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.

Used cars for sale

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

Go for a VW Passat in stock and you can take advantage of a £4,000 deposit contribution – enough to cancel out the high 6.1% APR charges and leave you some extra cash spare.

This means that a Passat 1.6 TDI GT (pictured above) will set you back £265 per month with a £3,933 deposit on a four-year contract. It’s a good deal if you want to own the car at the end of the term, too, as you’ll save yourself nearly £500 on the list price overall by purchasing the car this way.*

You don’t drive an off-roader to save money, but financing a Ford Kuga (below) is a savvy way to get your hands on a medium SUV without breaking the bank.

Thanks to 0% APR and a £1,500 deposit contribution discount, monthly payments stand at £263 with a £4,000 deposit (on a three-year, 9,000-mile-per-year contract) for the petrol Kuga 1.5 EcoBoost 150hp Zetec model.*

With no interest added and a £1,500 discount, this car is substantially cheaper overall if you make the optional final payment to buy at the end of the finance scheme than paying cash upfront. 

If you like the idea of a high-riding model but can’t stretch to the Kuga, the smaller Nissan Juke (top picture) is even better value at £169 per month in 1.2 DIG-T 115 Acenta form, on a three-year contract with a £2,454 deposit.*

A substantial £2,550 deposit contribution more than outweighs the 4.0% APR charges, meaning you’ll have paid just £14,856 overall – £1,479 less than the list price. Best of all, three years’ servicing and roadside assistance is also thrown in for free. 

Even if you’re on a tighter budget, you can still benefit from some great value deals. The Renault Clio 1.2 75hp Play (above) will set you back just £129 per month with a £2,366 deposit (on a three-year, 6,000-mile-per-year plan).*

Interest-free credit and a £1,500 deposit contribution again mean you’re better off buying the car at the end of the scheme than buying it with cash from the dealer – if owning the car is important to you. 

The Smart Forfour 1.0 71hp Passion (below), meanwhile, will set you back just £99 per month over four years with a £1,999 deposit. Interest is charged, but with a low 3.9% APR figure and £1,842 deposit contribution, you’re still quids in if you make the final payment to buy the car when the contract ends. 

The new SEAT Ibiza has recently 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 (below) which receives a £1,000 deposit contribution, the Yeti Outdoor £1,500 and Rapid and Rapid Spaceback models £1,800.

Skoda is also offering an additional £750 discount on top of a £2,500 deposit contribution on Superb models ordered before 30 April. This £3,250 total discount is enough to outweigh the 4.9% APR charge, making the Superb great value. You can now spread payments over 48 months rather than the previous maximum of 42 months, which should cut your monthly payments further.*

Save up to 30% with the best cash deals

The Ford Focus isn’t the newest hatchback on the market, but with savings of more than £6,000 available on mid-level diesel models, it’s worth considering. The Focus 1.5 TDCI 120 Zetec Navigation normally sells for £20,595, but we’ve found it for just £14,570 online – making it much more interesting.

Small cars normally mean small discounts, but you can save a substantial £4,894 on the £17,000 Peugeot 208 1.2 PureTech 110 GT Line 3dr (below) – cutting it down to £12,106.

If you need a bigger model you can also save £7,292 on the Nissan X-Trail 1.6 dCi N-Vision (below) at £21,908. 

Another great value Nissan is the Juke 1.2 DIG-T N-Connecta. Despite having a punchy turbocharged engine and plenty of standard kit you can take advantage of a £4,902 discount by shopping around online – dropping the price to just £13,183.

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 £13,285 – meaning a 28% saving on the £18,470 list price.

Up the budget and savings are even larger on the Mercedes CLS 220d AMG Line. Despite a list price of £47,790, we’ve found it available for £36,736 – a saving of 23%.

Learn more about car finance

Great value cars for £300 per month

Car finance: what is PCP?

Lease a new car for less than a Sky TV subscription

Bargain £90 per month PCP car finance deals

Top cars for less than £400 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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