Deal watch: top cash and finance offers

  • Check out this week’s top cash and finance deals
  • Save time shopping for the best-value offer
  • 0% APR and large cash savings available
  • Check out this week’s top cash and finance deals
  • Save time shopping for the best-value offer
  • 0% APR and large cash savings available

Choosing the right car for your needs is a big enough challenge, but how do you know that you’re getting the best deal?

Well, we’ve done the hard work and fished out some of the best-value offers available this week – for those with cash to splash and anyone looking for a top finance deal. If you’re considering car finance take a look at our video guides explaining how PCP works, what PCH leasing is and one showing the ins and outs of Hire Purchase

Check out some of our favourite new car offers below and work out how much you can afford to borrow with our finance tool.* Don’t forget to take a look at our car reviews section to read our expert verdicts on the models we've highlighted.

And you can always browse our cars for sale section for more local deals. Meanwhile, when you come to sell your current vehicle, make sure you get a free car valuation with us to ensure you get a good price.

Search for large deposit contributions and low APR

If you’re after a small car with a similarly small monthly payment, the Smart Fortwo could be it, courtesy of low monthly payments of £129 and an affordable £499 deposit (on a four-year contract). What makes this deal good value is interest-free credit, plus a £789 deposit contribution, which means you’ll have paid less than the list price overall if you make the optional final payment to buy the car.
http://uk.smart.com/uk/en/index/offers/personal-offers/fortwo-offers/fortwo-passion-agility-offer.html?pid=smart_offers_personnal_agility_fortwo-passion_testAB_CTA_230616

If you’re after a small car with a similarly small monthly payment, the Smart Fortwo Coupe Prime (pictured above) could be it, courtesy of low monthly payments of £129 and an affordable £499 deposit (on a four-year contract). What makes this deal good value is interest-free credit, plus a £789 deposit contribution, which means you’ll have paid less than the list price overall if you make the optional final payment to buy the car.*

Fancy a bold, high-riding off-roader but with a hatchback-style price tag? The Jeep Renegade 1.6 E-torQ 110hp Sport (below) could be for you. This boxy compact crossover is available for just £199 per month over three years, with a £2,865 deposit.*

Helping to make this deal great value is 0% APR – meaning you pay nothing in interest – and a £2,500 deposit contribution. As a result, the Renegade is affordable whether you hand it back at the end of the contract or buy it; as you’ll have only paid £16,295 in total, compared to the £18,795 list price. 

If you’d rather something a bit sportier, the brand new Infiniti Q60 2.0T (below) – a super-sleek coupe – is also more affordable than you might expect at £379 per month over four years (with a reasonable £3,233 deposit). Better still, thanks to relatively low 3.0% APR charges and a substantial £3,000 deposit contribution, you’ll have paid around £600 less than the list price if you buy it when the contract ends.* 

If you’re after something a bit more winter-friendly, however, you could get the Volvo XC60 D4 SE Nav off-roader for £279 per month over 25 months (with a £5,209 deposit). A discount of £3,380 and a £2,000 deposit contribution make this a surprisingly affordable way to get behind the wheel and the contract only lasts two years, so you can move on to a new car sooner; provided you have another deposit saved up.*

Think driving an electric car is out of reach? Think again, as you could drive a Nissan Leaf for less than you might expect. Nissan gives you the option between interest-free credit and a £1,500 deposit contribution, or 6.0% APR and a £5,500 deposit contribution.

Go for the latter for the best value on the Leaf Tekna 24kW (below), with a smaller £2,587 customer deposit and monthly payments of £229 on a three-year contract. Choose to buy the car at the end of the contract and you’ll have paid £23,460 – £2,730 less than the list price.* 

The new SEAT Ibiza has just been unveiled and that means that it’s a great time to get a top deal on the current car. Opt for the Ibiza SC FR Technology 1.2 TSI 90PS and you can take advantage of a £2,500 deposit contribution and monthly payments of £199 on a four-year contract. That includes one year’s insurance for drivers aged 18 and over. The deposit is low, too, at £499 and SEAT is currently throwing in an additional £500 for those who take a test drive.*

Even with the insurance – which is likely to save an average driver around £700 – the car will still set you back around £900 less than the list price if you buy it at the end of the four-year contract, more than cancelling out the high 6.5% APR charge. 

Meanwhile, Skoda is offering 0% APR PCP deals on some of its models with large deposit contributions thrown in. Included are the Citigo which receives a £1,000 deposit contribution, the Yeti Outdoor £1,500 and Rapid and Rapid Spaceback models £1,800.

Though interest is applied on the Fabia (above) PCP deal with 2.9% APR, the £2,000 deposit contribution is very large considering the value of the car, making this a great value offer. It also means you’ll typically pay much less than the list price if you choose to buy the car at the end of the contract.*

Save up to £16,313 with top cash deals

The cheaper a car is, the smaller the discounts you can find normally are, but you can still save a whopping £4,352 on a £12,280 Nissan Note 1.2 Visia. That cuts the costs down to just £7,929 – very little for a car of this size.

You will have to do without air conditioning, however, stepping up to the turbocharged Note 1.2 DiG-S Acenta (below) gives you more power, greater fuel economy, lower car tax and an even bigger £4,724 discount – slashing the price to £10,216.

Another similarly priced option is the Skoda Fabia 1.2 TSI 90. This five-door hatchback is good value to begin with but savings of £3,081 slash the price down from £14,005 to an attention-grabbing £10,924.

SEAT currently offers strong value finance deals on the Leon, though the savings for those paying cash are even larger, if you hunt around online. We’ve found a Leon 1.6 TDI S 5dr for a mere £13,145 – meaning a 28% saving on the £18,330 list price.

The Volvo V60 (below) isn’t the newest estate car nor the most practical, but with potential savings of more than 30% and £16,000 possible, it is fantastic value. If you’re after a sensible, affordable diesel model, an £8,849 saving slashes the price of the diesel D3 150 SE Nav to just £21,396.

Consider the powerful and economical V60 D6 Twin Engine R Design Lux Nav, however, and you’ll save yourself more than £16,000 – cutting the price to a much more reasonable £36,212. Not bad for a plug-in hybrid car that is capable of 155mpg economy and can sprint to 62mph in just 5.8 seconds.

Shopping for the family-friendly Nissan Qashqai 1.5 dCi Acenta? This could be yours for £16,757; that's £5,928 less than the list price.

The savings are even greater if you’re searching for a Ford Focus. Do a little homework and you can shave £7,145 off the bill. This means that the frugal and well-equipped diesel Ford Focus 1.5 TDCI 120 Titanium X Navigation could be yours for just £16,950 rather than £24,095.

Up the budget and savings are even larger on the cheaper petrol BMW 340i M Sport saloon (above); a £8,941 discount slashes the price from £39,230 to £30,289.

Learn more about car finance

Great value cars for £200 per month

Car finance: what happens at the end of a PCP deal?

Lease a new car for less than a Sky TV subscription

Bargain £90 per month PCP car finance deals

Top cars for less than £150 per month

*Deals are correct at time of publication. Everyone’s financial circumstances are different and credit is not always available – Parkers cannot recommend a deal for you specifically. These deals are indicative examples of some packages available this week.

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