APR rate and a very low monthly payment for a car this size.

 What you pay...  
 Monthly payment: £149  Annual mileage: 8000
 Customer deposit: £3000  Excess mileage fee: 12p per mile
 Duration: 48 months  APR: 6.5%

>>Where we found this deal

4

Volkswagen Up 1.0 Move 3dr

So lovely that you can forget you’re actually driving a city car, the Up is downsized Volkswagen quality and comfort with the added bonus of costing peanuts to run. Although the mileage allowance on this deal is low it does come with 0% APR, so you could add in some excess miles to your financial sums.

 What you pay...  
 Monthly payment: £139  Annual mileage: 5000
 Customer deposit: £1999  Excess mileage fee: 4.8 per mile
 Duration: 36 months  APR: 0%

>>Where we found this deal

5

Suzuki Ignis 1.2 Dualjet SZ3

A totally different take on the city car, the Suzuki Ignis offers lots of personalisation options while the 1.2-litre engine provides useful performance and strong economy. Although this deal has a relatively high rate of APR both the monthly payment is attractively low.

 What you pay...  
 Monthly payment: £109  Annual mileage: 8000
 Customer deposit: £1912.11  Excess mileage fee: 4p per mile
 Duration: 49 months  APR: 6.9%

>>Where we found this deal

6

Citroen C3 1.2 Puretech Feel

One of the bigger cars that sneaks under our £150 budget, the C3 is both grown-up and utilitarian as well as fun and stylish. It’s also spacious enough for family car duties. This deal direct from Citroen has a low annual mileage and needs a sizeable deposit but offsets that with 0% finance.

 What you pay...  
 Monthly payment: £150  Annual mileage: 6000
 Customer deposit: £2850  Excess mileage fee: 6.6 per mile
 Duration: 48 months  APR: 0%

>>Where we found this deal

7

Toyota Aygo X-Play 1.0 VVT-i 5dr

Brilliantly compact and built with cost and weight in mind without leaving you feeling short-changed, the Aygo has plenty of big-car features but weighs in with small-car bills. Toyota’s deal calculator allows you to tailor your own deal, so you can up the deposit to lower the monthly payments.

 What you pay...  
 Monthly payment: £143.46  Annual mileage: 8000
 Customer deposit: £1850  Excess mileage fee: 8p per mile
 Duration: 36 months  APR: 4.9%

>>Where we found this deal

8

Fiat 500 1.2 Pop

The much-loved and desirable Fiat 500 continues to prove popular. Versions at this price come with the 1.2 petrol engine which is less attractive but cheaper than the 1.0-litre TwinAir models. Direct from Fiat, this finance deal has a low annual mileage but comes with 0% finance and a modest deposit.

 What you pay...  
 Monthly payment: £139  Annual mileage: 6000
 Customer deposit: £2241  Excess mileage fee: 6p per mile
 Duration: 37 months  APR: 0%

>>Where we found this deal

9

Suzuki Swift 1.2 Dualjet SZ3

Another of our favourite small hatches, the Swift retains a sharp sense of style and fun driving experience, but the latest generation is more refined and efficient than before. This deal from Broker4Cars allows some customisation, and requires a modest deposit to achieve under £150 a month.

 What you pay...  
 Monthly payment: £141  Annual mileage: 10,000
 Customer deposit: £1199  Excess mileage fee: TBC
 Duration: 48 months  APR: 7.0%

>>Where we found this deal

10

Fiat Panda 1.2 Pop

Fiat has always been a small car specialist and the all-round excellence of the Panda is a testament to that. This is another deal with a low deposit and low monthly payment, so although the mileage allowance is low the excess mileage charge would only be £60 per 1000 miles.

 What you pay...  
 Monthly payment: £129  Annual mileage: 6000
 Customer deposit: £129  Excess mileage fee: 6p per mile
 Duration: 48 months  APR: 6.9%

>>Where we found this deal

 

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