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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. 274 cars live.

Best value Cheapest monthly Cheapest price Newest listings

FuelPetrol Diesel Hybrid ElectricGearboxManual Automatic

Monthly≤£150 ≤£200 ≤£250 ≤£300 ≤£400

Deposit£0 £500 £1,000 £2,000 £3,000 £5,000Term36 mo 42 mo 48 mo 60 mo

Monthlies below are our estimates for a £3,000 deposit over 60 months, at cinch’s representative 12.4% APR (balloon re-estimated for the term) — the checkout quote may differ slightly.

Volkswagen Golf

2.0 TDI Life 5dr DSG

202341,914 milesDiesel

£203/mo est.£16,499

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Volkswagen Golf

2.0 TDI 150 Style 5dr DSG

202271,664 milesDiesel

£164/mo est.£13,999

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Volkswagen Golf

2.0 TDI Style 5dr

202154,348 milesDiesel

£181/mo est.£14,880

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57× value−£350

Audi A3

30 TDI Sport 5dr [Comfort+Sound]

202050,726 milesDiesel

£185/mo est.£15,048

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56× value−£500

Audi A3

35 TDI S Line 5dr S Tronic

202072,031 milesDiesel

£187/mo est.£15,099

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Volkswagen Golf

2.0 TDI Life 5dr DSG

202264,013 milesDiesel

£185/mo est.£14,889

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56× value−£500

Audi A3

35 TDI Technik 5dr S Tronic

202359,143 milesDiesel

£204/mo est.£15,999

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Audi A3

35 TDI Sport 5dr S Tronic

202175,464 milesDiesel

£188/mo est.£14,999

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Audi A4 Avant

30 TDI S Line 5dr S Tronic

202082,626 milesDiesel

£202/mo est.£15,813

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55× value−£350

Audi A3

35 TDI Technik 5dr S Tronic [Comfort+Sound]

202285,468 milesDiesel

£171/mo est.£13,967

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SEAT Leon

2.0 TDI 150 FR 5dr

202373,127 milesDiesel

£163/mo est.£13,466

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Audi A3

30 TDI Technik 5dr

202169,067 milesDiesel

£162/mo est.£13,380

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55× value−£650

Ford Kuga

1.5 EcoBlue Titanium Edition 5dr

202156,636 milesDiesel

£137/mo est.£11,899

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BMW 1 Series

116d SE 5dr Step Auto

202034,295 milesDiesel

£190/mo est.£14,999

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54× value−£350

Ford Kuga

1.5 EcoBlue Zetec 5dr

202246,710 milesDiesel

£142/mo est.£12,119

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DS DS 3 Crossback

1.5 BlueHDi Prestige 5dr

202148,717 milesDiesel

£112/mo est.£10,399

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Citroen C4

1.5 BlueHDi Sense 5dr

202261,811 milesDiesel

£98/mo est.£9,554

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54× value−£400

BMW 2 Series Gran Coupe

218d M Sport 4dr Step Auto

202283,194 milesDiesel

£197/mo est.£15,349

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BMW 2 Series

218d Sport 2dr Step Auto [Nav]

202024,773 milesDiesel

£200/mo est.£15,519

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54× value−£450

BMW X1

sDrive 18d M Sport 5dr

202181,546 milesDiesel

£186/mo est.£14,675

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Mercedes-Benz A-Class

A220d AMG Line Executive 4dr Auto

202175,464 milesDiesel

£200/mo est.£15,503

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54× value−£350

Citroen C4

1.5 BlueHDi Sense 5dr

202229,777 milesDiesel

£131/mo est.£11,498

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54× value−£500

Mercedes-Benz C-Class

C300d AMG Line 2dr 9G-Tronic

201977,063 milesDiesel

£184/mo est.£14,499

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SEAT Leon

2.0 TDI SE 5dr

202341,755 milesDiesel

£190/mo est.£14,820

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