Best new car deals 2021 - PCP, cash, and leasing

  • The best cars for your budget
  • The biggest car discounts
  • The full low down on lease deals, 0% APR finance, and cash savings

We’ve walked the hard metaphorical miles and fished-out the best car offers right now. Both leasing and PCP deals are all covered here.

Modern financing offers people the chance to drive a more upmarket or higher-spec car than they might expect, all without breaking the bank.

But before diving into the offers and discounts, we recommend doing some homework. Work out how much your current vehicle is worth with our car valuation tool. Learn how cheap car finance works. And decide if a scrappage scheme works for you. Plus if nothing tickles your fancy on this list, you can always visit our cars for sale section for used car deals.

And if you're interested in buying or leasing a car without visiting a dealership, check out our guide on how to buy a car online.

What type of finance to choose?

PCH personal leasing

> Best for lowest monthly cost and changing cars often. You will not own the car.

PCP finance

> Best for flexibility. You choose whether to buy the car at the end of the deal.

If you're new to finance check out our full guides on PCH leasing and PCP finance.

Best car deals right now - latest deals updated 22/10/2021

Best car deals: PCH personal leasing Best car deals: PCP finance
1: Ford Puma £205 per month
1: Kia Sportage £295 per month
2: Cupra Leon PHEV £266 per month
2: Ford Kuga £285 per month
3: Polestar 2 £389 per month
3: MG ZS EV £276 per month
4: Hyundai Tucson £245 per month
4: Renault Clio £169 per month
5: Nissan Juke £228 per month
5: Audi A6 £419 per month

Best PCH deals

PCH personal leasing is the simplest way of getting behind the wheel of a brand-new car. Put down your initial payment, lay out those monthly payments, then that's it. You hand the car back at the end of the contract.

If you like keeping your cars for a long time, the best PCP deals are usually better value. But if you do like changing your car every two to three years, then leasing is a wise choice.

PCH personal leasing deals – Ford Puma £205/month

Ford Puma lease deals

If you're in the market for a small SUV (and let's face it, plenty of people are) the Puma is the best around. In fact it's so good, we crowned it our Small Family Car of the Year

Ford's littlest SUV deftly combines the looks of a rugged SUV in a small and easy to park package. Mix that with a fun driving experience, and nice touches like a Megabox in the boot (essentially a waterproof box with a drain plug), and it's easy to see why it took home our coveted prize.

The model on offer here is a ST-Line X, complete with 18-inch alloy wheels, driving modes, and Apple CarPlay/Android Auto.*

Ford Puma 1.0 EcoBoost ST-Line X

  • Monthly cost: £205 (47 payments, incl. VAT)
  • Initial payment: £1,250 (Plus £99 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £10,984
  • Mileage allowance: 8,000 miles per year
  • Click here for the latest Ford Puma deals

PCH personal leasing deals – Cupra Leon £266/month

Cupra Leon leasing deals

Let's get you up to speed. Cupra is the sporting offshoot of SEAT. The Cupra Leon is like a hotted up version of the SEAT Leon, which is essentially a Latin version of the VW Golf.

The Cupra differs from the SEAT because it's harder, faster, and better to drive. It comes with sports suspension to tighten up body control, big wheels to give it better stance, and powerful engines to show off in.

The model on offer here is a plug-in hybrid, meaning it can be both frugal and fast. Official MPG ratings state it can get up to 217.3mpg, assuming you have a full battery and aren't travelling very far. It also has 245hp and a 0-62mph time of sub seven seconds.*

Cupra Leon 1.4 eHybrid VZ2

  • Monthly cost: £266 (47 payments, incl. VAT)
  • Initial payment: £1,750 (Plus £99 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £14,351
  • Mileage allowance: 8,000 miles per year
  • Click here for the latest Cupra Leon deals

PCH personal leasing – Polestar 2 £389/month

Polestar 2 leasing

You might not have heard of Polestar. In case you haven't, it's the premium and electric sub-brand of Volvo. Broadly the Polestar 2 is a fashionable electric car designed to take on the mighty Tesla Model 3.

The 2 is a lovely thing. Very fashionable, with a sensible interior, Android infotainment, and build quality (panel gaps specifically) that Tesla could only dream of.

£400 per calendar flip affords you a Standard Range model with an official range of 275 miles.

Polestar 2 Standard Range

  • Monthly cost: £389 (47 payments, incl. VAT)
  • Initial payment: £2,750 (Plus £99 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £21,132
  • Mileage allowance: 8,000 miles per year
  • Click here for the latest Polestar 2 leasing deals

PCH personal leasing deals - Hyundai Tucson £245/month

Hyundai Tucson leasing deal

This new Tucson is quite the change from the old model. The bold styling, complete with those in vogue deep creases, is enough to make some people ask if this really is a Hyundai.

The tech on offer for the money is strong too. All models come with Apple CarPlay/Android Auto, drive modes, and parking sensors. 

Engine range is sensible, but lacking any diesels. The model on offer has a sensible 1.6-litre petrol engine capable of 42.8mpg.*

Hyundai Tucson 1.6 TGDi SE Connect

  • Monthly cost: £245 (47 payments, incl. VAT)
  • Initial payment: £1,500 (Plus £99 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £13,114
  • Mileage allowance: 8,000 miles per year
  • Click here for the Hyundai Tucson deals

PCH personal leasing deals – Nissan Juke £228/month

Nissan Juke lease deals

You've probably seen hundreds of these around. The reason? The Juke offers people who don't need a large car an alternative to a humdrum small hatchback. Plus it has the added bonus of being made in the UK by a brand known for its reliability.

The rear cabin is large enough for two six-footers to sit comfortably, while the 422-litre boot isn't far off the size of the larger Nissan Qashqai model.

On offer here is Nissan's frugal 1.0-litre petrol, capable of an officially-rated 56.5mpg.*

Nissan Juke 1.0-litre N-Connecta

  • Monthly cost: £228 (35 payments, incl. VAT)
  • Initial payment: £1,500 (Plus £99 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £9,579
  • Mileage allowance: 8,000 miles per year
  • Click here for the latest Nissan Juke deals

*These deals are indicative examples of some packages available as of 22 October 2021 but are subject to change without prior notice. Everyone’s financial circumstances are different, and the availability of credit is subject to status. Terms, conditions and exclusions apply. Parkers cannot recommend a deal for you specifically. Bauer Consumer Media Limited is an appointed representative of ZenAuto Limited for the broking of regulated hire agreements. ZenAuto Limited is authorised and regulated by the Financial Conduct Authority. ZenAuto Limited's registered office is Number One, Great Exhibition Way, Kirkstall Forge, Leeds LS5 3BF. ZenAuto Limited's company registration number is 10967345. ZenAuto is the trading name of ZenAuto Limited. Terms, conditions and exclusions apply.


Best PCP deals

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

PCP is the most popular type of car finance, which means the best new car deals in the UK are often PCP based. 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: Kia Sportage £310/month, £9,502 deposit, 0% APR

Kia Sportage PCP

A 491-litre boot, a £300 per month price tag, no interest to pay, and a seven-year warranty. 

There's an awful lot going for the Sportage, but it's going cheap because there's a new one en route.

The deposit is massive too. But it's a canny way to buy a new car outright.**

SEAT Leon Estate FR 1.5 TSI

  • Monthly cost: £309.57 (24 payments)
  • Deposit: £9,502
  • Total amount payable by customer to buy car: £31,510
  • Cash price: £31,510
  • Mileage allowance: 8,000 miles per year
  • APR: 0%

PCP finance –  Ford Kuga: £285/month, £5,798 deposit, 0% APR

Best new car deals 2021

Plusher than a Nissan Qashqai, more practical than a Kia Sportage, and nicer to drive than a SEAT Ateca. The Kuga is a car that's easy to recommend.

Great equipment levels too - especially for the ST-Line Edition model offered up here. It comes with a frugal plug-in hybrid engine, capable of three-figure mpg scores under the right circumstances.

Benefits from 0% APR too.**

Ford Kuga ST-Line Edition

  • Monthly cost: £390 (36 payments)
  • Deposit: £6,202
  • Total amount payable: £37,755
  • Cash price: £37,755
  • Mileage allowance: 9,000 miles per year
  • APR: 0%

PCP finance – MG ZS EV: £269/month, £2,867 deposit, 0% APR

MG ZS EV PCP deals

An electric SUV with a 163-mile range and 448-litre boot for less than £300 per month - with a 0% APR offer thrown in for good measure. There's an awful lot to like with this deal.

Town and city life is where the ZS EV excels, but it's not perfect. Inside it feels pretty cheap. Mind you, other electric cars of this size, like the Kia e-Niro, cost more like £350-£400 per month with a much heftier deposit.**

MG ZS EV Excite

  • Monthly cost: £269 (48 payments)
  • Deposit: £2,867.35
  • Total amount payable: £27,845
  • Cash price: £27,845
  • Mileage allowance: 8,000 miles per year
  • APR: 0%

PCP finance – Renault Clio: £169/month, £4,225 deposit, 0% APR

Renault Clio PCP deal

This year's Parkers awards saw Renault take home the best new-car finance of the year gong due its stellar finance offers.

The Clio is handsome, well-equipped and very well priced. The boot is bigger than cars in the next class up, and basic models are cheap to insure.

You're looking at a bottom spec Play model for this price. It's still packed with kit, such as alloy wheels, Apple CarPlay/Android Auto and cruise control.*

Renault Clio Play SCE

  • Monthly cost: £169 (325 payments)
  • Deposit: £4,225
  • Total amount payable: £16,200
  • Cash price: £16,200
  • Mileage allowance: 6,000 miles per year
  • APR: 0%

PCP finance – Audi A6: £419/month, £8,682 deposit, 0% APR

Audi A6 PCP deals

The A6 is a 'full-sized' executive car and sits between the A4 and A8 in Audi's saloon range. On the outside it's simple and understated, while inside it's rammed with tech. Up front there are twin touchscreens, the top one controlling things such as the sat-nav, while the bottom is for temperature controls. They work brilliantly.

Everything else about the A6 is as well-built as a Swiss watch factory, plus there's decent room inside too. Rear leg and shoulder room is strong. Four adults fit nicely in the A6, even on long journeys.

The offer here is for mid-spec S Line with a 2.0-litre 204hp petrol engine. Big deposit contribution makes it noteworthy.**

Audi A6 S Line 40 TFSI 204 automatic

  • Monthly cost: £419 (47 payments)
  • Deposit: £8,682.11 (including £5,000 deposit contribution)
  • Total amount payable: £45,424.31
  • Cash price: £44,295
  • Mileage allowance: 10,000 miles per year
  • APR: 6.6%

** These deals are indicative examples of some packages available as of 22 October 2021, but are subject to change without prior notice. Everyone's financial circumstances are different and the availability of credit is subject to status. Terms, conditions and exclusions apply. Parkers cannot recommend a deal for you specifically.

What to read next - learn more about car finance deals

>> Best cheap car deals 

>> Best new cars for £100 per month

>> Best new cars for £150 per month

>> Best new cars for £200 per month

>> Best new cars for £300 per month

>> Best new cars for £400 per month

>> Best new cars for £500 per month

Further reading

>> 0% APR car finance deals: how it works and the latest deals

>> No deposit deals

>> 0% APR with no deposit deals

>> How to lease a car with bad credit

>> Lease or buy?

>> Best electric cars to lease