The cheapest cars to buy on a PCP finance deal

Buying a new car doesn't have to break the bank – here we've found the top 10 cheapest PCP deals available, starting from just £146 per month...

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One of the most popular ways to pay for your car is through a Personal Contract Purchase (PCP) deal – in fact, that's how more than 80% of new cars are sold in the UK now.

PCP car finance allows you to get a new vehicle for around the same price as one that's three years old because you're usually only paying back around half the value of the car. The other half of the car's price is called the Guaranteed Future Value (GFV).

At the end of the deal's term, you can pay the GFV in full to own the car outright or give back the keys and walk away from the deal entirely. There's a third option: you can use any value of the car above its GFV (the ‘equity’) towards a new car.

PCP deals are so popular because they allow you to buy a new car that might otherwise be beyond your budget. It can be hard work to find the best deals, but the What Car? mystery shoppers have done the hard work for you. 

Here, they've collected the cheapest new car PCP deals from as little as £146 per month. If you want to find out more about any of the cars listed below, simply click the links through to our full reviews, or go to our free New Car Buying service.