The cheapest car deals on PCP finance

Version 1.0 Mild Hybrid 500 | Target PCP £141 | Target Price £15,854 | The deal Four years' PCP finance with 5.7% APR and £2000 finance contribution. Limit of 8000 miles per year

The Fiat 500 Hybrid is one of the cheapest small cars around, helping to present itself as a credible option if you're not tempted by the fully electric (and more expensive) Fiat 500 Electric. It offers similarly stylish looks, and its tiny dimensions make it ideal for driving around town. Don't be fooled by the hybrid name, though, because it's only a mild hybrid, meaning a tiny electric motor helps boosts the engine to improve performance and fuel economy. It can't run solely on electric power for short distances like a regular hybrid can. 

Read our in-depth Fiat 500 Hybrid review

Version 1.0 VVT-i Edge | Target PCP £153 | Target Price £15,965 | The deal Three and a half years' PCP finance with 2.9% APR and £300 finance contribution. Limit of 8000 miles per year

The Aygo X blends small car affordability with chunky SUV styling. And while it's an SUV in name only, it's a decent offering that's good to drive, cheap to run and well equipped. The Edge trim quoted here is our favourite version, and comes with 18in alloy wheels, automatic headlights and air conditioning as standard. All models come with a good amount of safety kit, too, including automatic emergency braking (AEB), lane-keep assist and six airbags.

Read our in-depth Toyota Aygo X review

Version 1.0 TCe Essential | Target PCP £165 | Target Price £13,537 | The deal Four years' PCP finance with 6.9% APR. Limit of 8000 miles per year

Cheap small cars can feel compromised in areas such as quality and driving dynamics, but the Dacia Sandero bucks that trend, being comfortable to drive, spacious and practical. The version quoted here is powered by a 89bhp 1.0-litre petrol engine, and it will officially sprint from 0-62mph in 12.2sec. While that's slower than the 94bhp VW Polo, it doesn’t feel as sluggish as that figure suggests, giving you plenty of low and mid-range shove. Essential trim is reasonably well equipped for the money, and includes cruise control, front electric windows and air conditioning as standard.

Read our in-depth Dacia Sandero review

Version 45 Expression | Target PCP £179 | Target Price £14,708 | The deal Four years' PCP finance with 3.9% APR. Limit of 8000 miles per year

Until recently, the idea of an electric car being one of the cheapest new cars in the UK would have seemed crazy. However, the arrival of the Dacia Spring has changed that, but it does come at a cost. For example, the version quoted here is powered by a 44bhp electric motor, which means it can go from 0-62mph in a glacial 19.1 seconds. Powering the electric motor is small 26.8kWh battery, too, which means it can only manage 140 miles between charges officially. That said, the Spring is nippier than you'd expect, plus the ride is surprisingly comfortable. It's a great option if you live in a city, but otherwise the Citroën ë-C3 is a better all-rounder if you need more than just an urban runabout.

Read our in-depth Dacia Spring review

Version 1.0 MPi Advance [Auto] | Target PCP £182 | Target Price £15,307 | The deal Four years' PCP finance with 8.9% APR. Limit of 8000 miles per year

The Hyundai i10 makes a great choice if you're looking for a small car on a budget. It's relatively spacious and smart inside, plus it rides and drives better than plenty of larger, more expensive alternatives. All models come well equipped, too, with this entry-level Advance trim giving you an 8.0in infotainment screen and a reversing camera as standard. As with some other cars on this list, the entry-level 1.0-litre engine quoted here is a little underpowered and is better suited for driving around town.

Read our in-depth Hyundai i10 review

Version 1.0 TCe Bi-Fuel Expression | Target PCP £182 | Target Price £15,986 | The deal Four years' PCP finance with 6.9% APR and £500 finance contribution. Limit of 8000 miles per year

The Sandero Stepway offers many of the benefits of the regular Sandero, including its practical interior and punchy engines, but adds a slightly raised ride height, roof rails and chunky plastic cladding to give it a more rugged look. Indeed, you also get a slightly higher driving position – a factor that many small SUV buyers look for. Expression trim gives you plenty of kit as standard, including an 8.0in touchscreen, cruise control and automatic wipers.

Read our in-depth Dacia Sandero Stepway review

Version 1.0 TCe 90 Evolution | Target PCP £183 | Target Price £16,212 | The deal Four years' PCP finance with 6.9% APR and £800 finance contribution. Limit of 8000 miles per year

If you're looking for a small car, the Renault Clio is the best you can buy. We named it our 2024 Small Car of the Year on account of its competitive pricing, smart interior, comfortable ride and practical boot. While this Evolution version isn't our favourite (that's Techno), it does still come well equipped, with full LED headlights, automatic windscreen wipers and keyless start offered as standard. The 90bhp 1.0-litre petrol engine is a good match for it, particularly when it comes to buying and running costs. Indeed, it's more affordable to buy than the hybrid version, and yet it's still very efficient; we managed an average of 46.3mpg during our real-world driving route.

Read our in-depth Renault Clio review

Version Comfort | Target PCP £184 | Target Price £28,868 | The deal Four years' PCP finance with 0.5% APR. Limit of 8000 miles per year 

You might be surprised to see another electric car on this list, but the BYD Dolphin is one of the more affordable new electric cars in the UK (although the Citroën ë-C3, Dacia Spring and MG4 all undercut it). While the Dolphin doesn't handle particularly well because of its overly soft suspension, it does have a comfortable ride and plenty of interior space. This Comfort version has a good official range of 265 miles, thanks to its 60.5kWh (usable) battery. But that's still more than the ë-C3, Spring and MG 4 SE can manage.

Read our in-depth BYD Dolphin review

Version 1.0 TCe 100 Bi-Fuel Expression | Target PCP £186 | Target Price £17,991 | The deal Four years' PCP finance with 7.9% APR and £750 finance contribution. Limit of 8000 miles per year

With its low price, good equipment levels and decent resale values, the Dacia Duster represents good value for money, particularly with the version quoted here, which is the outgoing model. As a result of its keen pricing, you do have to live with certain compromises, including a cheap interior, wallowy handling and a poor Euro NCAP safety rating. The Duster's trump card compared with the likes of the Nissan Juke and MG ZS is that it's quite utilitarian, which means it can do some light off-roading if the need ever arises. Mind you, the four-wheel drive versions will be better at this if you ever need to leave the Tarmac. 

Read our in-depth Dacia Duster review

Version 1.0 Mild Hybrid Top [Touchscreen] | Target PCP £190 | Target Price £15,552 | The deal Four years' PCP finance with 9.9% APR and £750 finance contribution. Limit of 8000 miles per year

It may be stylish and cheap, but we'd recommend avoiding the Fiat Panda. It's poor to drive and not very practical, plus Euro NCAP awarded it zero stars for safety when it was crash tested in 2018. Yes, it really did score zero stars, largely on account of its abysmal adult and child protection scores for the front and rear seats. Automatic emergency braking braking (AEB) isn't even available as an option, either. However, if you do have your heart set on a Panda, we'd recommend waiting for the new Fiat Grande Panda instead.

Read our in-depth Fiat Panda review

Version 1.0 Mild Hybrid 500 | Target PCP £190 | Target Price £18,345 | The deal Four years' PCP finance with 5.7% APR and £2000 finance contribution. Limit of 8000 miles per year

Yes, one of the cheapest cars you can get on PCP deal in the UK is a convertible. Granted, it may not be the finest offering in the class, but the Fiat 500C Hybrid offers funky looks and puny dimensions, making it ideal if you live in a city. As a package, though, it's generally outclassed by the Mini Convertible in almost every area, including comfort, quality and performance. Standard equipment is quite sparse, too, particularly with this 500 version; it comes with a 7.0in touchscreen infotainment system and air conditioning as standard.

Read our in-depth Fiat 500C Hybrid review

Version 1.5i Hybrid Centre-Line | Target PCP £192 | Target Price £22,698 | The deal Four years' PCP finance with 0% APR. Limit of 8000 miles per year

If you think the Mazda 2 Hybrid looks suspiciously like a Toyota Yaris, you'd be right, because it's essentially a rebadged version of that car. This means it's powered by the same 114bhp hybrid system, which provides nippy acceleration and electric-only driving at low speeds. Fuel economy is very good, too, because the 2 Hybrid promises an official average of 74.3mpg. While it's unlikely you'll achieve that figure in the real world, it's worth noting we averaged 59.9mpg in an equivalent Yaris during our Real MPG tests.

Read our in-depth Mazda 2 Hybrid review

Version 1.0 2 [Auto] | Target PCP £195 | Target Price £15,683 | The deal Three years' PCP finance with 7.9% APR and £500 finance contribution. Limit of 8000 miles per year

The new Picanto is a commendable small car with a smart interior, tidy handling and frugal engines. The version quoted here is features a 62bhp 1.0-litre petrol engine and an automated manual transmission (AMT). When paired with the five-speed manual version, 0-62mph takes 15.4 seconds, which is pretty slow by anyone's standards. However, the automatic gearbox is even slower, taking 18.2 seconds. The benefit of this leisurely performance is that it should return a real-world fuel economy figure of around 50mpg, which means it should be cheap to run. 

Read our in-depth Kia Picanto review

Version 1.2 Mild Hybrid Motion | Target PCP £197 | Target Price £18,248 | The deal Four years' PCP finance with 7.9% APR and £500 finance contribution. Limit of 8000 miles per year | Star rating 4

There are bigger and more comfortable small cars, but the new Suzuki Swift is efficient, fun to drive and great value on PCP finance. While this latest version is based on the same underpinnings as its predecessor, it’s powered by a new mild hybrid 1.2-litre petrol engine. The engine isn’t turbocharged and it has a modest 81bhp, but because of the car's light weight, acceleration isn’t as slow as you'd expect. Entry-level Motion trim is very well equipped for the money, and includes LED headlights, adaptive cruise control, heated front seats and blind-spot monitoring as standard.

Read our in-depth Suzuki Swift review

Version Prime-Line | Target PCP £198 | Target Price £26,738 | The deal Four years' PCP finance with 0.0% APR and £6000 finance contribution. Limit of 8000 miles per year

The Mazda MX-30 is an electric SUV, but a rather compact one with unconventional rear doors that open backwards. The result is that it's quite cramped inside, plus it has a small 35.5kWh (total) battery that can only take it 124 miles between charges officially – that's less than a Dacia Spring. However, the MX-30 does have some appealing factors, including a smart, high-quality interior and a generous equipment list; this entry-level Prime-Line version comes with an 8.8in infotainment screen, adaptive cruise control and automatic windscreen wipers as standard.

Read our in-depth Mazda MX-30 EV review

Version 1.0 MPi 80 SE Comfort | Target PCP £199 | Target Price £18,599 | The deal Four years' PCP finance with 6.9% APR and £1250 finance contribution. Limit of 8000 miles per year

Sharing underpinnings with the VW Polo brings some benefits, because the Skoda Fabia has a similarly comfortable ride and a spacious interior. It also shares the same engines as its German cousin, including this 79bhp 1.0-litre unit. While it's not our favourite engine (that's the 94bhp turbocharged unit), it should be cheap to run and good for driving around town. Of course, the main benefit of choosing the Fabia over the Polo is that it's cheaper to buy – especially on PCP finance.

Read our in-depth Skoda Fabia review

Version 1.5 VTi-Tech Excite | Target PCP £201 | Target Price £16,628 | The deal Four years' PCP finance with 8.9% APR and £500 finance contribution. Limit of 8000 miles per year

Despite being one of the cheapest SUVs you can get on PCP finance, the MG ZS offers a surprisingly classy interior, decent handling and roomy rear seats. Excite trim is also well equipped for the money, and includes LED headlights, rear parking sensors and Apple CarPlay and Android Auto smartphone mirroring as standard. The 1.5-litre engine is underpowered and not very efficient, though.

Read our in-depth MG ZS review

Version 1.0 Life | Target PCP £203 | Target Price £19,882 | The deal Four years' PCP finance with 6.9% APR and £1500 finance contribution. Limit of 10,000 miles per year 

The Polo has grown in size over the years, which means it's now one of the most spacious small cars around. It's also smart inside and good to drive, with a comfortable ride and impressive refinement. The engine quoted here is the entry-level 79bhp 1.0-litre petrol unit; it doesn't have a turbocharger, so you need to work it quite hard to get any kind of decent acceleration out of it. Life trim, on the other hand, is very well equipped, because it gives you useful features such as automatic windscreen wipers, heated and power-folding door mirrors, and an 8.0in touchscreen infotainment system as standard.

Read our in-depth Volkswagen Polo review

Version 1.2 PureTech Plus | Target PCP £205 | Target Price £15,511 | The deal Four years' PCP finance with 8.9% APR. Limit of 8000 miles per year 

Even though a new Citroën C3 has just been launched, you can still get a good deal on the outgoing car on PCP finance. Despite being rather long in the tooth, it still does a good job of turning heads with its stylish exterior and interior design, plus it's reasonably practical. This Plus version is the mid-level trim, which means it's fairly well equipped with a 7.0in touchscreen, automatic windscreen wipers and rear parking sensor included as standard. It's not as good to drive or as practical as the Dacia Sandero, though. 

Read our in-depth Citroën C3 review

Version 1.5 Skyactiv G 75 Centre-Line | Target PCP £205 | Target Price £17,752 | The deal Four years' PCP finance with 5.9% APR with £500 finance contribution. Limit of 8000 miles per year 

No, you're not seeing double – the Mazda 2 features twice on this list. However, the version quoted here is the mild hybrid Mazda 2, as opposed to the regular hybrid version. Both cars are completely different, with this version being designed and built entirely by Mazda as opposed to Toyota. Key strengths of this version include a smart interior, a user-friendly infotainment system and frugal engines. Standard equipment is generous, too, because entry-level Centre-Line trim comes with automatic LED headlights, automatic wipers and an 8.0in touchscreen infotainment system as standard.

Read our in-depth Mazda 2 review

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