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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. 268 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 £2,000 deposit over 36months, at cinch’s representative 12.4% APR (balloon re-estimated for the term) — the checkout quote may differ slightly.

39× value

Citroen C3 Aircross

1.6 BlueHDi 120 Flair 5dr

201719,712 milesDiesel

£235/mo est.£9,349
See it on cinch
39× value

Kia Sportage

1.7 CRDi ISG 2 5dr

201751,000 milesDiesel

£259/mo est.£9,999
See it on cinch
38× value

Vauxhall Mokka X

1.6CDTi [136] ecoFLEX Design Nav 5dr

201759,007 milesDiesel

£182/mo est.£7,499
See it on cinch
38× value

Ford Focus

2.0 TDCi Titanium X 5dr

201767,968 milesDiesel

£223/mo est.£8,733
See it on cinch
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