Best sub-£200 per month PCP deals

Best sub-£200 per month PCP deals
Best sub-£200 per month PCP deals

PCPs can be cheaper than you think; here are our top ten deals for less than £50 per week

Today, around seven in every 10 new cars are bought via personal contract purchase (PCP) – and the cheap nature of these kind of finance deals means you can afford to stretch your budget that bit further.

With £200 a month to spend, you can afford anything from a small hatchback to an SUV. We’ve compared the cost of 10 of the best monthly deals with that of the typical price you’d pay if you were buying each car outright, after dealer discounts. All deals are for three years and 30,000 miles.

10. Volkswagen Up 1.0 90 High Up 5dr

Typical price (on the road): £11,096
Typical monthly payment: £175 (4.6% APR and £500 finance deposit allowance)
This is a small and neat PCP package for the smallest, neatest, most affordable VW. The Up baby hatchback is refined, comfortable and good to drive – in short, a miniature version of its bigger stablemates.

9. Suzuki Vitara 1.6 SZ4

Typical price (on the road): £14,212
Typical monthly payment: £159 (2.9% APR)
At less than £160 a month, this Suzuki Vitara PCP deal is highly tempting. It’s roomy and well equipped, and strong value in SZ4 guise in particular.

8. Kia Picanto 1.25 3 5dr

Typical price (on the road): £11,765
Typical monthly payment: £162 (4.9% APR and £500 finance deposit allowance)
A class-leading seven-year warranty is an additional boon for the smart, roomy and surprisingly good-to-drive Kia Picanto city car – especially if you decide to pay the final ‘balloon’ payment to own it.

7. Seat Leon 1.2 TSI SE Dynamic Technology 5dr

Typical price (on the road): £13,929
Typical monthly payment: £183 (4.9% APR and £2750 finance deposit allowance)
Sat-nav, digital radio, air-con, alloys, rear parking sensors and cruise control are among the Seat Leon SE Dynamic Technology’s standard kit, while this practical family hatch is a superb drive.

6. Hyundai i10 1.2 Premium SE 5dr

Typical price (on the road): £11,687
Typical monthly payment: £168 (4.9% APR and £500 finance deposit allowance)
The Hyundai i10 is bigger on the inside than its compact exterior design would suggest, and it’s equally impressive and refined on the road. Premium SE cars get a high-quality touchscreen infotainment system.

5. Seat Ateca 1.0 TSI Ecomotive S 5dr

Typical price (on the road): £17,342
Typical monthly payment: £184 (4.8% APR)
This neat-handling and practical car went straight in at number one on the SUV charts, and the 1.0-litre is ideal for mainly city use – even though we’d choose the 1.4-litre petrol version of the Seat Ateca if the budget allowed.

4. Skoda Fabia 1.0 TSI 95 SE

Typical price (on the road): £12,039
Typical monthly payment: £158 (2.9% APR and £2000 finance deposit allowance)
This multi-award winner remains among the top small hatches available, thanks to its quiet composure, superb build quality and impressive value. The Skoda Fabia is the cheapest PCP deal here, too.

3. Skoda Octavia 1.4 TSI SE

Typical price (on the road): £16,079
Typical monthly payment: £198 (2.9% APR and £2000 finance deposit allowance)
A great everyday user thanks to its space, driving quality and great standard kit, the Skoda Octavia is more exciting than it looks – particularly in smooth 1.4-litre petrol form.

2. Ford Fiesta 1.0 Ecoboost Zetec 5dr

Typical price (on the road): £14,454
Typical monthly payment: £190 (2.9% APR)
It may not be quite as practical as some rival small hatchbacks, but the Ford Fiesta beats most for engaging handling. Its broad model line-up and generous haul of safety kit are further bonuses.

1. Seat Ibiza 1.0 TSI 95 SE 5dr

Typical price (on the road): £12,271
Typical monthly payment: £168 (5.9% APR and £2000 finance deposit allowance)
This superb car is better even than Skoda’s Fabia and Ford’s new Fiesta. We especially love the Seat Ibiza’s roomy cabin and powerful petrol engines. The SE boasts colour touchscreen infotainment and split-fold rear seats, while the even more appealing FR doesn’t cost much more.

Sarah Bradley

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