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 no initial outlay.

* Updated November 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: 3.41p per mile

Duration: 48 months

APR: 3.9%

>> Where we found this deal

2

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. All models 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: £353.08

Excess mileage fee: 7.2 per mile

Duration: 36 months

APR: 0%

>> Where we found this deal

3

Audi A1 Sportback 25 TFSI Technik

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: £266.64

Excess mileage fee: 3.98p per mile

Duration: 48 months

APR: 6.4%

>> Where we found this deal

4

Fiat 500 1.2 Pop

It may not be the newest small car around but the 500 shows no signs of its popularity diminshing and it's still a favourite with new drivers and those wanting a second car with character. You can get one for just £120 a month with no deposit, making this one of the best deals around. 

What you pay...

 

Customer deposit: £0

Annual mileage: 7000

Monthly payment: £160.38

Excess mileage fee: 7p per mile

Duration: 48 months

APR: 4.3%

>> Where we found this deal

5

Kia Stonic 1.0 T-GDI 2

There's no shortage of small crossovers to choose from the Stonic makes a good case for itself, helped in no small part by low running costs and an impressive 1.0-litre engine. The 2 may be the entry-level model but it comes well equipped with rear parking sensors, air con plus Apple CarPlay and Android Auto.

What you pay...

 

Customer deposit: £0

Annual mileage: 7000

Monthly payment: £287.70

Excess mileage fee: 9p per mile

Duration: 37 months

APR: 5.9%

>> Where we found this deal

6

Mazda CX-3 2.0 SE Nav+

Thanks to ample grip and responsive steering, the CX-3 is highly regarded as one of the best handling crossovers around. Yet it still manages to blend that with a comfortable ride and good refinement on the motorway. Monthly payments of £270 and an APR of 3.9% make this a very attractive no deposit deal.

What you pay...

 

Customer deposit: £0

Annual mileage: 10000

Monthly payment: £270.44

Excess mileage fee: 7.5p per mile

Duration: 42 months

APR: 3.9%

>> Where we found this deal

7

Hyundai Ioniq Hybrid Premium

If you're after a hybrid car, the Ioniq promises refinement along with low running costs and a comfortable cabin. It's also one of the cheapest hybrids on a PCP if you're after a deal that requires no deposit - an equivalent Prius will cost you more each month.

What you pay...

 

Customer deposit: £0

Annual mileage: 9000

Monthly payment: £361.18

Excess mileage fee: 9p per mile

Duration: 48 months

APR: 4.9%

>> Where we found this deal

8

SEAT Ibiza 1.0 TSI 95 SE

The Ibiza is supremely comfortable and practical, while few of its rivals can match its outstanding petrol engines. The 1.0 TSI is one of the best three-cylinder turbo petrols around and gives it plenty of get up and go. At less than £240 a month with no deposit, this is a good deal on one of the best hatchbacks around.

What you pay...

 

Customer deposit: £0

Annual mileage: 10000

Monthly payment: £236.77

Excess mileage fee: 3p per mile

Duration: 48 months

APR: 6.3%

>> Where we found this deal

9

Renault Kadjar 1.3 TCe 140 Play

It's no secret that the Kadjar shares much under its skin with the Nissan Qashqai, but you'll find better deals on the Renault with this Play model coming in under £300 a month if you go for zero deposit. It's well equipped too with climate control, heated door mirrors plus Apple CarPlay and Android Auto.

What you pay...

 

Customer deposit: £0

Annual mileage: 7000

Monthly payment: £298.00

Excess mileage fee: 8p per mile

Duration: 48 months

APR: 4.9%

>> Where we found this deal

10

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 destined to be one of 2020's most desirable cars. Even this entry-level D150 manual FWD version 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: £470.64

Excess mileage fee: 14p per mile

Duration: 36 months

APR: 5.9%

>> Where we found this deal