Cars to buy now: top finance deals on outgoing cars

  • Save thousands by picking up a discounted end-of-line model
  • Large deposit contributions cut overall costs dramatically
  • Pay less than list price by choosing one of these finance deals

Many car buyers want to be first in line to get their hands on brand-new models, but if you’re happy with the old model, you could save yourself thousands. Car companies normally slash prices of old models when they’re about to be replaced, and it’s exactly the same story with finance offers.

Go for the newly-launched VW Tiguan off-roader and you can expect to pay top dollar for the privilege – with relatively high 6.4 percent APR charges and no official discounts available. Consider the older car, however, and Volkswagen will stump up more than £3,000 in deposit contribution, while charging a lower rate of interest.*

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1) Audi A5 Convertible

We’ve already been behind the wheel of the upcoming Audi A5 Coupe – and the new convertible isn’t likely to be far behind – meaning that Audi is keen to sell the last versions of the current car. As a result, the company is offering a substantial £5,150 deposit contribution on the coupe and a whopping £8,000 on the soft-top.

Despite relatively high APR of 6.7 percent you can still save yourself more than £4,000 compared with the list price, by buying an A5 Cabriolet through Audi’s PCP finance scheme. Monthly payments stand at less than £450, with a reasonable deposit of less than £4,000.*

Audi A5 Convertible 2.0 TDI S Line

Monthly cost: £445.47

Deposit: £3,751.50

APR: 6.7 percent

Total amount payable by customer: £33,455.70

List price: £37,515


2) Mercedes-Benz E-Class Estate

The new Mercedes E-Class saloon is already on UK streets and the replacement estate is waiting in the wings. Until the new estate takes over, however, you can still get your hands on the outgoing model – a machine which boasts one of the biggest boots in the business. 

Opt for this model and you can benefit from nearly £7,500 in deposit contribution from Mercedes. Consequently, monthly payments of just £379 could get you the keys to a £40,000 E220d model. Choose to buy the car at the end of the contract and you’d have saved nearly £3,500 compared with paying the list price in cash.*

Mercedes-Benz E-Class Estate E220d AMG Night Edition

Monthly cost: £379

Deposit: £4,999

APR: 6.0 percent

Total amount payable by customer: £36,518

List price: £40,000


3) Volkswagen Tiguan

Unlike the Audi and Mercedes above, the new version of the Volkswagen Tiguan can already be seen on UK streets. If you’re more concerned with getting the most bang for your buck over having the newest model on the drive, however, you can save yourself thousands by opting for one of the outgoing cars.

Volkswagen is currently throwing in a £3,250 deposit contribution on the old car – though no official discounts are available on the new car – along with lower interest rates. This means that monthly payments of £239 will get you the keys to the old Tiguan, while you’d need £320.49 for a similarly-priced new model (with the same contract terms).*

This means that over four years you’d save around £4,000 by choosing the older model – whether you choose to buy it outright or hand the keys back at the end of the contract.

Volkswagen Tiguan 2.0 TDI 150 Match Edition

Monthly cost: £239

Deposit: £4,285.86

APR: 4.9 percent

Total amount payable by customer: £25,288.19

List price: £25,850


4) BMW 5 Series

The current 5 Series was launched in 2010 and will be replaced at the end of 2016. Though it may be getting on in years, it’s still a very appealing large car – especially with BMW now throwing in a deposit contribution of more than £6,000 if you opt for the company’s PCP finance scheme.

Interest charges are reasonable at 4.9 percent, and in conjunction with £6,110.93 in deposit contribution on the popular and frugal 520d M Sport, you’ll pay less by buying the car through PCP than by paying cash. If you plan to hand the car back at the end of the term, monthly payments are also good value at less than £350 per month.*

BMW 520d M Sport

Monthly cost: £348.88

Deposit: £5,959

APR: 4.9 percent

Total amount payable by customer: £32,651.68

List price: £35,990


5) Skoda Yeti

The Skoda Yeti is every bit as quirky as it was when it first arrived in 2009. What time has done, however, is make it better value. Not only can you now get the Yeti with zero-percent APR, but Skoda is currently throwing in a £1,000 deposit contribution. 

Best of all, the car company is offering £750 worth of free fuel with orders placed before July 18. As a result of these savings, monthly payments stand at a low £213.25 for a three-year PCP with a £2,000 deposit – and you’ll be quids in if you choose to buy the car at the end of the contract.*

Skoda Yeti 1.2 TSI 110 SE

Monthly cost: £213.25

Deposit: £2,000

APR: 0 percent

Total amount payable by customer: £17,759.95

List price: £18,760

Still getting your head around car finance? Click on the links below to find out more:

Car finance explained: what is PCP?
Eight signs of a great-value PCP deal
The seven deadly sins of car finance
Best cars for £300 per month on PCP
Car finance: how to get the sums right

*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.