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Best new car deals: top 18-plate cash, PCP and leasing offers

  • Get the best car for your budget with these deals
  • We’ve hunted down the biggest car discounts
  • 0% APR finance and large cash savings on offer
  • Get the best car for your budget with these deals
  • We’ve hunted down the biggest car discounts
  • 0% APR finance and large cash savings on offer

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

We’ve done the hard work for you and fished out some of the best-value offers available this week – for those with cash to splash and anyone looking for a top car finance or leasing deal.

If you are considering car finance take a look at our video guides explaining how PCP works, what PCH leasing is, and the ins and outs of Hire Purchase.

Best new car PCP finance deals Top new car PCH leasing offers Best new car cash savings  
1: Mazda 6 1: Abarth 124 Spider 1: Mercedes-Benz E-Class 6: Skoda Fabia
2: Ford Mustang 2: SEAT Arona 2: Skoda Octavia 7: Ford Galaxy
3: Jeep Grand Cherokee 3: Volkswagen Golf 3: Citroen Grand C4 Picasso 8: Volvo V40
4: Infiniti Q50 4: Ford Focus 4: Nissan Qashqai 9: Honda CR-V
5: Fiat 124 Spider 5: Volkswagen Tiguan 5: Renault Zoe 10: Nissan Juke

 

With car finance splitting the cost of a new car into affordable chunks, the best deals mean that you can get a more upmarket or higher-spec car than you might expect, all without breaking the bank. Below we’ve rounded up the best value offers – whatever your budget:

Check out some of our favourite new car offers below and work out how much you can afford to borrow with our finance tool*.

Remember to take a look at our car reviews section to read our expert verdicts on the models we've highlighted. And you'll want to check our top tips for getting the best car finance deal to ensure you get the most bang for your buck.

Scrappage schemes

Plus you can always visit 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 from us to ensure you get a good price.

PCP deals: best new cars to finance

Like the idea of running a brand new car for an affordable monthly payment – all with the option to hand the car back at the end of the contract or buy it outright? You need PCP finance.

Beware: the difference between the best and worst PCP deals is enormous. Do your homework, though, and you can bag a great car for far less per month than you might expect.

PCP finance – Mazda 6: whopping £5,250 manufacturer saving

Mazda 6 PCP finance

Mazda has increased deposit contribution discounts on the 6 to an enormous £5,250 in the case of this diesel model.

Despite a 3.9% APR charge – up from 0% - monthly payments for the comfy, refined and satisfying-to-drive 6 2.2d 150hp SE-L Nav fall to £222 per month (on a 42-month, 10,000-mile-per-year contract with a £4,500 deposit).*

That’s £101 per month less than an equivalent Vauxhall Insignia with matching contract terms.*

Mazda 6 2.2d 150hp SE-L Nav

  • Monthly cost: £222 (42 payments)
  • Deposit: £4,500 (£5,250 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £13,828
  • Total amount payable by customer to buy car: £20,628
  • Cash price: £24,395
  • Mileage allowance: 10,000 miles per year
  • APR: 3.9%

PCP finance – Ford Mustang: big power, tiny monthly payments with 0% APR

Ford Mustang PCP finance

No one gets a sports car to save money, but the Ford Mustang is so much cheaper than Audi and BMW alternatives that it’s no pricier per month than a slower, less desirable diesel Audi A3 hatchback.

Thanks to interest-free credit, the 2.3-litre Mustang coupe could be yours for £339 per month (on a three-year, 9,000-mile-per-year contract with a £5,000 deposit).*

That compares with a hefty £562 per month for the equivalent Audi A5 Coupe 2.0 TFSI 252 Quattro S Line and £492 for a BMW 430i Coupe M Sport.

Ford Mustang 2.3 EcoBoost Fastback

  • Monthly cost: £339 (36 payments)
  • Deposit: £5,000 (no manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £17,204
  • Total amount payable by customer to buy car: £33,675
  • Cash price: £33,675
  • Mileage allowance: 9,000 miles per year
  • APR: 0%

PCP finance – Jeep Grand Cherokee: £8,400 saving plus interest-free credit

Jeep Grand Cherokee PCP finance

Chunky SUV styling, a punchy 3.0-litre diesel engine and a comfy cabin set the Jeep Grand Cherokee apart. The finance costs are an even bigger plus, as you can get the Jeep for no more per month than the much smaller 2.0-litre diesel Audi Q5.

That means you could get a Grand Cherokee Limited Plus for £337 per month on a four-year contract with a £10,000 deposit and 10,000-mile-per-year allowance.*

Thank interest-free credit and a huge £8,400 finance discount for the low finance costs on this £49,000 SUV.

Jeep Grand Cherokee 3.0 MultiJet 250hp 4x4 Limited Plus

  • Monthly cost: £337 (47 payments)
  • Deposit: £10,000 (£8,400 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £25,848
  • Total amount payable by customer to buy car: £40,480
  • Cash price: £48,880
  • Mileage allowance: 10,000 miles per year
  • APR: 0%

PCP finance – Infiniti Q50: £12,000 slashed from finance costs

Infiniti Q50 PCP finance

A staggering £12,000 finance incentive turns the Infiniti Q50 from a mediocre left field alternative to the BMW 3 Series and Audi A4 to a far more appealing budget choice.

Monthly payments come in at an affordable £299 on a four-year contract with a £3,848 deposit and an 8,000-mile-per-year allowance.*

No it’s not the best car in the class, but for the price of a low-spec VW Passat 1.6 TDI you could get a high-spec 2.2-litre diesel Infiniti with standard kit including a 16-speaker Bose sound system and adaptive headlights that swivel as you turn the wheel.

Infiniti Q50 2.2d Sport Executive auto (Multimedia pack, Visibility pack)

  • Monthly cost: £299 (48 payments)
  • Deposit: £3,848 (£12,000 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £18,200
  • Total amount payable by customer to buy car: £27,621
  • Cash price: £38,330
  • Mileage allowance: 8,000 miles per year
  • APR: 2.0%

PCP finance – Fiat 124 Spider: 0% APR and large £3,750 discount

Fiat 124 Spider PCP finance

Interest-free credit plus a huge £3,750 deposit contribution discount make this 124 Spider one of the best value cars you can finance right now.

Monthly payments are a mere £219 with an affordable £999 deposit on a three-year, 6,000-mile-per-year contract.*

Better still, if you buy the car when the contract ends you’ll have paid just £17,312 overall – far less than the £21,055 list price.

Fiat 124 Spider 1.4 MultiAir Classica

  • Monthly cost: £219 (36 payments)
  • Deposit: £999 (£3,750 manufacturer deposit contribution)
  • Total amount payable by customer if returning car: £8,658
  • Total amount payable by customer to buy car: £17,312
  • Cash price: £21,055
  • Mileage allowance: 6,000 miles per year
  • APR: 0%

PCH deals: best new cars to lease

Looking to run a brand new car for the lowest possible monthly payment? If you're not concerned about the option to own the car at the end of the contract, PCH leasing could be perfect.

With no option to buy the car when the contract ends, you simply pay an initial rental followed by a series of payments. When the term ends, just hand the car back and you can choose to walk away or get another one.

PCH leasing – Abarth 124 Spider: £144 per month for fun convertible

Spring has finally sprung, which makes it the perfect time for an open-top Abarth 124 Spider - the faster, more aggressive version of the Fiat 124 Spider above - for as little as £144 per month

To get that price, you need to put down a £3,060 upfront payment, and you'll be limited to 5,000 miles per year, but this has to be one of the most fun cars available for the money.

Abarth 124 Spider

  • Monthly cost: £144 (23 payments)
  • Upfront payment: £2,880 (plus £180 admin fee)
  • Total amount payable by customer: £6,372
  • Cash price: £29,620
  • Mileage allowance: 5,000 miles per year

PCH leasing – SEAT Arona: just £107 per month for practical family car

SEAT Arona PCH leasing

Opt for an entry-level SEAT Arona (essentially a slightly taller Ibiza hatchback) and you can enjoy mini-SUV motoring on a compact car budget. Its 95hp 1.0-litre engine is powerful enough and is capable of returning up to 58mpg fuel economy.

All this can be yours on a two-year, 6,000-mile-per-year contract for £107 per month with an initial rental of £2,580 – good value for a £16,585 car.*

SEAT Arona 1.0 TSI 95 SE

  • Monthly cost: £107 (23 payments)
  • Upfront payment: £2,400 (plus £180 admin fee)
  • Total amount payable by customer: £5,041
  • Cash price: £16,585
  • Mileage allowance: 6,000 miles per year

PCH leasing – Volkswagen Golf: £140 per month for well-equipped petrol model

Volkswagen Golf PCH leasing

The Volkswagen’s Golf is as accomplished as ever. Equipment is plentiful in SE Nav spec, plus the 125hp 1.4-litre engine twinned with a seven-speed DSG automatic transmission provides smooth and punchy performance.

Despite the Golf being so sought after, you can pick one up on Personal Contract Hire for just £140 per month with an initial rental of £2,580. You’ll need to keep the miles relatively low, mind, with the two-year contract good for 5,000 miles per annum. Still, excellent value for a car with a £22,700 list price.*

Volkswagen Golf 1.4 TSI SE Nav DSG

  • Monthly cost: £140 (23 payments)
  • Upfront payment: £2,400 (plus £180 admin fee)
  • Total amount payable by customer: £5,800
  • Cash price: £22,700
  • Mileage allowance: 5,000 miles per year

PCH leasing – Ford Focus: just £159 per month with £1,153 down

Ford Focus PCH leasing

 

Yes, the Focus is getting on in years and its replacement's just been revealed, but it’s still good value at £159 per month on a two-year contract.*

That bags you a well kitted out ST-Line Navigation model in satisfying-to-drive 140hp 1.0-litre petrol form with an 8,000-mile-per-year allowance and £1,153 in initial payments.*

Ford Focus 1.0 EcoBoost 140 ST-Line Navigation

  • Monthly cost: £159 (23 payments)
  • Upfront payment: £955 (plus £198 admin fee)
  • Total amount payable by customer: £4,814
  • Cash price: £21,645
  • Mileage allowance: 8,000 miles per year

PCH leasing – Volkswagen Tiguan: diesel SUV just £191 per month

Volkswagen Tiguan PCH leasing

Though it has a £29,000 list price, you could put a diesel Tiguan on the drive for an affordable £191 per month, on a two-year contract with a £2,580 initial rental.*

To get that low monthly cost, you’ll have to sign up to a 5,000-mile-per-year agreement, so if you cover more than this you’ll need to dig deeper into your wallet to avoid excess mileage charges.

Volkswagen Tiguan 2.0 TDI 150 SE Nav

  • Monthly cost: £191 (23 payments)
  • Upfront payment: £2,400 (plus £180 admin fee)
  • Total amount payable by customer: £6,968
  • Cash price: £28,705
  • Mileage allowance: 5,000 miles per year

Cash deals: best new cars to buy outright

While some cars are better value to purchase through finance than cash – thanks to large deposit contribution discounts and low APR charges – others are much better cash purchases, with big savings on the list price.

We've rounded up desirable models with the biggest discounts available that make sense for those with cash in their pocket or looking to fund their next car with a personal loan.

Cash discount – Mercedes E-Class Estate: save yourself £13,325

Mercedes E-Class Estate cash discount

Even in 2.0-litre diesel form the Mercedes E-Class can set you well over £40,000. Thanks to a gigantic £13,325 discount, however, this one could be yours for well under £30,000.

This saving is equivalent to more than a 30% discount, making this otherwise pricey Mercedes far more affordable for many drivers.

Mercedes E220d AMG Line Estate

  • Discounted price: £29,395
  • List price: £42,720
  • Saving: £13,325
  • Discount: 31.2%

Cash discount – Skoda Octavia: large, comfy hatchback for just £13,481

Skoda Octavia cash discount

Yes, this is the entry-level Skoda Octavia, but fear not; the turbocharged 1.0-litre petrol engine is surprisingly punchy, pretty economical and you get most of the essential kit you’d want.

The list price is affordable enough at £17,700 but safely over 20% in savings shrinks this down to just £13,841. For that money, this Skoda is fantastic value.

Skoda Octavia 1.0 TSI 115 S

  • Discounted price: £13,841
  • List price: £17,700
  • Saving: £4,219
  • Discount: 23.8%

Cash discount – Citroen Grand C4 Picasso: £7,095 cut from MPV price

Citroen Grand C4 Picasso cash discount

The Citroen Grand C4 Picasso boasts seven seats and more than £7,000 in savings. As a result, the price tumbles from £27,085 to just under £20,000.

That discount equates to more than 26% – no doubt a very welcome saving to any family looking for a people carrier.

Citroen Grand C4 Picasso 1.2 PureTech 130 Flair

  • Discounted price: £19,990
  • List price: £27,085
  • Saving: £7,095
  • Discount: 26.2%

Cash discount – Nissan Qashqai: hefty 32% discount on popular SUV

Nissan Qashqai cash discount

The more popular the car, the smaller the discounts normally. However, you can find a healthy 32% lopped off the enormously popular Nissan Qashqai – simply by doing your homework.

This huge discount found online slashes the price of the petrol Qashqai 1.2 DiG-T N-Connecta with a panoramic roof from £24,830 to a far more palatable £16,995 – saving you no less than £7,835.

Nissan Qashqai 1.2 DiG-T N-Connecta

  • Discounted price: £16,995
  • List price: £24,830
  • Saving: £7,835
  • Discount: 31.6%

Cash discount – Renault Zoe: save 45% on all-electric supermini

Renault Zoe cash discount

The Renault Zoe is one of the cheapest all-electric cars on sale, but gargantuan online savings slash the price down to a mere £12,591 for the Zoe Dynamique Nav 40kWh – including the government’s £4,500 Plug-in Car Grant.

To take advantage of this low purchase price, you will have to sign up to a monthly battery rental contract, however this adds just £69 per month for a 7,500-mile-per-year agreement.

Renault Zoe Dynamique Nav 40kWh

  • Discounted price: £12,591
  • List price: £22,920
  • Saving: £10,329
  • Discount: 45.1%
  • Battery rental: £69 per month (7,500 miles per year)

Cash discount – Skoda Fabia: save 25%, now just £10,802

Skoda Fabia cash discount

The Skoda Fabia is a great small car and it’s even more appealing in turbocharged 95hp 1.0-litre petrol form in reasonably well equipped SE trim.

It’s good value from the dealer, but hunt around online and savings of more than £3,500 are not unusual – slashing the price for this model from £14,355 to just £10,802.

Skoda Fabia 1.0 TSI 95 SE

  • Discounted price: £10,802
  • List price: £14,355
  • Saving: £3,553
  • Discount: 24.8%

Cash discount – Ford Galaxy: £8,811 slashed from the price

Ford Galaxy cash discount

Family-friendly seven-seater people carriers are never cheap, but an enormous 28% saving slashes the price of the Ford Galaxy 2.0 TDCI 150 Titanium to a very appealing £23,179.

That’s a discount of no less than £8,811 – potentially enough to cover more than 60,000 miles worth of diesel – a saving that no family could ignore.

Ford Galaxy 2.0 TDCI 150 Titanium

  • Discounted price: £23,179
  • List price: £31,990
  • Saving: £8,811
  • Discount: 27.5%

Cash discount – Volvo V40: chunky £5,755 discount

It may be getting on a bit, but Volvo's V40 hatchback is a stylish and quality small family car with a temptingly low price if you take advantage of this deal on a T2 Momentum model. 

At £15,774, that represents a 27% saving on the cost of going to your local Volvo dealer, and you get a healthy equipment list including alloy wheels, Bluetooth and rear parking sensors.

Volvo V40 T2 Momentum

  • Discounted price: £15,774
  • List price: £21,529
  • Saving: £5,755
  • Discount: 26.7%

Cash discount – Honda CR-V: £18,199 after £5,991 discount

Honda CR-V cash discount

Off-roaders are hugely popular in 2018 and petrol power is becoming far more desirable than diesel for many buyers. Despite this, you can save £5,991 on the petrol Honda CR-V.

That cuts the price for this medium crossover from £24,190 to a far more appealing £18,199. Considering it’s a bigger car than many rivals, this is a lot of metal for the money.

Honda CR-V 2.0i-VTEC S 2WD

  • Discounted price: £18,199
  • List price: £24,190
  • Saving: £5,991
  • Discount: 24.8%

Cash discount – Nissan Juke: high-spec petrol for under £14,000

If you act fast, you can bag yourself a popular Nissan Juke in high-spec Tekna trim with a 30% saving on the list price.

Get a car registered by the end of April 2018 and you’ll benefit from almost £6,000 in savings on the turbocharged 1.2-litre petrol Tekna version, coming in at just £13,762.

It isn’t the most up-to-date compact crossover, but the quirky styling, generous equipment list and great value will seal the deal for many.

Nissan Juke Tekna 1.2 DIG-T Tekna

  • Discounted price: £13,762
  • List price: £19,734
  • Saving: £5,972
  • Discount: 30.3%

What to read next - learn more about car finance

Car finance: what is equity and why is it important?
Video: what is PCP car finance?
Lease a new car for less than a Sky TV subscription
PCP finance: can I get out early?
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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