The best new car PCP deals for less than £400 per month

Version 1.2 Longitude | List price £26,610 | Deposit £3000 | Monthly payment £67

While the Jeep Avenger’s list price is competitive against most SUV rivals, the best PCP deals can make it cheaper than many small cars. Even so, there’s no shortage of standard equipment, with entry-level Longitude trim featuring 16in alloy wheels, air conditioning and keyless start. While the Avenger’s interior isn’t as plush as the Peugeot 2008’s, it looks attractive and has lots of space for front occupants. Nevertheless, rear leg room is tight and the 380-litre boot isn’t as big as the Ford Puma’s.

While a wide range of power options are available, the cheapest Avengers use a 1.2-litre petrol engine. Accelerating to 62mph in 10.6sec, it’s quicker off the mark than the cheapest Nissan Juke or Skoda Kamiq. Soft suspension gives the Avenger a smoother ride than the Puma’s, although also results in a considerable amount of body lean around tight bends. Even so, the Avenger’s tight turning circle and light steering make it enjoyable around town.

Read our full Jeep Avenger review >>

Version 1.2 MHEV 107kW Icon | List price £27,995 | Deposit £3000 | Monthly payment £110

In spite of its cutesy retro appearance, the Fiat 600 is a little more than a Fiat 500 that’s been inflated with a tyre pump. In addition to the all-electric Fiat 600e, two mild hybrid (MHEV) petrol options are available, with the larger 107kW version sprinting from 0-62mph in 8.5sec, which is quicker than the equivalent Ford Puma. What’s more, the 600 feels composed on twisty country roads. Nevertheless, the 600’s ride isn’t as settled as the Volkswagen T-Roc’s, and the strong regenerative braking takes some getting used to.

While the 600’s interior has more than its fair share of hard plastics, it offers plenty of intuitive physical controls and a commanding driving position. There’s lots of interior storage space too, although rear leg room is limited for adults and the 385-litre boot isn’t as big as the Puma’s. There’s a good amount of standard kit though, with mid-spec Icon featuring climate control, keyless start, front and rear parking sensors and a reversing camera.

Read our full Fiat 600 review >>

Version Long Range 49kWh 01 | List price £25,305 | Deposit £3000 | Monthly payment £156

Don’t be fooled by the Hyundai Inster’s diminutive dimensions, it’s a deceptively practical small car. In addition to offering a decent amount of leg and head room in the front, there’s a surprising amount of room in the back. Many versions feature individually sliding rear seats, letting you prioritise rear leg room or boot space. Speaking of which, at 280-litres (in entry-level 01 trim), the Inster’s boot is smaller than the Renault 5’s but more spacious than the Mini Cooper Electric’s. 

Two battery sizes are available, with the 46kWh (usable capacity) Long Range model officially capable of 229 miles. That’s better than a Cooper Electric E, although the R5 can go even further between charges. While the Inster isn’t the fastest small car off the mark, it still feels pokey, particularly around town, where it benefits from a tight turning circle and smooth low-speed ride. There’s also a good amount of grip to build confidence on twisty roads, even if the R5 feels even more agile.

Read our full Hyundai Inster review >>

Version 44kWh Icon | List price £21,995 | Deposit £2000 | Monthly payment £211

The Fiat Grande Panda Electric is undoubtedly a case of ‘cheap yet cheerful’. While its 0-62mph time of 11.0sec isn’t as quick as a Renault 5’s, the Grande Panda Electric still feels nippy around town and can keep up with motorway traffic. It feels relatively agile too, although firm suspension means you feel more bumps than you would in the Citroën ë-C3. Nevertheless, the Grande Panda Electric’s official range of 199 miles matches the ë-C3 Standard Range and equivalent BYD Dolphin Surf.

The Grande Panda Electric’s interior feels more vibrant and attractive than the ë-C3’s and features a high, almost SUV-like driving position. Rear passengers have more space than they would in an R5, and the Grande Panda Electric’s 361-litre boot is bigger than the ë-C3’s. In mid-spec Icon trim, the Grande Panda Electric comes with a reasonable amount of standard kit, including 15in alloy wheels, air conditioning and rear parking sensors.

Read our full Fiat Grande Panda Electric review >>

Version 1.2 MHEV Ultra | List price £21,099 | Deposit £2000 | Monthly payment £224

The Suzuki Swift is at the cheaper end of the small car class but you wouldn’t guess that from its standard equipment list. Range-topping Ultra trim comes with keyless entry, a reversing camera, heated front seats and rear privacy glass. And while it’s not exactly plush, the Swift’s interior looks smart and offers a good driving position. Even so, the Volkswagen Polo offers more space for rear passengers and a bigger boot.

Every Swift comes with a 1.2-litre petrol engine, which provides enough oomph to accelerate from 0-62mph in 12.5sec (or 13.6sec if you choose the all-wheel drive version). While that’s slower than the equivalent Skoda Fabia, the Swift’s light weight means it’s still an entertaining car to drive. A good amount of grip and feelsome steering mean the Swift feels agile around tight bends, although firm suspension means the ride is rather unsettled in the process.

Read our full Suzuki Swift review >>

Version 1.5 DIG-T MHEV Accenta Premium XTRON | List price £38,235 | Deposit £4000 | Monthly payment £243

The Nissan X-Trail undercuts many of its family SUV rivals, but its appeal doesn’t just stop there. You see, it’s a particularly comfortable cruiser, with softly sprung suspension giving the X-Trail a smoother ride than the Hyundai Santa Fe or Peugeot 5008. On the motorway, it’s also impressively refined, producing very little audible road or wind noise. Cheaper X-Trails use a 1.5-litre petrol engine with mild hybrid technology. Reaching 62mph in less than 10 seconds, it’s quick enough for most drivers, although the equivalent Santa Fe is more economical.

Fortunately, the X-Trail’s interior feels upmarket and features plenty of user-friendly physical controls. There’s plenty of leg and head room in the front and rear rows, although the optional third row seats don’t offer as much space as the 5008’s. Nevertheless, the X-Trail isn’t short of equipment, with entry-level Acenta Premium featuring a reversing camera, wireless phone charger and dual-zone climate control.

Read our full Nissan X-Trail review >>

Version 1.5 TFSI CoD 35 Sport S Tronic | List price £34,000 | Deposit £3000 | Monthly payment £283

The Audi Q2 is an upmarket choice in the small SUV segment, although slow depreciation means there are plenty of cheap PCP deals to be had. Three power options are available, with the mid-rung option featuring a 1.5-litre petrol engine getting the Q2 to 62mph in 8.6sec – as quick as the equivalent Ford Puma. While firm suspension gives the Q2 a slightly more fidgety ride than the Volkswagen T-Roc, it helps to make it a particularly impressive handler. What’s more, the Q2 is particularly quiet on the motorway.

In addition to the supportive driving position, the Q2 has more rear leg and head room than a Puma, although the T-Roc offers even more space. Similarly, the Q2’s 405-litre boot isn’t as spacious as the Skoda Kamiq’s but still offers enough room to be practical. In entry-level Sport trim, the Q2 comes with adjustable lumbar support, air conditioning and rear parking sensors.

Read our full Audi Q2 review >>

Version 55kWh 50 SE | List price £32,390 | Deposit £3000 | Monthly payment £283

The Skoda Elroq is among the best electric SUVs you can buy today, and a cheap PCP deal can make it even more enticing. Recent revisions to the Elroq lineup mean dealers are offering the outgoing entry-level 50 SE trim at competitive prices. That’s no bad thing, because that version offers acceptable performance and a decent official range of 232 miles. That beats the Citroën ë-C3 Aircross Standard Range, although the Renault 4 can travel further still. The Elroq’s suspension offers a smooth ride while keeping body lean at bay. Combined with a good amount of grip and precise steering, the Elroq feels more agile than the Kia EV3. 

What’s more, the Elroq is a particularly practical small SUV, with plenty of room in the back for six-footers and an EV3-beating 470-litre boot. In the outgoing 50 SE trim, the Elroq is reasonably well-equipped, featuring 19in alloy wheels, keyless starting, a reversing camera and climate control.

Read our full Skoda Elroq review >>

Version 1.6T Hybrid Black Line | List price £36,990 | Deposit £4000 | Monthly payment £318

If you’re looking for a family SUV that can easily transport a family of six-footers, the Hyundai Tucson deserves a spot on your shortlist. Tall adults will have plenty of head and leg room in the back, and there’s slightly more room for a middle passenger than there is in the Kia Sportage. And while the size of the Tucson’s boot depends on which power option you choose, they’re all impressive by class standards. You get a lot of standard kit for your money too, with the Black Line featuring a heated steering wheel, dual-zone climate control and a wireless phone charger.

The Tucson is available with petrol, full hybrid and plug-in hybrid power options. The full hybrid (badged 1.6T Hybrid) is the fastest, sprinting to 62mph in 7.8sec; about the same as the equivalent Sportage and quicker than the Ford Kuga 2.5 FHEV. Despite featuring soft suspension, the Tucson’s ride is controlled, although the Sportage feels more agile on twisty roads.

Read our full Hyundai Tucson review >>

Version 64kWh Trophy Long Range | List price £34,540 | Deposit £3000 | Monthly payment £340

Compared with the popular yet rather uninspiring MG ZS EV it replaces, the S5 is a particularly well-rounded electric SUV. Two battery options are available, with the Long Range featuring a 61.7kWh (usable capacity) unit for an official range of up to 298 miles. That’s more than the Skoda Elroq 60, although the equivalent Kia EV3 can go further still. The S5 Long Range’s 0-62mph time of 6.3sec is also just as quick as the most powerful Elroq. Light yet accurate steering makes the S5 feel competent around corners. It does trip up over potholes more than an EV3, though.

The S5’s interior makes use of quality materials and intuitive physical controls. And while it’s not quite as airy as the EV3, there’s still enough room for adults in the back. Its 453-litre boot is also competitive by class standards. In range-topping Trophy trim, the S5 gets 360 degree parking cameras, a wireless phone charger and heated front seats.

Read our full MG S5 review >>

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