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

As UK car dealerships reopen and the country comes out of lockdown, new car deals are becoming an urgent need and want for many.

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

Thanks to modern financing, the best new car deals offer 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 worried about buying a car at this time you can read our Coronavirus FAQs as well as our guide on how to buy a car online.

What type of finance to choose?

PCH leasing

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

PCP

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

Cash 

> Best for long-term buyers. You own the car immediately.

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 11/05/2021

Best car deals: PCH personal leasing Best car deals: PCP finance Best car deals: cash savings 
1: Audi A3 plug-in hybrid £274 per month
1: Ford Kuga £285 per month
1: Mercedes-Benz C-Class £28,476.99
2: BMW 3 Series estate £369 per month
2: MG ZS EV £286.25 per month 2: Kia Sportage £21,273
3: SEAT Tarraco £289 per month
3: SEAT Ibiza £219 per month 3: Fiat Tipo £11,998
4: Nissan Qashqai £204 per month
4: SEAT Leon £284.99 per month
4: Mitsubishi Outlander PHEV £32,315
5: VW ID.3 £335 per month
5: Toyota GR Yaris £299 per month 5: SsangYong Tivoli XLV £16,395

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 - Audi A3 plug-in hybrid £274/month

Audi A3 lease

The Audi A3 is a mid-sized hatchback for people who prefer a premium badged car. And who can blame them? This A3 is a handsome thing with sharp creases along the flank and an interior that's classy and high-tech. Practicality is on par with the Volkswagen Golf, and it's a great steer too. Old cliches about Audis being 'nose heavy' need not apply here.

Out of the premium hatchback range, our pick would be the A3.

This deal is for the plug-in hybrid model, the most economical and cleanest car in the A3 range. It combines a 1.4-litre petrol engine and an electric motor. Officially, full EV range is 41 miles, but expect more like 35-ish. Oh, and if you do regularly plug in, you should see more than 100mpg.*

Audi A3 40 TFSI e S Line

  • Monthly cost: £274 (35 payments, incl. VAT)
  • Initial payment: £2,000 (Plus £99 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £11,689
  • Mileage allowance: 8,000 miles per year
  • Click here for the Audi A3 deals

PCH personal leasing deals – BMW 3 Series estate £369/month

BMW 3 Series Touring lease

Superbly impressive and comfortable all-rounder from a brand you'll love. The BMW 3 Series Touring combines a plush, well-made, and tech-filled interior with a useful 500-litre estate-shaped boot.

It's the perfect fit if you think SUVs are a bit gauche. And whisper it - a 3 Series Touring is much better to drive than most SUVs out there. It's rear-wheel drive layout and lack of bulk makes it feel so much more svelte than a typical high-sided crossover.

The 320i M Sport on offer here has sporty-looking accoutrements like 18-inch alloy wheels, but comes with a sensible petrol engine capable of more than 40mpg.*

BMW 3 Series Touring 320i M Sport

  • Monthly cost: £369 (35 payments, incl. VAT)
  • Initial payment: £2,500 (Plus £99 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £15,514
  • Mileage allowance: 8,000 miles per year
  • Click here for the latest BMW 3 Series Touring deals

PCH personal leasing – SEAT Tarraco £289/month

SEAT Tarraco leasing deals

SEAT's largest SUV for less than £300 per month. How big is it? Well the boot will hold 700 litres worth of stuff and there's seating for seven. Admittedly, boot size shrinks to 230 litres if you have all seven seats erect. 

Don't think that this SEAT is basically a van either. Soft touch plastics feature throughout, plus there are interior niceties like a digital display instead of an analogue rev counter.

This deal is for the1.5-litre petrol engine - just the ticket if you do a lot of short journeys.*

SEAT Tarraco 1.5 TSI FR

  • Monthly cost: £289 (35 payments, incl. VAT)
  • Initial payment: £2,000 (Plus £99 processing fee)
  • Total amount payable by customer to lease car and return (excluding excess mileage charges and any end of contract charges): £12,214
  • Mileage allowance: 8,000 miles per year
  • Click here for the latest SEAT Tarraco deals

PCH personal leasing deals – Nissan Qashqai £204/month

Nissan Qashqai best deals

You've probably seen hundreds of Qashqais firing up and down your local high street. The reason it's so appealing is that it offers family car buyers decent space and plenty of kit, with the added bonus of it being made in the UK and coming from a brand known for its reliability.

The 430-litre boot is clever too. The floor has two heights - one increases boot space and the other makes the floor flat for when you have the rear seats down.

On offer here is Nissan's surprisingly perky 1.3-litre petrol. It has more than enough power (140hp) to deal with the motorway, even when fully loaded.*

Nissan Qashqai 1.3 DiG-T Acenta Premium

  • Monthly cost: £204 (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): £8,739
  • Mileage allowance: 8,000 miles per year
  • Click here for the latest Nissan Qashqai deals

PCH personal leasing deals – Volkswagen ID.3 £330/month

Volkswagen ID.3 leasing deals

The Volkswagen ID.3 is the first purpose-built electric Volkswagen. It really feels, and looks, like the future.

The exterior is clean and simple without a grille. The interior is even more pared back. There are few physical controls - nearly all functions are dealt with by a pair of digital screens.

Expect a 0-62mph time of 7.3 seconds from the 150kW battery, as well as an official WLTP range of 263 miles.*

Volkswagen ID.3 Life Pro Performance

  • Monthly cost: £344 (35 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): £14,899
  • Mileage allowance: 8,000 miles per year
  • Click here for the latest Volkswagen ID.3 deals

*These deals are indicative examples of some packages available as of 11 May 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 finance –  Ford Kuga: £285/month, £5,849 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 kit levels too - especially for the Titanium Edition model offered up here. Sensible 1.5-litre diesel engine is cheap to run, while it benefits from 0% APR.**

Ford Kuga Titanium Edition 1.5 EcoBlue

  • Monthly cost: £285 (36 payments)
  • Deposit: £5,849 (including £1,000 deposit allowance)
  • Total amount payable: £29,615
  • Cash price: £29,615
  • Mileage allowance: 9,000 miles per year
  • APR: 0%

PCP finance – MG ZS EV: £286.25/month, £3,212 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. The instant response of the electric motor means it's quick to get to 30mph, while its electric powerplant also ensures there are no emissions coming out on an exhaust pipe.

Inside it feels pretty cheap. But 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: £286.25 (48 payments)
  • Deposit: £3,312
  • Total amount payable: £28,595
  • Cash price: £28,595
  • Mileage allowance: 8,000 miles per year
  • APR: 0%

PCP finance – SEAT Ibiza: £219/month, £3,777.10 deposit, 0% APR

SEAT Ibiza PCP deal

The Ibiza isn't quite as junior as you'd expect. It'll genuinely seat four adults comfortably, while its engines range from nippy to frugal. Interiors are well specced - if a little bland.

If you're after a simple and easy to use supermini, the Ibiza is easy to recommend. It's very easy to live with and very little will annoy you.

This deal is brilliant for two reasons. Like others on this list, it's available with 0% APR. But it also comes with a year's free insurance. Word of warning - you'll need to be 21-75 to take advantage of that.**

SEAT Ibiza SE Technology 1.0 TSI 95PS

  • Monthly cost: £219 (35 payments)
  • Deposit: £3,777.10
  • Total amount payable: £17,680
  • Cash price: £17,680
  • Mileage allowance: 10,000 miles per year
  • APR: 0%

PCP finance – SEAT Leon Estate: £284.99/month, £5,118.52 deposit, 0% APR

SEAT Leon Estate PCP

We'll save you the hassle of googling it. The boot size is 617 litres. Inside it's really similar to the VW Golf - so it's a minimalist affair with very few buttons. 

It's physically a lot of car for sub £300 per month. And this offer isn't for the basic and slow 1.0-litre. Yup, this has the 1.5-litre petrol, which is much better suited to carrying large objects and people.**

SEAT Leon Estate FR 1.5 TSI EVO 130PS

  • Monthly cost: £284.99 (36 payments)
  • Deposit: £5,118.52
  • Total amount payable: £25,160
  • Cash price: £25,160
  • Mileage allowance: 10,000 miles per year
  • APR: 0%

PCP finance – Toyota GR Yaris: £299/month, £7,079 deposit, 1.9% APR

Toyota GR Yaris PCP deals

260hp. Four-wheel drive. 0-62mph in 5.5 seconds. And all for less than £300 per month. 

Power being sent to all four-wheels and a very short wheelbase makes the GR Yaris super darty and responsive, two traits associated with the creme de la creme of hot-hatchbacks.

1.9% APR sweetens the deal.**

Toyota GR Yaris

  • Monthly cost: £299 (41 payments)
  • Deposit: £7,079
  • Total amount payable: £33,520
  • Cash price: £34,908
  • Mileage allowance: 8,000 miles per year
  • APR: 1.9%

Best cash deals

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 anymore. The best new car deals direct from car makers are mostly through finance.

However, there are hundreds of brokers offering huge cash discounts on new cars.

Cash discount – Mercedes-Benz C-Class: up to £10,718 saving

Mercedes C-Class cash deals

Premium cars usually carry premium price tags, but hefty cash savings on the C-Class mean you can get a German executive car for the price of a blinged up supermini.

The C-Class is one of the most relaxing cars to drive in the compact exec class. The soft suspension and big seats will soak up the motorway miles. The interior is ergonomic too, with just the right level of soft touch plastics.

Huge cash savings on lots of different trim levels at the moment, direct from Mercedes. These offers do change quickly though.**

(typical example) Mercedes-Benz C-Class 220d Sport Edition

  • List price: £39,194.99
  • Discounted price: £28,476.99
  • Saving: £10,718

Cash discount – Kia Sportage: save £4,108

Kia Sportage cash deals

A seven-year warranty, reliable engines, a spacious interior, and loads of equipment. These are the reasons people flock to the Kia Sportage like a seagull to a box of chips on Brighton beach.

It's big and boxy, but feels a lot smaller when you're behind the wheels thanks to light controls. While the 1.6-litre diesel is capable of up to 49.6mpg. Even during our testing, the mild hybrid averaged close to 45mpg.**

Kia Sportage 1.6 CRDi

  • List price: £25,380
  • Discounted price: £21,273
  • Saving: £4,108

Cash discount –  Fiat Tipo: £4,872 saving

Fiat Tipo deals

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 hatchbacks on sale.

Huge cash discounts are a hallmark of the best new car deals - and close to £5,000 off makes this Tipo a bargain. 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: £16,870
  • Discounted price: £11,998
  • Saving: £4,872

Cash discount – Mitsubishi Outlander PHEV: £3,500 saving

Mitsubishi Outlander PHEV cash deal

Mitsubishi will end car sales in the UK sometime this year. From then on, it'll be an aftersales-only business. So expect to see more Mitsubishis being sold off for cheap in the near future.

The Outlander PHEV feels outdated inside, but if you're after an inexpensive and reliable plug-in hybrid SUV with an electric range of around 25ish miles in real world testing, not much comes cheaper than this.

£3,500 discount is on Mitsubishi's website - we bet there's even more room for haggling at individual dealerships.**

Mitsubishi Outlander PHEV Verve

  • List price: £35,815
  • Discounted price: £32,315
  • Saving: £3,500

Cash discount – SsangYong Tivoli XLV: £1,500 saving

SsangYong Tivoli XLV discount

>> The cheapest new SUVs for sale in the UK

An updated SsangYong Tivoli has been released, meaning the previous-generation models are on sale. You'll still get a new car, but you'll need to pick from current stock.

The Tivoli XLV is a bit like a Tivoli estate. It's 245mm longer than the regular Tivoli, meaning boot space jumps from 423 litres to 720 litres. 

Your £16,395 buys you leather seats, keyless entry, sat-nav, and a rear parking camera.**

SsangYong Tivoli XLV Ultimate

  • List price: £20,145
  • Discounted price: £16,395
  • Saving: £3,750

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

** These deals are indicative examples of some packages available as of 1 April 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.