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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. 185 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 £5,000 deposit over 48 months, at cinch’s representative 12.4% APR — the checkout quote may differ slightly.

57× value

Volkswagen Golf

2.0 TDI Style 5dr

202154,348 milesDiesel

£130/mo est.£14,880
See it on cinch
57× value−£350

Audi A3

30 TDI Sport 5dr [Comfort+Sound]

202050,726 milesDiesel

£135/mo est.£15,048
See it on cinch
55× value

SEAT Leon

2.0 TDI 150 FR 5dr

202373,127 milesDiesel

£114/mo est.£13,466
See it on cinch
55× value

Audi A3

30 TDI Technik 5dr

202169,067 milesDiesel

£113/mo est.£13,380
See it on cinch
55× value−£650

Ford Kuga

1.5 EcoBlue Titanium Edition 5dr

202156,636 milesDiesel

£86/mo est.£11,899
See it on cinch
54× value−£350

Ford Kuga

1.5 EcoBlue Zetec 5dr

202246,710 milesDiesel

£92/mo est.£12,119
See it on cinch
54× value

DS DS 3 Crossback

1.5 BlueHDi Prestige 5dr

202148,717 milesDiesel

£60/mo est.£10,399
See it on cinch
54× value

Citroen C4

1.5 BlueHDi Sense 5dr

202261,811 milesDiesel

£45/mo est.£9,554
See it on cinch
54× value−£450

BMW X1

sDrive 18d M Sport 5dr

202181,546 milesDiesel

£140/mo est.£14,675
See it on cinch
54× value−£350

Citroen C4

1.5 BlueHDi Sense 5dr

202229,777 milesDiesel

£81/mo est.£11,498
See it on cinch
54× value

SEAT Leon

2.0 TDI SE 5dr

202341,755 milesDiesel

£145/mo est.£14,820
See it on cinch
53× value

BMW 1 Series

116d M Sport 5dr

202074,497 milesDiesel

£122/mo est.£13,499
See it on cinch
53× value

Ford Kuga

2.0 EcoBlue mHEV ST-Line Edition 5dr

202161,340 milesDiesel

£118/mo est.£13,282
See it on cinch
53× value

Ford Kuga

1.5 EcoBlue Titanium Edition 5dr

202151,145 milesDiesel

£109/mo est.£12,799
See it on cinch
53× value

Ford Kuga

1.5 EcoBlue Titanium 5dr

202070,340 milesDiesel

£79/mo est.£11,147
See it on cinch
53× value

Volkswagen Tiguan

2.0 TDI Life 5dr

202268,117 milesDiesel

£152/mo est.£14,999
See it on cinch
53× value

Ford Kuga

2.0 EcoBlue mHEV Titanium First Edition 5dr

202065,184 milesDiesel

£103/mo est.£12,301
See it on cinch
52× value

Vauxhall Combo Life

1.5 Turbo D 130 Energy 5dr

202063,422 milesDiesel

£71/mo est.£10,598
See it on cinch
52× value

BMW X1

sDrive 18d M Sport 5dr

202082,078 milesDiesel

£136/mo est.£13,999
See it on cinch
52× value

Ford Kuga

2.0 EcoBlue mHEV ST-Line Edition 5dr

202145,971 milesDiesel

£151/mo est.£14,799
See it on cinch
52× value

Citroen C5 Aircross

1.5 BlueHDi 130 Flair Plus 5dr

202147,935 milesDiesel

£92/mo est.£11,679
See it on cinch
52× value

Ford Kuga

2.0 EcoBlue mHEV ST-Line First Edition 5dr

202056,814 milesDiesel

£131/mo est.£13,694
See it on cinch
52× value

Volkswagen T-Roc

1.6 TDI Design 5dr

201933,827 milesDiesel

£147/mo est.£14,498
See it on cinch
52× value

SEAT Ateca

2.0 TDI 150 SE Technology 5dr

202282,828 milesDiesel

£100/mo est.£11,999
See it on cinch
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