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Cheap PCP car finder

Every car on cinch ranked by deposit-neutral PCP value — how many pounds of car each pound of monthly payment buys, with cinch’s £2,000 default deposit spread back into the monthly (12.4% APR, 48 months — their own representative terms). Higher is better. 331 cars live.

Best valueCheapest monthlyCheapest priceNewest listings
FuelPetrolDieselHybridElectricGearboxManualAutomatic
Monthly≤£150≤£200≤£250≤£300≤£400
Deposit£0£500£1,000£2,000£3,000£5,000Term36 mo42 mo48 mo60 mo

Monthlies below are our estimates for a £0 deposit over 48 months, at cinch’s representative 12.4% APR — the checkout quote may differ slightly.

54× value

MG MG4

150kW Trophy EV Long Range 64kWh 5dr Auto

202223,611 milesElectric

£263/mo est.£14,199
See it on cinch
54× value

MG MG4

150kW Trophy EV Long Range 64kWh 5dr Auto

202324,105 milesElectric

£273/mo est.£14,699
See it on cinch
54× value

MG MG4

150kW Trophy EV Long Range 64kWh 5dr Auto

202333,201 milesElectric

£260/mo est.£13,999
See it on cinch
54× value

Volkswagen ID.3

150kW 1ST Edition Pro Power 58kWh 5dr Auto

202021,885 milesElectric

£269/mo est.£14,494
See it on cinch
54× value

Volkswagen ID.3

107KW Family Pro 58kWh 5dr Auto

202323,200 milesElectric

£287/mo est.£15,449
See it on cinch
54× value

MG MG4

150kW SE EV Long Range 64kWh 5dr Auto

202315,309 milesElectric

£260/mo est.£13,999
See it on cinch
54× value

MG MG4

150kW SE EV Long Range 64kWh 5dr Auto

202324,963 milesElectric

£249/mo est.£13,399
See it on cinch
54× value

Volkswagen ID.3

150kW Family Pro Performance 58kWh 5dr Auto

202238,467 milesElectric

£266/mo est.£14,299
See it on cinch
54× value

MG MG4

150kW Trophy EV Long Range 64kWh 5dr Auto

202328,368 milesElectric

£268/mo est.£14,399
See it on cinch
54× value

Volkswagen ID.3

150kW Family Pro Performance 58kWh 5dr Auto

202231,170 milesElectric

£279/mo est.£14,999
See it on cinch
54× value

Vauxhall Mokka

100kW Ultimate 50kWh 5dr Auto

202333,447 milesElectric

£233/mo est.£12,499
See it on cinch
54× value−£300

Mazda MX-30

107kW GT Sport Tech 35.5kWh 5dr Auto

202132,020 milesElectric

£180/mo est.£9,670
See it on cinch
54× value

Polestar 2

170kW 78kWh Long Range Single motor 5dr Auto

202277,793 milesElectric

£280/mo est.£14,999
See it on cinch
53× value

MG MG4

150kW Trophy EV Long Range 64kWh 5dr Auto

202322,145 milesElectric

£288/mo est.£15,399
See it on cinch
53× value

Vauxhall Mokka

100kW Ultimate 50kWh 5dr Auto

202411,300 milesElectric

£271/mo est.£14,499
See it on cinch
53× value

MG MG4

150kW Trophy EV Long Range 64kWh 5dr Auto

202335,076 milesElectric

£262/mo est.£13,999
See it on cinch
53× value

MG MG4

150kW Trophy EV Long Range 64kWh 5dr Auto

202329,464 milesElectric

£271/mo est.£14,499
See it on cinch
53× value

Vauxhall Mokka

100kW Ultimate 50kWh 5dr Auto

20244,091 milesElectric

£281/mo est.£14,999
See it on cinch
53× value

MG MG4

150kW Trophy EV Long Range 64kWh 5dr Auto

202334,307 milesElectric

£264/mo est.£14,099
See it on cinch
53× value−£350

Vauxhall Mokka

100kW Ultimate 50kWh 5dr Auto

202326,418 milesElectric

£238/mo est.£12,699
See it on cinch
53× value

MG MG4

150kW SE EV Long Range 64kWh 5dr Auto

202416,578 milesElectric

£281/mo est.£14,999
See it on cinch
53× value−£500

MG MG4

125kW SE EV 51kWh 5dr Auto

202317,088 milesElectric

£239/mo est.£12,763
See it on cinch
53× value

MG MG4

150kW Trophy EV Long Range 64kWh 5dr Auto

202334,693 milesElectric

£264/mo est.£14,099
See it on cinch
53× value

Vauxhall Mokka

100kW Ultimate 50kWh 5dr Auto

20244,857 milesElectric

£281/mo est.£14,999
See it on cinch
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