Best PCP deals with no deposit

While there's no shortage of PCP deals around with low monthly payments, these often come with big deposits, so we've found the best deals with the minimal initial outlay.

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

1

MINI One Classic 3dr

It may be bigger than it has ever been, but the MINI hatch is as desirable and charming as ever and remains a popular choice. The MINI finance calculator allows you to vary the options on PCP deals so you can select zero deposit and includes a dealer contribution, although this isn’t available on all models.

What you pay...

 

Customer deposit: £0

Annual mileage: 10,000

Monthly payment: £244.89

Excess mileage fee: 3.95p per mile

Duration: 48 months

APR: 3.9%

>> Where we found this deal

2

Audi A1 Sportback 30 TFSI SE

The latest A1 is better than ever and packs the classy cabin and refined driving experience into a compact shape that still offers reasonable space. There's a wide choice of engines and all are economical, so you can keep running costs down. Audi’s finance calculator allows you to set your own deposit so you can make it zero and just rely on the dealer contribution of £485.

What you pay...

 

Customer deposit: £0

Annual mileage: 10000

Monthly payment: £302.29

Excess mileage fee: 3.98p per mile

Duration: 36 months

APR: 5.9%

>> Where we found this deal

3

Range Rover Evoque D150 2WD

Yes, even something as flash as a Range Rover Evoque can be had with zero deposit. The new Evoque is so new it’s only just gone on sale. Even this entry-level D150 manual FWD version (available June this year) is still over £30,000, so although you can start with zero deposit you have to make it up on the monthly.

What you pay...

 

Customer deposit: £0

Annual mileage: 7000

Monthly payment: £461.22

Excess mileage fee: 14p per mile

Duration: 36 months

APR: 6.9%

>> Where we found this deal

4

Ford Focus 1.0 EcoBoost 125 ST-Line

The Focus has been a favourite of UK buyers for decades and the new model introduced at the end of 2018 is a worthy successor. Bigger and more comfortable than before, the latest generation model benefits from lots of new tech and safety systems. Even a model this new can be had with zero deposit on Ford’s Options scheme at zero APR too.

What you pay...

 

Customer deposit: £0

Annual mileage: 9000

Monthly payment: £359.81

Excess mileage fee: 7.2 per mile

Duration: 36 months

APR: 0%

>> Where we found this deal

5

Toyota Yaris Icon Tech Hybrid

It may not be bursting at the seams with character, but the Yaris does a lot of important things very well. Toyota’s flexible finance calculator allows you to drop the deposit down to zero as well as adjust other elements, keeping a zero APR and a reasonable monthly payment.

What you pay...

 

Customer deposit: £0

Annual mileage: 8000

Monthly payment: £284.02

Excess mileage fee: 8p per mile

Duration: 42 months

APR: 0%

>> Where we found this deal

6

Citroen C3 Aircross 1.2 PureTech Flair

The unique looks of the C3 Aircross make it stand out from the crowd and like many of its recent siblings, the interior is a mix of eye-catching design and sensible practicality. It also follows the current Citroen tack of aiming for comfort rather than sporty handling. Draw up a deal with Citroen and you can lower your deposit to zero while maintaining a good APR rate.

What you pay...

 

Customer deposit: £0

Annual mileage: 6000

Monthly payment: £253.08

Excess mileage fee: 3p per mile

Duration: 47 months

APR: 4.9%

>> Where we found this deal

7

Mazda 6

Updated in early 2018 with new engines and upgraded materials, the 6 has a broad appeal and makes an attractive alternative to some of the default choices in the segment. Currently Mazda’s finance calculator allows you to choose any of its models with zero deposit.

What you pay...

 

Customer deposit: £0

Annual mileage: 9000

Monthly payment: £350.66

Excess mileage fee: 7.5p per mile

Duration: 36 months

APR: 4.1%

>> Where we found this deal

8

Lexus IS 300h Sport

As an alternative to the sporty Germans, the Lexus IS has plenty going for it. For starters, it is exceptionally well-built, with the Lexus range consistently performing well with Honest John readers. The Lexus finance calculator allows you to start with a zero deposit, and although that means a relatively high monthly payment you get a very low APR.

What you pay...

 

Customer deposit: £0

Annual mileage: 8000

Monthly payment: £509.03

Excess mileage fee: 3p per mile

Duration: 48 months

APR: 1.9%

>> Where we found this deal

9

Skoda Citigo 1.0 MPI SE

There’s so much to love about Skoda’s Citigo, not least that it is generally cheaper to buy than its cousins from Volkswagen and Seat. The Citigo squeezes every last drop of space from its compact silhouette and it will take two adults in the rear on short journeys. Even with the deposit dropped to zero, Skoda’s finance deal keeps the APR the same and the monthly low.

What you pay...

 

Customer deposit: £0

Annual mileage: 10000

Monthly payment: £157.53

Excess mileage fee: 3p per mile

Duration: 48 months

APR: 6.8%

>> Where we found this deal

10

Kia Picanto 1.0 2 

The Picanto is one of our favourite small hatchbacks and there are plenty of deals available, so it's worth shopping around to find the best one. Direct from Kia you can drop the deposit down to zero while the monthly payments are then £240.

What you pay...

 

Customer deposit: £0

Annual mileage: 10,000

Monthly payment: £241.44

Excess mileage fee: 9p per mile

Duration: 36 months

APR: 5.9%

>> Where we found this deal