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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. 2,431 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 £5,000 deposit over 48 months, at cinch’s representative 12.4% APR — the checkout quote may differ slightly.

SEAT Ibiza

1.0 TSI 115 SE Technology 5dr DSG

202613 milesPetrol

£156/mo est.£17,389

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SKODA SCALA

1.0 TSI 95 SE L 5dr

20252,197 milesPetrol

£130/mo est.£15,759

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59× value−£350

SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

202512,928 milesPetrol

£129/mo est.£15,389

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SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

202515,536 milesPetrol

£123/mo est.£14,979

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59× value−£700

SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

202516,270 milesPetrol

£125/mo est.£15,089

See it on cinch

59× value−£300

SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

20258,686 milesPetrol

£140/mo est.£15,899

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KGM Tivoli

1.5 K40 5dr Auto

20244,617 milesPetrol

£108/mo est.£13,999

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Audi A3

30 TFSI Sport 5dr

202121,149 milesPetrol

£131/mo est.£15,289

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Volkswagen T-Cross

1.0 TSI 110 SEL 5dr

202431,450 milesPetrol

£126/mo est.£14,999

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58× value−£450

SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

202512,555 milesPetrol

£140/mo est.£15,789

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58× value−£400

Volkswagen T-Roc

1.5 TSI EVO R-Line 5dr

202156,902 milesPetrol

£127/mo est.£14,999

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MINI Hatchback

1.5 Cooper Sport 3dr Auto

202152,198 milesPetrol

£118/mo est.£14,499

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SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

202513,827 milesPetrol

£137/mo est.£15,594

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58× value−£500

SKODA SCALA

1.0 TSI 116 SE Edition 5dr

202512,853 milesPetrol

£129/mo est.£15,089

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SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

202514,447 milesPetrol

£138/mo est.£15,589

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SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

20256,314 milesPetrol

£154/mo est.£16,489

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SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

202513,852 milesPetrol

£140/mo est.£15,699

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Volkswagen T-Cross

1.0 TSI 115 Match 5dr

202525,569 milesPetrol

£154/mo est.£16,499

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58× value−£300

SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

202513,380 milesPetrol

£142/mo est.£15,789

See it on cinch

58× value−£300

SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

202511,071 milesPetrol

£147/mo est.£16,049

See it on cinch

58× value−£450

Volkswagen T-Cross

1.0 TSI 115 Match 5dr

202533,069 milesPetrol

£146/mo est.£15,999

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SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

202511,246 milesPetrol

£150/mo est.£16,199

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SKODA SCALA

1.0 TSI 116 SE Edition 5dr DSG

202514,331 milesPetrol

£143/mo est.£15,799

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Volkswagen T-Cross

1.0 TSI 115 Match 5dr

202528,441 milesPetrol

£155/mo est.£16,499

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