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Top 10: SUVs for under £400 a month

Conventional crossovers and estates are ideal for many buyers, offering up the space and capabilities they need in sensibly priced packages. If you need proper off-road or towing capabilities, however, a full-sized SUV is frequently the only thing that’ll cut the mustard.

What is a PCP? / Top 10 tips for buying a new car / Top 10 small cars for under £100 a month

1

Kia Sorento KX-1 2.2 CRDi 200PS 6-speed manual

The Kia Sorento is ideal if you’re looking for hassle-free motoring. Besides a standard seven-year warranty, the big SUV comes with stacks of equipment, seven seats, an economical diesel engine and a comfortable cabin. It’s also easy to drive, has all-wheel drive and is a competent tow car. Kia’s currently offering a £2000 deposit contribution and, thanks to sensible APR rates, the monthly PCP costs work out at £308.

What you pay:

Cash price: £29,310

Finance product: Kia Personal Contract Purchase

Monthly payment: £308

Customer deposit: £6300

Dealer deposit contribution: £2000

Total deposit: £8300

Duration: 36 months

Annual mileage: 10,000

Total amount of credit: £21,010

APR: 4.9 per cent

Optional final payment: £12,420

Total payable by customer: £31,791

Excess mileage fee: 7.5p per mile

Extras: None

To read our full review of the Kia Sorento click here

2

Land Rover Discovery Sport 2.0 150PS Diesel AWD SE

The Discovery Sport is Land Rover’s capable, comfortable and upmarket replacement for the old Freelander. It’s good to drive, features seven seats and comes with a decent amount of equipment – including climate control, part-leather trim, heated seats, cruise control, a DAB radio and Bluetooth. You'll have to put down a deposit of £6500 – and pay £395 a month – to enjoy this premium SUV, however.

What you pay:

Cash price: £32,910

Finance product: Land Rover Freedom PCP

Monthly payment: £385

Customer deposit: £6500

Dealer deposit contribution: £0

Total deposit: £6500

Duration: 48 months

Annual mileage: 10,000

Total amount of credit: £26,410

APR: 5.9 per cent

Optional final payment: £12,360

Total payable by customer: £37,418

Excess mileage fee: 14p per mile

Extras: None

To read our full review of the Land Rover Discovery Sport click here

3

Skoda Kodiaq SE L 2.0 TDI 150PS 4x4 7 Seat

If you’re looking for a seven-seat SUV that’s ideal for tackling whatever family life might throw at it, then the Kodiaq should be at the top of your list. It offers plenty of room, lots of equipment and it’s an eminently safe and practical car. It’s also pleasant to drive, so longer trips won’t be a chore. Skoda’s current PCP deal features a £2000 deposit contribution and only requires a comparatively small deposit of £3986 from the customer.  

What you pay:

Cash price: £32,900

Finance product: PCP

Monthly payment: £389

Customer deposit: £3,986

Dealer deposit contribution: £2000

Total deposit: £5,986

Duration: 48 months

Annual mileage: 10,000

Total amount of credit: £26,913.74

APR: 6.3 per cent

Optional final payment: £13,671

Total payable by customer: £37,950

Excess mileage fee: 8.4p per mile

Extras: None

To read our full review of the Skoda Kodiaq click here

4

Hyundai Santa Fe Premium 2.2 CRDi 4WD 7 Seat

A new Hyundai Santa Fe is just around the corner, so there are some good deals available on the outgoing model – which is still a smart, refined and comfortable SUV that packs an excellent diesel engine and plenty of kit. You might baulk at the hefty £10,388 deposit but consolation comes in the form of a £5000 dealer contribution and comparatively low monthly rates of £253.

What you'll pay:

Cash price: £34,625

Finance product: PCP

Monthly payment: £253

Customer deposit: £10,388

Dealer deposit contribution: £5000

Total deposit: £15,388

Duration: 37 months

Annual mileage: 8000

Total amount of credit: £19,238

APR: 2.5 per cent

Optional final payment: £12,470

Total payable by customer: £36,976

Excess mileage fee: 9p per mile

Extras: None

To read our full review of the Hyundai Santa Fe click here

5

Alfa Romeo Stelvio 2.2 180PS AT8 RWD

Looking for something a bit more sporty and don’t need all-wheel drive? Alfa’s new Stelvio SUV could be just the ticket. It’s a charismatic bit of kit and far more compelling to drive than many rival offerings. The Stelvio’s quite a practical choice, too, although it only offers five seats. Alfa’s currently offering a deposit contribution of £1000 and, based on the current deal, you’ll pay £379 a month to drive one of these sporting SUVs.

What you pay:

Cash price: £34,035

Finance product: PCP

Monthly payment: £379

Customer deposit: £6065

Dealer deposit contribution: £1000

Total deposit: £7065

Duration: 48 months

Annual mileage: 10,000

Total amount of credit: £26,970

APR: 6.9 per cent

Optional final payment: £14,851

Total payable by customer: £38,729

Excess mileage fee: 12p per mile

Extras: None

To read our full review of the Alfa Romeo Stelvio click here

6

Jeep Grand Cherokee Night Eagle 250PS Automatic 4x4

The Grand Cherokee isn’t the most commonly chosen SUV, often being overshadowed by more premium brands, but it has a lot in its favour; it’s extremely capable off road, can tow heavy loads and it comes with an awful lot of equipment – including sat-nav, cruise control and a nine-speaker stereo with a subwoofer. Jeep’s currently offering zero-percent finance and a huge deposit contribution of £8400, too, helping keep costs down. 

What you pay:

Cash price: £49,880

Finance product: PCP

Monthly payment: £399

Customer deposit: £7565

Dealer deposit contribution: £8400

Total deposit: £15,965

Duration: 48 months

Annual mileage: 10,000

Total amount of credit: £33,915

APR: 0 per cent

Optional final payment: £15,162

Total payable by customer: £41,480

Excess mileage fee: 12p per mile

Extras: None

To read our full review of the Jeep Grand Cherokee click here

7

Honda CR-V SE Plus 1.6 i-DTEC AWD

If you don’t need a big SUV that features all manner of expensive off-road tech, you could consider something like the Honda CR-V. It’s a refined and comfortable choice and also features a quiet, economical diesel engine. Honda’s offering a deposit contribution of £1000 and zero-percent finance, so monthly costs come out at a reasonable £335.

What you pay:

Cash price: £29,335

Finance product: PCP

Monthly payment: £335

Customer deposit: £6004

Dealer deposit contribution: £1000

Total deposit: £7004

Duration: 37 months

Annual mileage: 10,000

Total amount of credit: £22,331

APR: 0 per cent

Optional final payment: £10,269

Total payable by customer: £29,335

Excess mileage fee: 5p per mile

Extras: None

To read our full review of the Honda CR-V click here

8

Volvo XC60 D4 AWD Momentum Manual

If you’re in the market for something subtle, sleek and refined, then you should take a closer look at the Volvo XC60. It’s a classy SUV that offers a spacious interior, a frugal diesel engine and masses of safety kit. The XC60’s not admittedly that interesting to drive, nor does it have a big boot, but it’s ideal for those seeking comfort and safety. Volvo is currently offering a deposit contribution of £1000 too.

What you pay:

Cash price: £38,420

Finance product: PCP

Monthly payment: £349

Customer deposit: £6347

Dealer deposit contribution: £1000

Total deposit: £7347

Duration: 39 months

Annual mileage: 10,000

Total amount of credit: £28,768

APR: 4.9 per cent

Optional final payment: £16,475

Total payable by customer: £40,574

Excess mileage fee: 14.9p per mile

Extras: None

To read our full review of the Volvo XC60 click here

9

Jaguar F-Pace R-Sport 2.0D 180PS Auto RWD

The F-Pace is notable for being Jaguar’s first SUV and, credit where it’s due, it’s a convincing effort. For one thing, it’s a remarkably good car to drive despite its size and weight. It’s also quiet, relatively comfortable and economical. It’s not one of the cheapest around, though, but SUVs with a genuinely sporty edge are few and far between. 

What you pay:

Cash price: £39,845

Finance product: PCP

Monthly payment: £399

Customer deposit: £9325

Dealer deposit contribution: £1500

Total deposit: £10,825

Duration: 36 months

Annual mileage: 10,000

Total amount of credit: £29,020

APR: 5.9 per cent

Optional final payment: £18,934

Total payable by customer: £44,123

Excess mileage fee: 14p per mile

Extras: None

To read our full review of the Jaguar F-Pace click here

10

Mazda CX-5 165PS 2WD SE-L Nav

The CX-5 is a compact, straightforward SUV which features a range of economical petrol and diesel engines. It also comes with a decent amount of equipment and is a practical, comfortable and smartly styled choice. Okay, so this version doesn’t come with all-wheel drive – but then it’s far more affordable than many alternatives, with monthly costs of £289.  

What you pay:

Cash price: £24,895

Finance product: PCP

Monthly payment: £289

Customer deposit: £3843

Dealer deposit contribution: £750

Total deposit: £4593

Duration: 42 months

Annual mileage: 9000

Total amount of credit: £20,302

APR: 3.9 per cent

Optional final payment: £10,277

Total payable by customer: £27,007

Excess mileage fee: 14.9p per mile

Extras: None

To read our full review of the Mazda CX-5 click here

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