Best Cars for £149 and less a Month - December 2025
Looking for the cheapest PCP car deals on offer in the UK today? You've come to the right place.
The days of a PCP deal on a new car that required £99 or less per month are sadly receding in the rear-view mirror. However, there are still great, affordable PCP deals on new cars out there for just a little more on your monthly payment, and still well below the UK average finance payment of £400 a month.
These deals take a little more effort to find, and can require either a slightly bigger deposit or a little compromise with the type of car you end up driving away with, but they are out there. What's more, this page is here to help. Updated regularly, this is where you'll find the best value new-car PCP deals we've found online.
We're including some great used-car PCP deals here, too. We'll aim to highlight some of the more affordable models on the heycar website, all backed by a warranty and money back guarantee should your choice of car not quite be the fit you thought it might.
It's still worth remembering that whether you opt for a PCP car finance deal on a new car or a used one, it represents a significant long-term financial commitment because you pay for the car over monthly instalments, so it might not be for everyone. Make sure you budget for the length of the agreement, not just the deposit and first month's payment.
How does Personal Contract Purchase (PCP) car finance work?
A Personal Contract Purchase (PCP) is a financial agreement that usually takes the form of a lump sum deposit followed by smaller monthly payments. This covers the cost of the car's depreciation as well as paying the lender a small premium on the loan. At the end of the agreement, a PCP gives you the option to return the car, trade and upgrade to a new PCP deal, or buy the car by settling a final balloon payment.
The FCA (Financial Conduct Authority) requires that everything is clearly broken down when looking at a PCP car deal. So, as well as knowing your initial deposit, monthly payments and balloon sum final payment, the length of the agreement will also be clearly labelled, as will the interest you're paying on the finance, the agreed annual mileage and the cost per mile if you exceed it. Take your time to read this information carefully to make sure your PCP payments remain within your budget from beginning to end of the deal.
Best New Cars for £149 a month or less in December 2025
New Dacia Spring Expression Electric 70 for £129 a month
As a champion value-packed brand, it's no surprise to see the Dacia Spring is offered with an affordable PCP deal. Not least thanks to the fact that Dacia has just introduced an upgraded version of the Spring with more power and kit for less cash, thanks to a £3750 Dacia Electric Car Grant to match the one offered by the government on eligible vehicles. Thanks to the grant, Spring prices start at £12,240, or just £129 a month.
- OTR price: £12,240
- Deposit: £2776
- Monthly payments: 48 x £129 (£6129)
- Optional final payment: £4362
- Total payable: £17,081
- Mileage per year: 6000
- Representative APR: 3.9%
- Deal ends: 31 March 2026
New Suzuki Swift Motion CVT for £119 a month with 0% APR
The latest Suzuki Swift features a much-improved interior that's packed with equipment, even on entry-level models. It's also super affordable and manages to keep the character that made its predecessors such likeable little cars.
This deal requires a £5050 deposit, but you get 0% APR over two years and monthly payments of just £119. There's even a reasonable 8000-mile per year mileage limit, giving you enough to succumb to the charms of this small hatchback.
- OTR price: £20,949
- Deposit: £5050
- Monthly payments: 24 x £119 (£2856)
- Optional final payment: £13,043
- Total payable: £20,949
- Mileage per year: 8000
- Representative APR: 0%
- Deal ends: 31 December 2025
New Hyundai i10 Advance for £149 a month
The Hyundai i10 has an impressive trick up its sleeve in that, when you drive one, you could swear you're driving a car from a class above. Riding comfortably and well equipped for the price, the i10 is more capable than its tiny dimensions might imply. This deal is for an entry level i10 Advance and comes with Hyundai's five-year warranty, but is limited to 6000 miles a year and requires a fairly solid £6700 customer deposit.
- OTR price: £17,700
- Deposit: £6700
- Monthly payments: 48 x £148.32 (£7119.36)
- Optional final payment: £6860.34
- Total payable: £20,679.70
- Mileage per year: 6000
- Representative APR: 8.4%
- Deal ends: 4 January 2026
New Kia Picanto Pure for £150 a month with £500 deposit contribution
The Kia Picanto is a compact city car with space for five, recently facelifted to freshen-up its looks inside and out. Although Kia gently nudges you towards the feature-packed GT-Line trim, we've gone for an entry level Picanto Pure, and added a not-insignificant £5400 customer deposit to the £500 deposit contribution from Kia to keep the monthly payments at £150 a month. You can get a Picanto with £0 down, too, but this takes the monthly payment up to £319 with the same conditions as below.
- OTR price: £16,745
- Deposit: £5400 (+ £500 Kia deposit contribution)
- Monthly payments: 36 x £149.94 (£5397.84)
- Optional final payment: £7628
- Total payable: £18,925.84
- Mileage per year: 6000
- Representative APR: 7.9%
- Deal ends: 31 March 2026
Leapmotor T03 for £169 a month with 0% APR, £169 customer deposit and £1500 Leap Grant
If you're interested in a bargain electric car and don't fancy a Dacia Spring, then the Leapmotor T03 could be of interest. Despite its bargain £15,995 price, it's pretty well equipped and well made, and if you're looking for a PCP deal a T03 will set you back just £169 a month over 48 months with a £169 customer deposit.
This deal includes 0% APR, a £708 deposit contribution and a £1500 Leap Grant equivalent to the government's Electric Car Grant.
- OTR price: £14,495
- Deposit: £169 (+ £708 Leapmotor contribution and £1500 Leap Grant)
- Monthly payments: 47 x £169 (£7943)
- Optional final payment: £5765
- Total payable: £14,495
- Mileage per year: 6000
- Representative APR: 0%
- Deal ends: 31 December 2025
Best Used Cars for £149 a month or less in December 2025
Used 2022 Vauxhall Corsa 1.2 Elite Edition for £146 a month
The Vauxhall Corsa is the sort of car that's easy to take for granted, as it's often to be seen riding the only kerb in a supermarket carpark or having its clutch decimated by a learner driver. However, the Corsa is part of the UK's driving landscape. What's more, it should also be noted that the current one is the best yet, and really very good value, as it's well equipped, affordable to run, and something of a bargain when lightly used.
- Price: £8,999
- Monthly payments: £146, plus £1349 deposit
- Mileage: 51,490
- Fuel type: Petrol
- Number of owners: 1
Used 2022 Toyota Aygo X Pure for £146 a month
The Toyota Aygo X brings the city car up to date by giving it a trendy SUV-inspired makeover. The Aygo X combines all the small-car features of the old Aygo, like being easy to drive in town and well equipped as standard, and adds SUV styling to help fend off wayward trolleys. There are plenty available for our £149 a month budget, and should prove to be money well spent.
- Price: £11,246
- Monthly payments: £146, plus £1686 deposit
- Mileage: 14,661
- Fuel type: Petrol
- Number of owners: 1
Used 2021 Nissan Leaf Acenta for £153 a month
While some carmakers are still battling to get their first-generation electric cars to market, 2025 marks the year that the third iteration of the Nissan Leaf will arrive in showrooms. And while the new car might not be to everyone's budget, the well equipped, spacious outgoing model is worth a look on the used market as it's now quite the bargain. This one-owner Leaf is a case in point, as it has done under 34,000 miles, which means its battery warranty runs until 2029 or for over 66,000 more miles.
- Price: £8978
- Monthly payments: £153, plus £1346 deposit
- Mileage: 33,127
- Fuel type: Electric
- Number of owners: 1
Used 2021 Dacia Sandero Comfort for £159 a month
If you're after space for your money, the Dacia Sandero simply gives you more car for your cash than any of its value-conscious rivals. Unlike tiny city cars, the Sandero is a proper small hatchback that's big enough for four adults and luggage. It may not be as well equipped as its rivals, and it has a pretty industrial look in no-frills Essential trim, but the Sandero is good to drive and comfortable, too. This one was just over our £149 a month budget at the time of writing, but the customer deposit was on the small side.
- Price: £8990
- Monthly payments: £159, plus £1348 deposit
- Mileage: 26,308
- Fuel type: Petrol
- Number of owners: 1
Used 2020 SEAT Ibiza Xcellence for £165 a month
The SEAT Ibiza is right up there as one of the best small hatchbacks on the road, offering a little more design panache and driving flair than the Skoda Fabia or Volkswagen Polo. We spotted this two-owner Ibiza on sale at a main SEAT dealer in Xcellence trim, but that still includes 17-inch alloys, LED headlights and smartphone-compatible infotainment. Slightly over budget, but still worth considering as it's plenty of car for the cash.
- Price: £10,900
- Monthly payments: £165, plus £1635 deposit
- Mileage: 49,889
- Fuel type: Petrol
- Number of owners: 2
Cheap PCP Car Deal FAQs
If you're looking for the cheapest new-car PCP deals, it's worth avoiding March and September, which is when the registrations come in, and dealers will have no problems meeting sales targets. However, if you try February - traditionally the quietest sales month of the year - or August, there's a better chance of a deal in case sales targets haven't quite been achieved.
The UK seems to be following the US with deals targeted around major holidays, so Easter, Black Friday, and Christmas are good times to get a deal, with the latter one of the quietest times for dealers as customers are generally out buying gifts instead.
If you're looking for a specific type of car, it's worth nothing when popular models are due to be replaced or given a facelift - usually around three years after launch. If you're not bothered about driving the absolute latest model, there's always a deal to be done to shift old stock to make way for new inventory.
Once you've put down your deposit, the number of monthly payments depends on your agreement. The deals we've selected on new cars tend to range from two years, which is popular for those offering 0% APR, up to four years. Two, three or four-year deals are common, while some firms like Vauxhall offer five-year PCP on its electric vehicles. What's most important is you remember to account for your deposit and the amount you'll need to pay each and every month of your PCP agreement before you sign up, in order to avoid financial headaches down the line.
As part of the PCP agreement process, you'll lock in an annual mileage figure. This is crucial as it helps to determine the vehicle's value at the contract's end, and thus has an impact on how much your monthly payments will be.
It's best to figure out a realistic mileage limit when arranging your agreement, so you're not hit with a charge for exceeding the agreed mileage when your PCP deal comes to an end. In most PCP car deals, annual mileage is capped at 10,000 miles, but check the terms to ensure this is not less, as the small print on some deals caps the number of miles to just 6000 in order to give an appealingly low monthly payment to generate attention.
One of the reasons that PCP is so popular is that it is very flexible. Not only can you opt for a new PCP or simply hand back the car at the end of the agreement, it also gives you the option of buying the car outright at the end of the deal. If you like the car and can afford the final balloon payment, you pay up and the car's logbook will reflect that you're the one and only owner of the car. Once it's yours, monthly payments and agreed annual mileage limits are a thing of the past. If you lease a car rather than doing a PCP, you're still paying for the car's depreciation, but you won't have any option to buy the car at the end of the agreement.
Alongside the fact that you get charged for driving more than the agreed miles in your PCP deal, you're also obliged to look after the car as though it were yours. That means you'll need to service the car on time, as recommended by the manufacturer, and often at a main dealer. You'll need your own insurance, and if the car gets damaged, you'll need to arrange to have it fixed at an approved workshop and pay for the repairs before the end of the deal, too.
It's also a good idea to think about getting Guaranteed Asset Protection (GAP) insurance. This insurance helps cover the cost if your car is written off and it's worth less than what you still owe on the PCP agreement.
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