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Fun for four: frugal finance deals on family-friendly cabriolets

  • Enjoy the sun and save money with the best finance deals
  • Pay less than the list price with several convertible offers
  • Don’t sacrifice practicality for style with top cabriolets

With blue skies across the UK and the potential of a mini-heatwave, there’s still plenty of time to enjoy a cabriolet this summer. And with some equally attractive finance offers on a number of four-seater drop-top cars, there’s no need to feel guilty, either.

Prices start from as little as £238 per month (with a £4,000 deposit), while if your budget is a little bigger, you could take advantage of an enormous £8,000 deposit contribution. What this means is that you can get a very desirable soft-top model for much less than you might think.

Find out how much you can afford to borrow with our car finance tool.

Volkswagen Beetle Cabriolet - £238/month

If retro styling is your thing, the Beetle Cabriolet maxes out on style points for a very affordable £238 per month. Running costs should be low too, with the small petrol motor returning claimed economy of 51.4mpg. Despite the engine’s small size, this Beetle should also prove suitably nippy on the road, thanks to a power-boosting turbocharger.

Volkswagen isn’t throwing in any discounts on the Beetle Cabriolet, and the 6.7 percent APR charged is steep, however. As a result, you’ll have paid £2,329 in interest if you buy the car at the end of the three-year contract.

Finance offer: Volkswagen Beetle Cabriolet 1.2 TSI 105 Design*

Parkers star rating: 3.5 stars

Monthly cost: £238.41 (35 payments)

Deposit: £4,000

Deposit contribution: £0

APR: 6.7 percent

Total amount payable by customer: £21,219.35

Cash price: £18,890

Mileage allowance: 10,000 miles

Volkswagen Beetle Cabriolet review

View the latest Volkswagen Beetle cars for sale

 

Audi A3 Cabriolet – £295/month

Should you fancy something a bit more contemporary in style, the A3 Cabriolet could fit the bill. With its sleek lines, high-quality interior and larger engine, this Audi is a big step up over the Volkswagen above. The monthly cost, however, is much more palatable than you might expect.

Helping to shrink monthly bills is a substantial £3,400 deposit contribution from Audi. This helps to offset the Beetle-matching APR charges of 6.7 percent. Consequently, should you buy the A3 at the end of the contract you’ll have paid less than the list price – all spread across manageable monthly payments.

Finance offer: Audi A3 Cabriolet 1.4 TFSI Sport*

Parkers star rating: 4.0 stars

Monthly cost: £294.93 (35 payments)

Deposit: £4,000

Deposit contribution: £3,400

APR: 6.7 percent

Total amount payable by customer: £28,416.40

Cash price: £28,425

Mileage allowance: 10,000 miles

Audi A3 Cabriolet review

View the latest Audi A3 Cabriolet cars for sale

 

BMW 2 Series Convertible – £363/month

Convertibles may not be famed for their practicality, but the soft-top 2 Series manages the unusual trick of offering more headroom in the back seats than its hard-top sibling. As a result, the rear seats are usable for adults, whether the roof is up or down.

The person in the driver’s seat isn’t neglected either, as the 2 Series offers sharp handling, while remaining reasonably comfortable. Opting for the BMW will cost much more than the Audi above every month, though, despite this car’s lower price – as the deposit contribution is much lower at £750.

Finance offer: BMW 218i Convertible Sport*

Parkers star rating: 4.5 stars

Monthly cost: £362.85 (35 payments)

Deposit: £4,000

Deposit contribution: £750

APR: 5.9 percent

Total amount payable by customer: £30,119.73

Cash price: £27,730

Mileage allowance: 10,000 miles

BMW 2 Series Convertible review

View the latest BMW 2 Series Convertible cars for sale

 

Mercedes E-Class Cabriolet – £419/month

This E-Class may be getting a little long in the tooth – as it was launched back in 2010 – but as a result, Mercedes will throw in a huge £7,791 deposit contribution if you opt for finance. What this means is that should you buy the car outright at the end of the three-year contract you’ll have saved more than £3,400 on the list price.

You will have to stump up a substantial £5,499 deposit – unlike the other models in our round-up – but in return you get a chic soft-top in plush AMG Line Edition trim and with a diesel engine under the bonnet. The diesel motor provides plenty of muscle, while claimed economy is also impressive at 55.4mpg.

Finance offer: Mercedes E 220 d Cabriolet AMG Line Edition*

Parkers star rating: 4.0 stars

Monthly cost: £419 (36 payments)

Deposit: £5,499

Deposit contribution: £7,791.31

APR: 6.0 percent

Total amount payable by customer: £40,043

Cash price: £43,455

Mileage allowance: 10,000 miles

Mercedes E-Class Cabriolet review

View the latest Mercedes E-Class Cabriolet cars for sale

 

Audi A5 Cabriolet – £442/month

The Audi A5 is also getting on in years, but in this case the savings are even greater; courtesy of an £8,000 deposit contribution. This more than outweighs the 6.7 percent APR charge, saving you £4,100, compared with the list price, should you buy the car when the contract ends.

Monthly payments are higher than the Mercedes above, however, if you put down the same £5,499 deposit they undercut the E-Class Cabriolet at £395 per month. As with its German counterpart, this model packs a diesel engine under the bonnet, matching the Mercedes for economy at 55.4mpg, while it offers slightly faster acceleration.

Finance offer: Audi A5 Cabriolet 2.0 TDI S Line*

Parkers star rating: 4.5 stars

Monthly cost: £441.88 (35 payments)

Deposit: £4,000

Deposit contribution: £8,000

APR: 6.7 percent

Total amount payable by customer: £33,415.15

Cash price: £37,515

Mileage allowance: 10,000 miles

Audi A5 Cabriolet review

View the latest Audi A5 Cabriolet cars for sale

 

BMW 4 Series Convertible – £505/month

This BMW may not be able to match the Mercedes or Audi models above in the deposit contribution stakes, but the £3,013 thrown in by the manufacturer more than cancels out interest charges, thanks to lower 3.9 percent APR. Consequently, £505 monthly payments will get you the keys to the turbocharged 2.0-litre petrol 420i in sharply styled M Sport trim. You also benefit from a metal roof, which should mean greater refinement on the motorway than with the other models in this line-up.

This BMW may drink from the petrol pump, but economy is barely lower than the diesel Audi and Mercedes models at 51.4mpg. Acceleration is stronger than both, however, with the car taking a brief 8.2 seconds to sprint from a standstill to 62mph.

Finance offer: BMW 420i Convertible M Sport*

Parkers star rating: 4.0 stars

Monthly cost: £505.07 (35 payments)

Deposit: £4,000

Deposit contribution: £3,012.91

APR: 3.9 percent

Total amount payable by customer: £37,599.55

Cash price: £37,915

Mileage allowance: 10,000 miles

BMW 4 Series Convertible review

View the latest BMW 4 Series cars for sale

 

Ford Mustang Convertible – £512/month

If the BMW is just a bit too grown up for you, £7 more each month could see you driving a Ford Mustang in attention-grabbing soft-top form. Despite being less powerful than the range-topping model with its enormous 5.0-litre V8 engine, you won’t feel short changed in the power or style departments with this turbocharged 2.3-litre petrol version.

Performance is much stronger than the other convertibles in our line-up, with the Mustang launching from a standstill to 62mph in around six seconds. Economy does lag behind rivals, though, at a mere 34.4mpg. The car offsets this with a hefty dose of feel-good factor, however.

Finance offer: Ford Mustang 2.3 EcoBoost Convertible*

Parkers star rating: Not yet tested

Monthly cost: £511.68 (36 payments)

Deposit: £4,000

Deposit contribution: £0

APR: 5.9 percent

Total amount payable by customer: £38,634.48

Cash price: £34,495

Mileage allowance: 9,000 miles

Ford Mustang review

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Finance terms:
*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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*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.