Best new car deals 2020

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

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 walked the hard metaphorical miles and fished-out the best-value car deals available right now. Leasing, PCP, and cash deals are all covered here.

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

             

With car finance splitting the cost of a new car into affordable chunks, the best car 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**. Plus you can always visit our cars for sale section for used car deals. And when you come to sell your current vehicle, make sure you get a car valuation from us to ensure you get a good price.

PCH deals: best new car deals for personal lease*

Looking to run a brand-new car for a competitive monthly payment? If you don't want to own the car at the end of the contract, PCH personal leasing could be perfect.

With no option to buy the car, you simply make an initial payment that includes the first month's rental followed by a series of monthly payments. When the term ends, just hand the car back and you can choose to walk away or get another one. Though, do be aware that you'll be charged for excess mileage and damage. Other end of contract charges may also apply.

How does leasing work?

PCH personal leasing – Seat Tarraco: Solid family transport from £233/month

2019 Seat Tarraco front

A massively practical interior, high driving position, refined and frugal engines, SUV looks and lots of equipment. We could go on.

Monthly payments come in at £233 for the 1.5 TSI SE Technology, which includes seven seats, metallic paint and sat-nav as standard.*

That gets you the Tarraco on a three-year, 8,000-mile-per-year lease contract with £1,750 initial payment.

SEAT Tarraco 1.5 TSI Evo SE Technology

  • Monthly cost: £233 (35 payments, incl. VAT)
  • Initial payment: £1,750 (£199 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £10,104
  • Mileage allowance: 8,000 miles per year

 

PCH personal leasing – Hyundai Ioniq electric: Electric saloon for £243/month 

2019 Hyundai Ioniq electric

The Ioniq might bear a passing resemblance to the Toyota Prius, but unlike its Japanese rival, the Hyundai is available in self-charging hybrid, plug-in hybrid and fully electric forms, plus it has a smoother style of automatic gearbox.

This electric version is deftly smooth courtesy of its 120hp/295Nm motor. And because it's longer than its direct rivals, like the e-Golf found further down on this list, it has a really quite big boot measuring in at 350-litres. It's backed up by Hyundai's better-than-average five-year warranty too.

Hyundai Ioniq 100kW Premium

  • Monthly cost: £243 (35 payments, incl. VAT)
  • Initial payment: £2000 (£199 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £10,704
  • Mileage allowance: 8,000 miles per year

 

PCH personal leasing – Fiat 500: Chic and easy to drive city car: £144/month

Fiat 500 side view

If you're on a budget, but want something cool and sleek, not much beats the Fiat 500. As well as being cheap to lease, it shouldn't cost you too much in upkeep and petrol. And the Fiat 500 has proven to be exceptionally dependable in the long-term.

On offer here is a Lounge spec car, with 15-inch alloy wheels, Apple CarPlay/Android Auto, and rear parking sensors.*

Fiat 500 1.2 Lounge

  • Monthly cost: £141 (35 payments, incl. VAT)
  • Initial payment: £750 (£199 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £5,884
  • Mileage allowance: 8,000 miles per year

 

PCH personal leasing – Nissan Qashqai: popular family crossover for £189/month 

White Nissan Qashqai, £195/month lease offers

It's one of the greatest success stories of the 21st century - Nissan's bold blend of family-car convenience and handling with off-roader height has stolen the hearts of British drivers. Even as other manufacturers have cloned the concept, Nissan's original represents both great value - particularly in N-Connecta specification, with surround-view camera and extra safety technology - and great usability.

N-Connecta cars, with the economical 1.3-litre turbo engine come in at £189 per month.*

Nissan Qashqai 1.3 DIG-T N-Connecta (Glass roof pack)

  • Monthly cost: £189 (35 payments, incl. VAT)
  • Initial payment: £1,500 (£199 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £8,314
  • Mileage allowance: 8,000 miles per year

 

PCH personal leasing – Volvo XC40: small and stylish crossover for £239/month 

Blue 2019 Volvo XC40 rear

This may be the baby of the Volvo SUV range, but it doesn't compromise on style or high-end safety kit. The autonomous emergency braking system can tell the difference between cars, pedestrians, and cyclists, and of course, it scored a five star rating from Euro NCAP.

The T3 petrol engine is good for short journeys, and claims an mpg rating of up to 41.5mpg.*

Volvo XC40 1.5 T3 Momentum

  • Monthly cost: £239 (35 payments, incl. VAT)
  • Initial payment: £1,750 (£199 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £10,314
  • Mileage allowance: 8,000 miles per year

 

PCH personal leasing – Mazda 6: minimalist saloon for £216/month 

Red 2018 Mazda 6

Superby stylish, sharp to drive, and with an interior so ergonomically pleasing, you'll assume Mazda engineers somehow took your measurements in your sleep. Mazda wants to make motorists see the 6 as a savvy alternative to mainstream German saloons. This deal brings those savvy drivers even more value.

The 2.0-litre petrol engine in this isn't the quickest, but it's a lot more responsive than a typical diesel and nearly as economical.*

Mazda 6 2.0 SE-L Nav+

  • Monthly cost: £205 (35 payments, incl. VAT)
  • Initial payment: £1,750 (£199 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £9,124
  • Mileage allowance: 8,000 miles per year

 

PCH personal leasing – Renault Kadjar: Practical SUV for £200/month 

Blue 2018 Renault Kadjar

Strip away the bodywork of the Kadjar, and you'll find the same mechanical bits as a Nissan Qashqai. The differences? Well, the interior, and the exterior are very different. In fact, the Kadjar is longer, meaning it can offer up 472 litres worth of boot space in the rear - more than the Qashqai can conjur.

S Edition is a special edition model that sits just below top spec GT Line in the model lineup. Notable features include a panoramic sunroof, a rear parking camera, and lane departure warning systems.

Renault Kadjar 1.3 TCE S Edition

  • Monthly cost: £200 (35 payments, incl. VAT)
  • Initial payment: £1,500 (£199 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £8,699
  • Mileage allowance: 8,000 miles per year

 

PCH personal leasing – Citroen C3: Quirky supermini for £133/month 

Green 2018 Citroen C3

This chunky little thing goes toe to toe with the likes of the Ford Fiesta and Vauxhall Corsa, but manages to be cuter and more appealing than both. Inside, the simplified dash controls nearly everything on a touchscreen, and thanks to big windows, it feels a lot more spacious than it actually is inside. Not that you'll be wanting for space - the C3 easily swallows four people.

Flair models receive Citroen connected cam, an inbuilt form of dash-cam, Apple CarPlay/Android Auto, and a speed limit recognition system that will tell you what the speed limit is on the road you're driving.

Citroen C3 1.2 Puretech Flair

  • Monthly cost: £127 (35 payments, incl. VAT)
  • Initial payment: £1,250 (£199 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £5,894
  • Mileage allowance: 8,000 miles per year

 

PCH personal leasing – Volkswagen e-Golf: Electric family hatchback £254/month 

2018 Volkswagen e-Golf

Not many electric cars fall into the sub £300 a month mark. Why is this one then? Well, there's an all-new Golf coming out soon. And this e-Golf is being phased out - it'll be replaced by the ID.3 

Should you care? No. For £300 you get an electric car capable of doing 120-180 miles between charges that looks, feels, and drives just like a regular Golf. Well just like a Golf, only quieter.*

Volkswagen e-Golf

  • Monthly cost: £254 (35 payments, incl. VAT)
  • Initial payment: £2,000 (£199 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £11,089
  • Mileage allowance: 8,000 miles per year

*These deals are indicative examples of some packages available as of 31 January 2020 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.


Personal Contract Purchase (PCP) deals: best new cars to finance

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.

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 – Renault Clio: £179/month, £2,685 deposit, 0% APR

2019 orange Renault Clio

Updated towards the end of last year, the Clio has taken major strides in improving its overall quality. The interior is especially solid feeling and well designed, with the latest tech, including a portrait style infotainment screen. The boot's big, it's pretty good to drive, and there's a good array of engines too. It also took home our First Car of the Year award.

This particular deal is related to Play models with the 1.0-litre 75hp engine. It might not sound like a lot, but it's just enough if you mostly cover town and city miles. Renault's long five-year warranty, teamed with a 0% APR deal make it especially good value if you're looking to buy at the end of the contract.**

Renault Clio Play SCe 75

  • Monthly cost: £179 (24 payments)
  • Deposit: £2,685
  • Total amount payable: £14,695
  • Cash price: £14,695
  • Mileage allowance: 6,000 miles per year
  • APR: 0%

 

PCP finance –  Volkswagen Golf: £205/month, £8,003.80 deposit, 0% APR

Black, red, and blue Volkswagen Golfs

Yes, the Volkswagen Golf has officially been replaced. But that doesn't stop it from being a fantastic car. Despite being semi-retired, there's still a lot to recommend about the Golf - it rides well, it looks good, and the interior is pleasingly well arranged.

And the good news about it being replaced is that VW is trying to shift these old ones. R-Line models, complete with 17-inch alloy wheels, heated front seats and LED headlights are available for £205 per month on a 0% APR deal. There is a relatively high deposit, but, it's still great value, especially if you're thinking long-term.**

Volkswagen Golf R-Line 1.5 TSI

  • Monthly cost: £205 (47 payments)
  • Deposit: £8,003.80
  • Total amount payable: £27,195
  • Cash price: £27,195
  • Mileage allowance: 10,000 miles per year
  • APR: 0%

 

PCP finance – Alfa Romeo Giulia: £289/month, £6,499 deposit, 3.9% APR

Blue 2017 Alfa Romeo Giulia

Even on Britain's broken roads, the Giulia rides nicely and drives superbly too. It's far more fun than a regular family hatch. And just look at it. There aren't many prettier saloons out there. 

This offer is for last year's model. It doesn't quite have the same interior quality as the new one, but there's little else different. A whopping great deposit contribution means that even with interest added, you'll be saving £3,207 if you buy at the end of the contract.**

Alfa Romeo Giulia TB Nero 200 Edizione

  • Monthly cost: £289 (48 payments)
  • Deposit: £6,499 (includes £4,750 manufacturer deposit contribution, plus £1,250 dealer deposit contribution)
  • Total amount payable: £32,788
  • Cash price: £35,995
  • Mileage allowance: 8,000 miles per year
  • APR: 3.9%

 

PCP finance – BMW 5 Series: £399/month, £5,199 deposit, 3.9% APR

2016 Silver BMW 5 Series

BMW's 5 Series is the benchmark for the premium executive class. It achieved this status by building on its winning formula. It's a simple one - all models are well-appointed, spacious, and a superb steer.

The 520d M Sport is the one to go for too. The 2.0-litre diesel engine is powerful and economical, and M Sport trim comes with a long list of standard equipment. The deposit on this deal is brought down to a very reasonable 12% thanks to a manufacturer deposit contribution.**

BMW 520d M Sport

  • Monthly cost: £399 (47 payments)
  • Deposit: £5,199 (includes £6,594 manufacturer deposit contribution)
  • Total amount payable: £45,648.15
  • Cash price: £42,140
  • Mileage allowance: 10,000 miles per year
  • APR: 3.9%

PCP finance – Volkswagen Touareg: £399/month, £9,140.40 deposit, 0% APR

2019 silver Volkswagen Touareg

While the Touareg is perched at the top of the Volkswagen tree, it actually sits at the bottom of the hierarchy of the Volkswagen Group luxury SUV class. What does this mean? Well, you get a car with the same underpinnings as the Bentley Bentayga, Lamborghini Urus, and Audi Q7. Obviously, it's quite different from these three, but it's certainly top quality pub ammo.

The 3.0-litre diesel engine found in this model is massively refined and feels effortless. SEL isn't even bottom spec - it comes with adaptive cruise control, 19-inch alloy wheels, and heated front seats. 0% APR combines with a decent sized manufacturer deposit contribution to help keep costs down.**

Volkswagen Touareg SEL 3.0 TDI

  • Monthly cost: £399 (47 payments)
  • Deposit: £9,190.40 (includes £3,500 manufacturer deposit contribution)
  • Total amount payable: £49,645
  • Cash price: £49,645
  • Mileage allowance: 10,000 miles per year
  • APR: 0%

Cash deals: best new cars to buy outright

Cash discount –  Volvo S90: £11,039 saving

Silver 2016 Volvo S90 static

The S90 is a stylish luxury saloon, packed with advanced safety kit and tech. It's also a left-field alternative to the likes of the BMW 5 Series, Mercedes E-Class, and Audi A6. Significant money off makes this sleek Swedish saloon a very, very tempting purchase.

Momentum Plus models may be nearly at the bottom of the ladder in terms of spec, but they still offer buyers luxuries like a 12.3-inch portrait style infotainment system, Pilot Assist adaptive cruise control, and adjustable drive modes. Diesel, like found in this D4, is still the most sensible option for the majority of buyers - and the Volvo has a claimed MPG of 64.2. Expect more like 50-60mpg.**

Volvo S90 Momentum Plus D4 Auto

  • List price: £38,465
  • Discounted price: £27,426
  • Saving: £11,039

Cash discount – Seat Leon: £4,305 saving

2018 Blue Seat Leon rear

Despite being on sale since 2013, the Leon still looks sharp and won't embarrass you in the supermarket car park. It shares oily bits with the Volkswagen Golf, but is considerably cheaper. Inside, it is plain, but well thought out and roomy, with a 380 litre boot.

The 1.5 TSI EVO on offer here is the one to go for. It makes light work of the Leon's size, while still offering mpg in the 50s.**

Seat Leon 1.5 TSI EVO SE

  • List price: £18,888
  • Discounted price: £14,583
  • Saving: £4,305

Cash discount – Peugeot 308 GTI: £9,419 saving

Blue and black 2017 Peugeot 308 GTI

There are faster, sharper and newer hot-hatches out there. But few are quite as temptingly priced as this. The 1.6-litre engine might look a little weedy on paper in comparison with 2.0-litres found in rivals, but 260hp on tap means a 0-62mph time of six seconds and a top speed of 155 mph.

This cash discount makes it cheaper than a smaller and slower Ford Fiesta ST-3.**

Peugeot 308 GTI 260

  • List price: £31,140
  • Discounted price: £21,991
  • Saving: £9,419

Cash discount – Kia Sportage: save £3,691

Red Kia Sportage rear

Most will be surprised to learn that the Kia Sportage was the 10th bestselling car of 2019 in the UK. Since this version went on sale in 2016, it's gained a loyal following. Buyers love the space it affords, and buying in cash means you can really take advantage of the seven year warranty.**

Kia Sportage 1.6 CRDi ISG

  • List price: £21,961
  • Discounted price: £18,270
  • Saving: £3,691

Cash discount – Audi Q7: save £18,050

Red 2019 Audi Q7 front

The Q7 is the largest car Audi makes, which is really saying something. It's the only four-ringed model with seven seats and it brings new meaning to the phrase 'interior ambiance'.

This Black Edition on offer has a huge range of standard kit, and this model even has a list of optional extras attached. But thanks to a gargantuan discount, this £74,345 behemoth could be yours for £56,295. It's still a lot of money, but it's also an awful lot of car.**

Audi Q7 50 TDI Quattro Black Edition

  • List price: £74,345
  • Discounted price: £56,295
  • Saving: £18,050

 

What to read next - learn more about car finance

Video: what is PCP car finance?
How does car leasing work?
0% APR finance: how it works and the latest deals

** These deals are indicative examples of some packages available as of 8 January 2020, 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.