City car/supermini: SEAT Ibiza

We found a 1.4 Sport model of the popular Polo-based supermini for just £2,100

What £2,100 buys: SEAT Ibiza 1.4 Sport

(50,000 miles, 07-plate)

Engine: 1.4-litre 4cyl, 84bhp

0-62mph/top speed: 11.9 secs/112mph

Economy/CO2/tax: 43mpg/156g/km/£185

You'll do well to pay less than £150 per month for even the smallest city car on a PCP, and if you move up a class to something like a Ford Fiesta, you'll generally pay around £180. Assuming £175 a month is par for the course, you'll be shelling out £2,100 a year for your new car on a PCP, for which you could buy a 2007 SEAT Ibiza 1.4 Sport.

Best city cars

The Mk3 Ibiza is still a sharp-looking car despite its age, although some owners find it uncomfortable thanks to its hard ride. Reliability can also be patchy, but find a good example and you'll see exactly why it's a bargain.

Also consider:

2007 Fiat Panda 1.2: Although it's relatively plan to look at, the Panda is cleverly designed, practical and bursting with a feelgood factor.

2006 Skoda Fabia 1.4: It's the safe option, but if you want a sturdy small car that just works, the Fabia is perfect.

Best used PCP alternatives:

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