Best new car deals 2020 - 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

Understandably, buying or selling a car isn't top priority for many at the moment. However, if you are thinking about your next motor - you're not the only one. In fact, car showroms will re-open on 1 June.

Car manufacturers and websites are reporting on increases in traffic following on from the COVID-19 pandemic. And there are plenty of new offers out there. So let Parkers guide you through where to find the best new car deals.

We’ve walked the hard metaphorical miles and fished-out the best-value car deals available right now for the general car buyer. 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.

>> Your Coronavirus (COVID-19) related questions answered

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.


The best new car deals: PCH personal leasing

PCH personal leasing is the simplest way of getting behind the wheel of a brand new car. You 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, PCP and HP deals are usually better value. But if you do like changing your car every two to three years, then leasing is a wise choice.

How does leasing work?
The best car leasing deals from our sister website CarZing

PCH personal leasing - Renault Zoe: stylish electric supermini for £193/month

2020 Renault Zoe

Even just two years ago, electric cars were unfeasibly expensive for most people. But now, times have changed. And prices are coming down to on par with regular petrol-powered cars.

The Renault Zoe is a prime candidate for your first electric car. The Zoe looks almost exactly like a conventional supermini, has an automatic-style gearbox, plus no nasty emissions coming out of tailpipes.

With more than 250-miles available on a full charge, most people would only need to plug in once every couple of weeks.*

Renault Zoe GT Line 100kw

  • Monthly cost: £193 (23 payments, incl. VAT)
  • Initial payment: £1,250 (Quote 'Delivery Now' to remove the £199 processing fee)***
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £5,689
  • Mileage allowance: 8,000 miles per year

PCH personal leasing – SEAT Tarraco: Seating for seven for £263/month 

2019 Seat Tarraco front

SEAT has another seven-seater in the form of the Alhambra MPV. Which is fine if you run a taxi firm - but if you want a seven-seat SEAT, we'd recommend this Tarraco. 

It might not be as quick as its looks would suggest, but it's nippy enough for a car of this size. There's also very little in the way of bodyroll - perfect if your kids get car sick easily.

The 1.5-litre petrol engine in version is strong enough to power a car of this size, and is well-suited if you don't cover galactic mileage.*

SEAT Tarraco 1.5 TSI EVO Xcellence

  • Monthly cost: £263 (24 payments, incl. VAT)
  • Initial payment: £1,750 (Quote 'Delivery Now' to remove the £199 processing fee)***
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £8,062
  • Mileage allowance: 8,000 miles per year

PCH personal leasing – Skoda Kamiq: Stylish mini SUV from £163

Skoda Kamiq lease deal

This chunky little Skoda is the smallest in the company's SUV lineup. In pictures it might seem fairly high up, but in reality, it's just a smidge taller than a regular hatchback. It looks just about right though. And there are loads of trim and engine variations too - making the Skoda feel like a really grown up thing.

SE L spec cars, like the one in this deal, get virtual cockpit (essentially a big screen that replaces the speedometer and rev counter), Apple CarPlay, and a blind spot detection system.*

Skoda Kamiq 1.0 TSI SE L

  • Monthly cost: £163 (23 payments, incl. VAT)
  • Initial payment: £1,750 (Quote 'Delivery Now' to remove the £199 processing fee)***
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £5,698
  • Mileage allowance: 8,000 miles per year

PCH personal leasing – Mercedes-Benz GLC Coupe: Is it an SUV? Is it a coupe? Who cares for £372/month

2020 Mercedes-Benz GLC Coupe

SUVs are continuing to grow in popularity, but as with hatchbacks, not everyone wants to drive something boxy. A la, the Mercedes-Benz GLC Coupe.

Its big wheels and wide hips make it look imposing. But in reality it's focused on families - so the GLC Coupe is still a sensible proposition, with five-doors and just about enough rear headroom for six-foot adults.

This model on offer has a 2.0-litre petrol engine with four-wheel-drive.*

Mercedes-Benz GLC Coupe 300 4Matic AMG Line

  • Monthly cost: £372 (35 payments, incl. VAT)
  • Initial payment: £2,750 (Quote 'Delivery Now' to remove the £199 processing fee)***
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £15,770
  • Mileage allowance: 8,000 miles per year

PCH personal leasing – Mercedes-Benz CLA: upmarket saloon from £348/month

Mercedes-Benz CLA leasing deals

The Mercedes A-Class is the company's bestselling car in the UK. But what happens if you don't want something so common?

Mercedes has your back. The CLA shares mechanical bits with the A-Class, but has a stylish and classy four-door coupe shape.

This is a saloon - so not one to have if you want to transport a dog in the boot.*

Mercedes-Benz CLA 220d AMG Line

  • Monthly cost: £348 (35 payments, incl. VAT)
  • Initial payment: £2,500 (Quote 'Delivery Now' to remove the £199 processing fee)***
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £14,680
  • Mileage allowance: 8,000 miles per year

PCH personal leasing – Audi Q3: posh meets practical from £262

Audi Q3 leasing deals

The Q3's capacious boot can stretch to 675-litres with the seats up, or to 1,525-litres with them folded into place. But, that's not the only reason you buy a Q3. This Audi SUV has just about the right amount of badge appeal for people who like to keep up with the neighbours.

This offer is for the cheapest trim, with the tiddliest engine. You're not missing out on anything though. Even base spec cars come with drive modes, parking sensors, and Audi's impressive virtual cockpit system.*

Audi Q3 Sport

  • Monthly cost: £262 (35 payments, incl. VAT)
  • Initial payment: £2,000 (Quote 'Delivery Now' to remove the £199 processing fee)***
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £11,170
  • Mileage allowance: 8,000 miles per year

*These deals are indicative examples of some packages available as of 29 May 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.


The best new car deals: Personal Contract Purchase (PCP)

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: £199/month, £500 deposit, 0% APR

2019 orange Renault Clio

Updated in late 2019, the Clio has taken major strides in improving its overall quality compared with the old car. 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: £199 (36 payments)
  • Deposit: £500
  • Total amount payable: £14,895
  • Cash price: £14,895
  • Mileage allowance: 6,000 miles per year
  • APR: 0%

 

PCP finance –  Ford Focus: £200/month, £5,700 deposit, 0% APR

2018 Ford Focus driving

How good is the Focus? Well it took the crown for the Parkers Small Family Car of the Year. We love its spacious interior, and the way it drives.

It's also packaged in a way that's extremely easy to use and understand. Good kit levels too - especially for the ST-Line that's up for grabs here.**

Ford Focus ST-Line 1.0 EcoBoost 125

  • Monthly cost: £200 (36 payments)
  • Deposit: £5,700 (including £500 deposit allowance)
  • Total amount payable: £21,690
  • Cash price: £21,690
  • Mileage allowance: 9,000 miles per year
  • APR: 0%

 

PCP finance – Volkswagen Tiguan: £255/month, £9,374 deposit, 0% APR

Volkswagen Tiguan PCP deal

Sensible sells. And not much is as sensible as a Volkswagen SUV. The high-quality, practical interior is lovely to sit in, and there's no denying that the VW moniker has plenty of badge appeal.

The model on offer here is called Match. It's a nameplate dragged out by VW when a car is getting on a bit - and it provides great value for money. It's loaded with kit like keyless entry and sat-nav.

As a jack-of-all-trades it's very difficult to match - and that 2.0-litre diesel engine is a peach if you cover a lot of miles, or want to tow.**

Volkswagen Tiguan Match 2.0 TDI

  • Monthly cost: £255 (47 payments)
  • Deposit: £9,374
  • Total amount payable: £31,725
  • Cash price: £31,725
  • Mileage allowance: 10,000 miles per year
  • APR: 0%

 

PCP finance – BMW 5-Series: £380/month, £4,669 deposit, 1.9% 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, and it's a simple one - all models are well-appointed, spacious, and a superb steer.

The 520i M Sport is the one to go for too if you don't regularly batter the motorways.

The 2.0-litre petrol engine is powerful, economical, and quiet. While M Sport trim comes with a long list of standard equipment. The deposit includes a whopping £5,773.66 manufacturer deposit contribution.**

BMW 520i M Sport

  • Monthly cost: £380.94 (47 payments)
  • Deposit: £4,669 (includes £5,773.66 manufacturer deposit contribution)
  • Total amount payable: £42,665.84
  • Cash price: £40,970
  • Mileage allowance: 10,000 miles per year
  • APR: 1.9%

PCP finance – Volvo S90 Hybrid: £559/month, £1,083.50 deposit, 0% APR

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. Except, thanks to keen finance deals, it's a good chunk cheaper.

This model on offer is a plug-in hybrid, capable of up to 35-miles of electric-only driving. Combined power is close to 400hp too, meaning the industry standard 0-62mph is dealt with in 5.1 seconds.

R-Design models are the sporty looking ones, which means they come with a very mild bodykit, slightly sporty seats, and a black (not chrome) grille. On top of that, you'll get a 12.3-inch portrait style infotainment system, Pilot Assist adaptive cruise control, and adjustable drive modes. Huge deposit contribution and 0% APR makes this a bargain.**

Volvo S90 D4 Momentum Plus

  • Monthly cost: £559 (49 payments)
  • Deposit: £1,083.50 (includes £6,612 manufacturer deposit contribution)
  • Total amount payable: £51,518
  • Cash price: £51,518
  • Mileage allowance: 10,000 miles per year
  • APR: 0%

The best new car deals: Cash

The phrase cash is king is often repeated at business conferences up and down the A1. And sometimes it's even true. If you want to own, and keep your car for a while, cash deals are refreshingly simple. Car manufacturers rarely do cash deals on new cars anymore - but there are plenty of middlemen offering huge cash discounts on new cars.

Cash discount –  Fiat Tipo: £5,302 saving

2020 Fiat Tipo

The Fiat Tipo lacks much in the way of Italian brio. It's a relatively safe design that doesn’t make much attempt to stand out from the crowd, and despite a smattering of interesting detailing – the headlights, grille and bodyside creasing, for instance – it nevertheless blends in with the plethora of generic small saloons on sale.

Huge cash discounts make it a bargain. And at least there’s plenty of space once aboard the Tipo, including a welcome 440-litre boot, which makes it one of the roomiest in the class. Discounts available in a number of different places too.

Fiat Tipo Street 1.4 95hp

  • List price: £16,600
  • Discounted price: £11,298
  • Saving: £5,302

Cash discount – SEAT Arona: £2,937 saving

2018 SEAT Arona

The Arona is aimed at people who have outgrown the SEAT Ibiza. Whether that's physically, with the addition of kids, or, mentally, as people's tastes migrate from superminis to mini SUVs.

It shares oily bits with the Volkswagen T-Roc, but is considerably cheaper. Inside, it is plain, but well thought out and roomy, with a 400-litre boot.

The 1.0 TSI on offer here is the one to go for if you don't regularly travel up and down motorways.**

SEAT Arona 1.0 TSI FR

  • List price: £21,577
  • Discounted price: £18,640
  • Saving: £2,937

Cash discount – Kia Niro: £2,500 saving

Kia Niro cash deals

The Kia Niro is a class act. It's quiet, practical and undeniably spacious, it drives smoothly, and it even handles reasonably tidily. Being 2020, the Niro is of course both a small SUV, and a hybrid. This means it's extremely in vogue, plus, it should be able to achieve more than 50mpg.

Now, this cash discount is in the form of a scrappage scheme. This means Kia will give you £2,500 off the list price when you hand over the keys to your old car. Click the link below for the full terms and conditions.**

Kia Niro Hybrid 4

  • List price: £29,600
  • Discounted price: £27,100
  • Saving: £2,500

Cash discount – Ford Mondeo: £5,390 saving

2019 Ford Modeo white rear

The Ford Mondeo's popularity was once the stuff of legend. Today, it's not even a top 10 bestseller.

However, the Mondeo remains a big saloon that's comfortable chewing up mega mileages in refinement. Plus, this model is a hybrid. Not many cars out there are this, big, comfortable, and economical for £20,000 cash.**

Ford Mondeo 2.0 Zetec Hybrid

  • List price: £25,861
  • Discounted price: £20,471
  • Saving: £5,390

Cash discount – Mercedes-Benz E-Class: save £13,905

Mercedes-Benz E-Class cash deals

The Mercedes-Benz E-Class is, to some, the de facto executive car. It's practical, stylish, and more than a match for the likes of the Audi A6 and BMW 5 Series. 

One of the E-Class's strengths is its range of engines. It's limited but wide-ranging, with petrol, diesel, and plug-in hybrids on offer. Most will be satisfied with the engine on offer here - the E 220 d. It's smooth, superbly economical, and with its low emissions it will appeal to company car drivers too.**

Mercedes-Benz E-Class E220d AMG Line Night Edition Premium

  • List price: £49,830
  • Discounted price: £37,049
  • Saving: £12,781

What to read next - learn more about car finance

Best new cars for £90 per month
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 finance: how it works and the latest deals
How to lease a car with bad credit
Lease or buy?
Best electric cars to lease
Scrappage schemes: why they can save you thousands

** These deals are indicative examples of some packages available as of 22 May 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.

*** Priority delivery as soon as slots are available and the peace of mind that you can cancel up to 24 hours before delivery if you need to, without charge. These cars are registered and in the UK, for fast delivery when it's safe to. Call and quote the code 'Delivery Now' and we will remove the processing fee of £199 too. Click here for full terms and conditions.