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Top 10: Small cars for under £100 a month

How affordable is running a new car? Well if you have a couple of thousand pounds to stump up as a deposit, it could be cheaper than you think on a PCP (personal contract purchase) scheme.

Here, we list 10 of the best small car deals for up to £100 a month, but always make sure to check the details of your specific agreement and always read the smallprint.

What is a PCP? / Top 10 tips for buying a new car / 25 cheapest new cars on sale

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Citroen C1 1.2 82 PureTech Feel

The popular Citroen C1 is currently available with a deposit contribution plus 'manufactrer reward' from the dealer totalling £800, and with monthly payments of £99 over three years. It’s a neat little car with a feisty 82PS engine, which should make motorway journeys more enjoyable than you’d expect in a small car.

What you pay:

Cash price: £10,375

Finance product: Citroën Elect 3 PCP

Monthly payment: £99

Customer deposit: £2534

Dealer deposit contribution: £350 plus £450 manufacturer reward

Total deposit: £2820

Duration: 37 months

Annual mileage: 6000

Total amount of credit: £7161

APR: 4.9% representative

Optional final payment: £4459

Total payable by customer: £10,497

Excess mileage fee: 6p per mile

Extras: Price includes compulsory £120 roadside assistance package.

To read our full review of the Citroen C1 click here


Duncan    on 1 May 2017

so you end up paying just over of £5000 over 3 years, are restricted by the miles you do and in 3 years time you have nothing. Whilst this may suit some people its not for me

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Value my car

Amount to borrow
Sorry. The minimum loan amount is £1000
To pay back over

My credit score

Best available rate 9.20%

Total repayment £9,304.93

Total cost of credit £1,804.93


60 monthly payments

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Representative example

The Representative APR is 13.2% (fixed) so if you borrow £7,500 over 4 years at a rate of 13.2% p.a (fixed) you will repay £199.21 per month and repay £9562.20 in total.