Best cars for £99 a month - December 2025

Looking for a £99 a month car deal with an affordable deposit? We've rounded up the PCP finance deals with the lowest monthly payments that are available right now.

If you're looking to drive a new car but have a limited budget, opting for a cheap car PCP finance deal is one of the best ways of getting behind the wheel. However, finding the cheapest deals isn't always easy.

Finding a new car for around £99 per month today is a tricky task, but not impossible. However, it's also important to consider factors like the deposit you need to pay, and the length of the agreement, and making sure you can afford the whole deal.

For that reason, this page includes deals with cheap monthly payments, plus those with additional incentives like deposit contributions, 0% APR and zero deposit deals that all help lower that all-important monthly bill.

If you want to drive a new car, stretching to a monthly budget of less than £200 will give you plenty of PCP choices, trim that initial deposit, and give the option of buying the car at the end of your agreement if your car meets your needs.

We regularly update this page with the best car deals we can find for a relatively small monthly outlay. 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

Here's a list of the cheapest deals being offered by carmakers right now. If a deal pops up, we'll feature it here. We've also added some of our top picks of models that are particularly affordable, or have something extra to sweeten the deal, from 0% finance to zero deposit.

What month is best to buy a car?

Prices of new cars, leasing deals and PCP offers do fluctuate as the year progresses. In general, we recommend avoiding March and September, which is when the registrations come in, and dealers will have no problems meeting sales targets.

Instead, if you're looking for the best deal, it's always worth asking the question at the end of a month or quarter, just in case another sale can be snuck in to secure a bigger slice of commission.

As in the US, deals, particularly on EVs, have started to crop up around major holidays, so Easter, Black Friday, and Christmas are good times to get a deal, with the latter one of the quietest times for dealers as customers are generally out buying gifts instead.

If you're looking for a specific type of car, it's worth nothing when popular models are due to be replaced or given a mid-lift refresh. If you're not bothered about driving the absolute latest model, there's always a deal to be done to shift old stock to make way for new inventory.

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.