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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. 583 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 £500 deposit over 42 months, at cinch’s representative 12.4% APR (balloon re-estimated for the term) — the checkout quote may differ slightly.

57× value

Ford Fiesta

1.0 EcoBoost ST-Line 5dr

202341,488 milesPetrol

£186/mo est.£10,999
See it on cinch
56× value

Toyota Aygo X

1.0 VVT-i Edge 5dr

202318,733 milesPetrol

£190/mo est.£11,149
See it on cinch
56× value

Toyota Aygo X

1.0 VVT-i Edge 5dr

202317,206 milesPetrol

£192/mo est.£11,199
See it on cinch
56× value

Toyota Aygo X

1.0 VVT-i Edge 5dr

202315,774 milesPetrol

£194/mo est.£11,299
See it on cinch
56× value

Toyota Aygo X

1.0 VVT-i Edge 5dr

202323,632 milesPetrol

£188/mo est.£10,949
See it on cinch
56× value

Toyota Aygo X

1.0 VVT-i Edge 5dr

202328,059 milesPetrol

£185/mo est.£10,749
See it on cinch
56× value

Toyota Aygo X

1.0 VVT-i Edge 5dr

202320,738 milesPetrol

£192/mo est.£11,149
See it on cinch
56× value

Toyota Aygo X

1.0 VVT-i Pure 5dr

202216,166 milesPetrol

£177/mo est.£10,349
See it on cinch
56× value−£300

Toyota Aygo X

1.0 VVT-i Pure 5dr

202222,001 milesPetrol

£173/mo est.£10,099
See it on cinch
55× value−£300

Volkswagen T-Cross

1.0 TSI 110 SEL 5dr

202274,982 milesPetrol

£197/mo est.£11,321
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55× value

Toyota Aygo X

1.0 VVT-i Pure 5dr

202319,211 milesPetrol

£188/mo est.£10,799
See it on cinch
55× value

Toyota Aygo X

1.0 VVT-i Pure 5dr

202318,586 milesPetrol

£189/mo est.£10,849
See it on cinch
55× value

Toyota Aygo X

1.0 VVT-i Pure 5dr

202219,953 milesPetrol

£184/mo est.£10,499
See it on cinch
55× value

MINI Hatchback

1.5 Cooper Classic 5dr

202274,732 milesPetrol

£175/mo est.£9,999
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55× value−£350

Toyota Aygo X

1.0 VVT-i Edge 5dr

202215,536 milesPetrol

£197/mo est.£11,149
See it on cinch
55× value

Toyota Aygo X

1.0 VVT-i Pure 5dr

202217,457 milesPetrol

£186/mo est.£10,599
See it on cinch
55× value

Toyota Aygo X

1.0 VVT-i Pure 5dr

202217,473 milesPetrol

£186/mo est.£10,599
See it on cinch
54× value

SKODA KAMIQ

1.0 TSI 95 SE Drive 5dr

202250,533 milesPetrol

£199/mo est.£11,171
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54× value

Nissan Juke

1.0 DiG-T 114 Visia 5dr

202328,253 milesPetrol

£196/mo est.£10,994
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54× value

MG ZS

1.5 VTi-TECH Exclusive 5dr

202247,282 milesPetrol

£198/mo est.£11,099
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54× value

DS DS 3 Crossback

1.5 BlueHDi Prestige 5dr

202148,717 milesDiesel

£185/mo est.£10,399
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54× value

Toyota Aygo X

1.0 VVT-i Pure 5dr

202332,752 milesPetrol

£187/mo est.£10,494
See it on cinch
54× value

Citroen C4

1.5 BlueHDi Sense 5dr

202261,811 milesDiesel

£169/mo est.£9,554
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54× value−£300

Toyota Aygo X

1.0 VVT-i Pure 5dr

202366,195 milesPetrol

£159/mo est.£8,999
See it on cinch
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