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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. 4 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 42 months, at cinch’s representative 12.4% APR (balloon re-estimated for the term) — the checkout quote may differ slightly.

49× value−£300

Toyota Aygo

1.0 VVT-i X-Play 5dr

201978,313 milesPetrol

£141/mo est.£6,504
See it on cinch
49× value

Kia Picanto

1.25 2 5dr

201986,141 milesPetrol

£144/mo est.£6,599
See it on cinch
48× value

Peugeot 108

1.0 72 Collection 5dr

201950,299 milesPetrol

£145/mo est.£6,453
See it on cinch
46× value

Peugeot 108

1.0 72 Active 5dr

201858,050 milesPetrol

£150/mo est.£6,399
See it on cinch