Best cars for £99 a month - November 2024

Looking for a £99 a month car deal with a low deposit? We've rounded up the best deals with low monthly payments that are available right now.

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

Five years ago, finding a £99 per month car finance deal would have been considerably more straightforward, but sadly buying a car isn’t quite the buyers market it once was. However, there are still great deals out there, including significant car manufacturer incentives like deposit contributions, 0% APR and zero deposit deals to 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, plus the option of buying the car at the end of your agreement if your car meets your needs. As long as you're a little flexible with the car you end up driving, you’re in with a great chance of landing a decent finance deal.

We regularly update this page with the best car deals we can find, even if we can’t quite manage the magical £99 a month car deal. There are still great cars available for a relatively small monthly outlay, and we pick the best, listed first by carmakers that offer cheaper PCP and PCH deals, and then we some of our selections of the best individual models.

If keeping monthly costs down and ownership isn't important, then why not consider leasing a new car instead? Monthly payments tend to be cheaper, and once your term is complete, you just hand the car back with nothing else to consider. Our best car leasing deals page has more. 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 - A-Z by Car Maker

Here's a list of the cheapest deals being offered by carmakers right now. If a deal pops up, we'll feature it here.

BYD

  • PCP deals include the BYD Dolphin for £289 a month with 0% APR, £289 down and two years' free servicing. The new BYD Seal U DMi starts at £349, and the BYD Atto 3 is £379 a month with 0% APR, £379 down, a £3000 deposit contribution and £1300 test drive discount

  • Find out more on these deals

Citroen

  • All of Citroen's range can be had on PCP. The existing Citroen C3 starts from £279, while the new Citroen C3 costs from £309 per month

  • Find out more on these deals

Dacia

  • Dacia has some of the most affordable PCP deals out there. The all-new Dacia Duster starts at £93 per month, the outgoing Dacia Duster £107, the Dacia Sandero £123, Dacia Sandero Stepway £137, the Dacia Spring £158 and the Dacia Jogger £166

  • Find out more on these deals

Fiat

  • Deposit contributions are available on the Fiat 500 (£2000), meaning monthly payments of £199 with £999 deposit. A Fiat Panda costs £219 a month, thanks to a £950 deposit contribution

  • Find out more on these deals

Hyundai

  • Deposit contributions include £500 towards the Hyundai i10, giving monthly payments of £195 on a 48-month PCP

  • Find out more on these deals

Kia

  • Kia is offering zero deposit PCP on all models, plus deposit contributions including the Kia Picanto (£500). Putting £5000 towards the deposit gives monthly payments of £188, while opting for zero deposit makes it £344

  • Find out more on these deals

Mazda

MG

  • The MG4 EV starts at £159 per month and the MG ZS EV starts at £309, both with 0% APR. The MG5 has £750-£1750 deposit contributions, the new MG3 hybrid gets £250-£750, and the new MG HS gets £250-£500

  • Find out more on these deals

Peugeot

  • Deposit contributions are available on the Peugeot 208, including £3050 towards a 208 Allure 1.2L PureTech 100 S&S, making monthly payments £202

  • Find out more on this deal

Renault

  • The Renault Clio starts at £154 month on a 24-month PCP deal with 0% APR, and the Renault Captur costs from £166 on the same terms

  • Find out more on these deals

SEAT

  • PCP deposit contributions are available across the range, including the SEAT Ibiza (£2000), with monthly prices starting at £245 on a 48-month deal

  • Find out more on these deals

Suzuki

  • The Suzuki S-Cross and new Suzuki Swift are available with 0% APR on a 25-month PCP with a minimum 20% deposit, the latter starting at £139 a month as a result

  • Find out more on these deals

Vauxhall

  • PCP deposit contributions include the Vauxhall Corsa (£1350-£2350), with monthly payments starting at £206 over 48 months
  • Opt for the Vauxhall Corsa Electric and deposit contributions are £1100-£1700, with monthly payments starting at £239 on a 5-year PCP

  • Find out more on these deals

Best cars for £99 a month

We've found the best cars you can buy right now for less than £100 a month. We update this page every week to make sure we bring you the best deals.

Dacia Duster Expression Hybrid 140

£93 a month: 25 month PCP at 4.9% APR with minimum 25% deposit

The first models of the all-new Dacia Duster don't even arrive in the UK until November, but that hasn't stopped Dacia offering some enticing deals. For just £93 a month, you get a 140PS Duster Hybrid Expression, with 17-inch alloy wheels and a rear parking camera. The slight catch is the minimum 25% deposit of £6,061.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£6061 24 x £93 (£2232) £17,731 £24,245 6000 16th December 2024

 

Hyundai i10 Advance

£99 a month: 4 year PCP at 8.9% APR with £500 deposit contribution

Hyundai i10

The Hyundai i10 used to be incredibly well equipped and extremely cheap. The latter isn't quite true any more, but the i10 continues to impress with its ability to pack big car equipment and comfort into such a small size. Big deposit here, but you can (technically) get an i10 for spot on the magical £99 per month mark.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£6200 48 x £98.54 (£4729.92) £7368.51 £18,798.43 6000 6th January 2025

 

Toyota Aygo X Pure 1.0 Manual

£116 a month: 42 month PCP at 2.9% APR with £300 deposit contribution

The Toyota Aygo X is a city car dressed in an SUV-inspired suit. Granted the plastic wheelarch cladding is more to fend off the bumps and scrapes of the urban jungle, rather than an actual one, but the tiny Toyota is legitimately good value. A zero deposit option is also possible, taking monthly payments to £243.72.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£5000 41 x £115.57 (£4738.37) £6997.50 £17,035.87 6000 7th January 2025

 

Suzuki Swift Mild Hybrid Motion

£139 a month: 25 month PCP at 0% APR with minimum 20% deposit

The new Suzuki Swift is the fourth generation of Suzuki's small hatchback, and the latest model features a new petrol engine that sips fuel, so running costs are affordable. Monthly payments are also well within reach with this deal, limited to a maximum 25-month term. An alternative offer of 48-month PCP with no minimum deposit, 7.9% APR and a £500 deposit contribution sees monthly payments start at £239.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£4996 24 x £139 (£3336) £10,867 £19,199 8000 31st March 2025

 

Kia Picanto 2 1.0

£149 a month: 3 year PCP at 7.9% APR with £500 deposit contribution

The Kia Picanto has just been treated to a mid-life facelift, bringing its looks into line with Kia's fast-growing lineup of EVs. This deal requires a hefty customer deposit to supplement the £500 that Kia chips in, but the monthly cost is left pretty reasonable as a result, and you get 10,000 miles a year to play with.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£5000 36 x £148.59 (£5349.24) £6734.48 £17,583.72 10,000 16th December 2024

 

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.