Best cars for £99 a month: top budget car finance deals March 2026
| Written by: Tom Phillips | Last updated: 10th March 2026 |
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 becoming a near-impossible task. 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 money-saving car deals
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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.
BYD
- The BYD Dolphin Surf starts at £229 a month with £229 deposit, the BYD Dolphin starts at £249 with £249 down. The new BYD Atto 2 starts at £299 with £299 deposit and the BYD Atto 3 is £399 with £399 deposit. All have deposit contributions and retailer discounts
- Find out more on these deals
PCP Deal: BYD Dolphin Surf Boost
£229 a month: 4 year PCP at 1.9% APR with £229 customer deposit
The BYD Dolphin Surf might be one of the Chinese firm's smallest cars, but it's also one of the best. Cheap to buy, well equipped and really quite spacious for its small size, the Dolphin Surf has plenty to recommend it.
BYD is also offering plenty of incentives to get behind the wheel. Choose the entry level Active trim and you pay £249 a month with £249 deposit and a low 1.9% APR on a 48-month deal. However, an upgrade to mid-spec Boost trim costs less per month and requires a lower deposit thanks to a bigger deposit contribution.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £229 | 48 x £249 (£10,992) | £7556.25 | £21,247.06 | 6000 | 31st March 2026 |
Chery
- The Chery Tiggo 7 starts at £249 a month at 1.9% APR, while the PHEV version starts at £299, and is 0% APR with £500 off
- The Chery Tiggo 8 starts at £349 a month at 2.9% APR, while the PHEV starts at £389 with 0% APR and £350 off
- Find out more on these deals
Citroen
- The Citroen C3 is £140 a month and the new Citroen C3 Aircross is £130, the Citroen C4 costs £255 a month and the Citroen C4 X starts at £268, and the Citroen C5 Aircross starts from £186 a month all with 0% APR over two years
- The Citroen e-C3 starts from £186, the Citroen e-C3 Aircross at £112, the Citroen e-C4 at £415 and the Citroen e-C5 Aircross at £140. Again, all are 0% APR over 24 months
- Find out more on these deals
PCP Deal: Citroen e-C3 Plus 113hp Urban Range
£190 a month: 2 year PCP at 0% APR
The Citroen e-C3 is one of the most affordable new electric cars, and has plenty to recommend it. Capable of just under 200 miles on a charge, it's well equipped, comfortable and spacious. It's well worth a look with this deal, thanks to the fact it gets the government's Electric Car Grant that trims £1500 off the purchase price. That keeps the minimum 25% deposit required down to a reasonable £4624, gets you 0% APR and keeps the monthly payments to an affordable £190.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £4623.82 | 23 x £189.66 (£4362.18) | £9509 | £18,495 | 8000 | 31st March 2026 |
Dacia
- The Dacia Spring is available with 3.9% APR over 48 months and a £3750 Dacia EV Grant contribution, and starts at £129 a month
- The Dacia Sandero Stepway has £500 towards your deposit, and the Dacia Duster and Dacia Bigster have £500-£750
- Find out more on these deals
PCP Deal: Dacia Spring Expression Electric 70
£129 a month: 4 year PCP at 3.9% APR with £3750 Dacia EV Grant
The Dacia Spring has been given a thorough refresh, and now features more powerful 70PS and 100PS motors for more performance, a revised chassis with improvements to suspension and brakes, and a better interior spec.
It's also even more affordable than before, with prices starting at £12,240, including a £3750 Dacia Electric Car Grant. That discount is available to finance buyers, too, which means a four-year PCP costs £129 a month with a £2776 deposit, and Dacia is also currently throwing in a free charging cable and £250-worth of charging credit.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £2776 | 48 x £129 (£6182) | £4362 | £17,081 | 6000 | 31st March 2026 |
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- The Fiat Grande Panda starts at £199 a month and has a £250 deposit contribution, the Fiat 600e Hybrid costs from £239 and has £1900-£2175 towards your deposit
- The Fiat Grande Panda Electric and Fiat 500e start at £199 and the Fiat 600e at £279 a month. The 500e has 0% APR on PCP and all three electric models get deposit contributions
- Find out more on these deals
Geely
- The Geely EX5 is available on a four-year PCP at 0% APR, and the EX5 SE (£1400), EX5 Pro (£1700) and Geely EX5 Max (£2200) all have deposit contributions. Monthly payments start at £294
- Find out more on these deals
GWM
- The GWM Ora starts at £249 a month with 0% APR. All models get a £3750 GWM Electric Car Grant
- The Haval Jolion hybrid starts at £259 a month at 5.9% and gets a £2000 GMN Hybrid Grant
- The POER300 pickup starts at £369 a month with 1.9% APR
- Find out more on these deals
Hyundai
- Deposit contributions include the Hyundai i20 (£1250-£2000) so starts from under £295 a month, and Hyundai Bayon (£2000), starting at around £300. The Hyundai Kona, Hyundai Santa Fe and Hyundai Tucson have 0% APR available
- Find out more on these deals
PCP Deal: Hyundai i10 Advance
£199 a month: 4 year PCP at 8.2% APR
The Hyundai i10 used to be incredibly well equipped and extremely cheap. The latter isn't quite true any more, as the most basic model now costs a whopping £19,000 if you go for metallic paint, but the i10 continues to impress with its ability to pack big car equipment and comfort into such a small size, making it a very popular option in financially complicated times. Big deposit here, but you can get an i10 for a very affordable £199 a month as a result.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £6000 | 48 x £199.07 (£9555.36) | £6665.40 | £22,220.76 | 8000 | 31st March 2026 |
Jaecoo
- The Jaecoo 5 starts at £239 a month with 1.9% APR, and the Jaecoo 5 Electric starts at £369 with 3.9% APR
- The Jaecoo 7 starts from £349 a month with 1.9% APR, and the Jaecoo 7 SHS PHEV starts from £379 a month with 0% APR
- Find out more on these deals
PCP Deal: Jaecoo 7 SHS PHEV 1.5T Luxury Auto
£379 a month: 4 year PCP at 0% APR with £500 test drive voucher
The Jaecoo 7 has been selling spectacularly well in the UK, only bested by the Kia Sportage in the first month's SMMT new car sales figures. And there's lots to like, as the 7 is well equipped, decent to look at and has a high-quality interior. It's also really solid value on PCP.
We've given the standard car a swerve and opted for the better-sorted SHS PHEV on a 48-month deal that's £379 a month. It's 0% APR and requires a deposit of less than £2300. There's even a £500 test drive bonus thrown in, too.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £2231.50 | 47 x £379 (£17,813) | £14,620.50 | £35,165 | 8000 | 31st March 2026 |
KGM Motors
- The KGM Actyon, KGM Torres and KGM Korando get a £1000 deposit contribution on a four-year PCP
- The KGM Torres EVX gets £1000 off and a £3750 KGM Electric Car Grant, and starts from £293 a month
- Find out more on these deals
Kia
- Kia is offering zero deposit PCP on all models, plus deposit contributions including the Kia Picanto, Kia Niro PHEV and Kia Sorento (£500), Kia K4 and Kia Stonic (£1000), Kia XCeed, Kia Niro Hybrid and Kia Sportage (Up to £2000)
- There's also £1500 towards the Kia EV5, Kia EV6 and Kia EV9 and £3000 off the Kia EV3 and Kia EV4
- Find out more on these deals
PCP Deal: Kia Picanto 2 1.0
£175 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 in order to get the monthly payments down, but Kia at least chips in an extra £500 to help.
You get 10,000 miles a year to play with on this deal, which makes monthly payments a shade over £175, while dropping this to 6000 brings the monthly cost to £162. If the large deposit is a stretch, Kia also offers a zero deposit deal, with a 6000-mile a year PCP costing from £318 a month.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £5000 | 36 x £175.25 (£6309) | £7107 | £18,916 | 10,000 | 31st March 2026 |
Leapmotor
- The Leapmotor T03 starts at £169 a month with 0% APR, a £169 deposit, £406 deposit contribution and £1500 Leap Grant
- The new Leapmotor B10 starts at £299 with £299 down, a £1261 deposit contribution and £1500 Leap Grant
- The Leapmotor C10 EV starts at £329 a month with 0% APR, a £329 deposit, £416 deposit contribution and £3750 Leap Grant. The C10 hybrid is £399 a month with £399 down and 0% APR
- Find out more on these deals
Mazda
- Deposit contributions include the Mazda2 Hybrid (£1000), Mazda CX-30 (£250), Mazda CX-60 (£500) and Mazda CX-80 (£1000-£2000) all are 0% APR
- The Mazda3 has a £1000 deposit contribution at 3.9% APR, and the Mazda MX-5 is 4.9% APR
- Find out more on these deals
PCP Deal: Mazda2 hybrid Centre-Line
£219 a month: 4 year PCP at 0% APR with £1000 deposit contribution
The Mazda2 hybrid is the Mazda-badged twin of the Toyota Yaris, which means you get all of the remarkably efficient hybrid drivetrain of the Yaris, and its Lexus-like plush ride, but with a Mazda badge on the bonnet and boot instead.
Right now, there's 0% APR on the whole Mazda2 hybrid range, and you get £1000 towards your deposit, so for just over £3500 deposit and £219 a month you could have a car that's definitely not a Yaris in disguise on your drive.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £3634.40 | 47 x £219 (£10,293) | £9653 | £24,580 | 6000 | 31st March 2026 |
MG
- Deposit contributions include the MG4 Urban and MG4 (£1000-£1500 and 0% APR), the MGS5 (£3000 and 0%) and MGS6 (£1500 and 0%)
- The MG IM5 and MG IM6 are 0% APR, and there are deposit contributions on the MG3 (£750-£1250), MG ZS (£750-£1250) and MG HS (£750-£3250) ranges
- Find out more on these deals
PCP Deal: MGS5 EV SE
£199 a month: 4 year PCP at 0% APR with £3000 deposit contribution and £1500 MG EV Car grant
The MGS5 EV is effectively the replacement for the previous-gen MG ZS EV. As with all MG's second generation models, they build on the earlier car's reputation for value with better looks, higher quality interiors and improved infotainment. The MGS5 is no exception, giving a high level of standard kit and strong electric range.
MG is currently offering the S5 at just £199 per month with 0% APR. You also get a deposit contribution of £3000 on the S5, plus MG's Electric Car Grant of £1500, which is equivalent to the government's offer.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £5378 | 48 x £199 (£9552) | £9315 | £27,245 | 8000 | 31st March 2026 |
Nissan
- The Nissan Juke is available from £188 a month with 0% APR or £2000-£3000 towards deposits, 5.49% APR and no customer deposit needed
- The Nissan Qashqai is £235 a month with 0% APR or £2500-£3250 towards deposits with 4.49% APR and no customer deposit needed
- The Nissan Micra gets the government's £1500 Electric Car Grant and starts at £287 a month
- Find out more on these deals
Omoda
- The Omoda 5 starts at £219 a month and the Omoda 5 SHS-H is £249, and both include a £500 test drive voucher and 0% APR
- The Omoda 7 PHEV is 1.9% APR and gets the £500 voucher, and the Omoda 9 is 0% APR
- Find out more on these deals
Peugeot
- Offers include £2500 off the Peugeot 2008, Peugeot 3008 and Peugeot 5008, and hybrid versions of the Peugeot 208, Peugeot 308 and Peugeot 408. A 208 starts at £219 a month
- Deals on electric models include £2500 off the Peugeot e-208, Peugeot e-2008, Peugeot e-3008 and Peugeot e-5008 in addition to the government's £1500 Electric Car Grant on e-208 and e-2008 models
- Find out more on these deals
Renault
- The Renault Clio starts at £199 a month with £250 deposit contribution, the Renault Captur starts at £229 with a £750 deposit contribution and the Renault Symbioz starts at £209 with 0% APR
- The Renault 4 and Renault 5 both start at £249 and most models include the full £3750 government Electric Car Grant. The Renault Megane and Renault Scenic get the £1500 grant
- The Renault Austral and Renault Rafale both start at £349 with £1500 towards deposits
- Find out more on these deals
SEAT
- Deposit contributions are available on the SEAT Ibiza (£2500), SEAT Ateca and SEAT Arona (£3500), SEAT Leon and SEAT Leon Estate (£5000). An Ibiza starts at £220 a month
- All are 6.9% APR and buyers can add the car's first two services for £299
- Find out more on these deals
Skoda
- Deposit contributions are available on the Skoda Fabia (£1750), Skoda Scala (£2000), Skoda Kamiq (£3000), Skoda Kodiaq (£2750-£3500), Skoda Superb (£3250) and Skoda Karoq and Skoda Octavia (£3500). All are also available with 0% APR over 24-36 months depending on model.
- The Skoda Elroq has £2750 towards deposits and the Skoda Enyaq £3750, or with 0% APR
- Find out more on these deals
PCP Deal: Skoda Fabia SE Edition 1.0 MPI 80PS
£304 a month: 2 year PCP at 0% APR
The Skoda Fabia is perhaps the ideal small hatchback. It's very refined and quiet for a small car, comfortable to drive and features plenty of tech, too. The Fabia is available on a 24-month PCP with 0% APR that requires a customer deposit of £3790 and £304 a month, plus there's the option of adding the car's first two services for £299.
For the same deposit, you can opt for a 48-month PCP deal at 5.9% APR with monthly payments of £214. This deal comes with a £1750 deposit contribution.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £3790.12 | 23 x £303.66 (£6984.18) | £10,280.70 | £21,055 | 10,000 | Ongoing |
Skywell
- The Skywell BE11 includes a £3750 EV switch incentive, to match the maximum available from the government's Electric Vehicle Grant, plus £500 towards an Adrian Flux insurance policy
- Find out more on this deal
Smart
- The Smart #1 has a £3500 discount and 0% APR, plus an extra £1500 Smart EV Car Grant, making monthly payments £295
- The Smart #3 has a £1000 discount and 0% APR, plus the £1500 Smart EV Car Grant, so monthly payments start at £335
- The Smart #5 has a £1000 discount, so starts at £489 with 3.9% APR
- Find out more on these deals
Suzuki
- The new Suzuki e Vitara is available at 2.9% APR with a £3750 Suzuki Granted discount
- Deposit contributions include the Suzuki Vitara (£5300), the Suzuki S-Cross (£4050) and Suzuki Across (£2750)
- The Suzuki Swift is available over 49 months with 0% APR and no minimum deposit
- Find out more on these deals
PCP Deal: Suzuki Swift Mild Hybrid Motion
£221 a month: 4 year PCP at 0% APR with zero deposit
The Suzuki Swift has always been one of the better superminis, albeit with space at a premium. The latest model continues that trend, with an all-new engine that's very frugal, plenty of equipment and rear-seat space that's a little tight.
And in order to get you behind the wheel with a minimum of fuss, the Swift is now available on a four-year PCP deal with 0% APR and zero customer deposit required.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £0 | 48 x £220.88 (£10,602.24) | £9097 | £19,699 | 6000 | 31st March 2026 |
Toyota
- PCP deposit contributions include the Toyota Yaris Cross and Toyota Yaris (£1000), Toyota C-HR PHEV (£3000), Toyota Aygo X Hybrid (£2000), Toyota Prius (£2500) and Toyota C-HR and Toyota Corolla (£4000)
- The Aygo X, Yaris, Yaris Cross, Corolla and C-HR can also be had with 0% APR over 24 months and zero customer deposit is also an option, with Aygo X monthly payments starting at less than £300
- Find out more on these deals
Vauxhall
- Discounts include the Vauxhall Corsa and Vauxhall Frontera (£500), Vauxhall Mokka (£625), Vauxhall Astra (£675) and Vauxhall Grandland (£900). All are 0% APR
- Electric variants include the same savings, plus £1500 Electric Car Grants
- Find out more on these deals
PCP Deal: Vauxhall Corsa YES 2025
£176 a month: 4 year PCP at 0% APR with £500 saving
The latest Vauxhall Corsa is the best yet, and comes with the option of petrol, hybrid or electric power, which is worth considering when the deal's right.
We've gone for the cheapest of the three - the 1.2 100PS petrol - which is available with the latest version of Vauxhall's shouty but value-packed YES trim level. This includes LED lighting, a heated steering wheel and front seats, smartphone-compatible infotainment and plenty more, and is currently available with a £500 discount.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £4075.06 | 47 x £176.02 (£8272.94) | £8027 | £20,375 | 6000 | Ongoing |
XPeng
- The XPeng G6 RWD Standard Range starts at £289 a month, the RWD Long Range at £349 and the AWD Performance at £369. All are 0% APR
- Find out more on this deal
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.
