At Parkers we’re working hard to find you the best new car deals. As such, we’ve trawled the current crop to find a selection of cracking cars for you to get into. Both leasing deals and PCP agreements are covered here.
However, it’s important to remember that while modern financing offers you the chance to drive a more upmarket or higher-spec car than you might expect, you need to do your homework first. That means making sure you’re conversant with all the terminology – and understand precisely what those monthly payments mean for you.
Check you can afford the payments by planning your budgets, and only undertake an agreement if you’re confident of continued employment, and aren’t likely to face any sudden changes in your circumstances.
What type of finance to choose?
PCH personal leasing
> Car leasing, also known as Personal Contract Hire (or PCH) is best for lowest monthly cost and changing cars often. However, you will not own the car, and the deposit you plough in at the beginning of the deal is money you won’t see again.
PCP finance
> Personal contract purchase, as typified by Ford Options, is the best for flexibility. You make a lower monthly payment than you would on a straight loan, but you’ll need to make a balloon payment at the end of the deal if you choose to buy the car outright.
If you’re new to finance check out our full guides on PCH leasing and PCP finance.
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 long-term. But if you do like changing your car every two to three years, then leasing can be a wise choice.
Editor's choice: Nissan Qashqai – £223/month
Best-selling SUV makes a great family car

It’s practical, with some very clever interior touches, as you’d expect for a product that’s now entered its third generation. While the quality and interior are also up there with the very best-in-class.
Read our full Nissan Qashqai review
Nissan Qashqai 1.5 E-Power Acenta Premium
Monthly cost: £222.94 (23 payments, incl. VAT)
Initial payment: £2,276.46 (Plus £270 fees)
Mileage allowance: 5,000 miles per year
Click here for the latest Nissan Qashqai leasing deals
Pros
- Striking styling, quality interior
- Lots of tech that works well
- Seriously refined
Cons
- Off-putting looks
- No high-performance version
Volkswagen T-Roc – £212/month
Chunky, funky and fun family SUV

If you want economy, we recommend picking the 1.0-litre petrol engine, and this deal does just that coming in Life trim. At a little more that £200 per month, it's a lot of car for your money.
Read our full Volkswagen T-Roc review
Volkswagen T-Roc 1.0 TSI Life
Monthly cost: £212.18 (23 payments, incl. VAT)
Initial payment: £2,179.62 (Plus £270 fees)
Mileage allowance: 5,000 miles per year
Click here for the latest Volkswagen T-Roc leasing deals
Pros
- Stand-out styling
- Low running costs
- Decent driving experience
Cons
- Disappointing interior plastics
- R-Line's firm ride
Cupra Leon – £221/month
Hot hatch attitude for supermini money

It's a kissing cousin to the excellent Volkswagen Golf (and Skoda Octavia, below) and as such it shares many of those cars' qualities, such as excellent practicality and low running costs. Cheap on the monthlies, maybe, but far from bargain basement in terms of feel.
Read our full Cupra Leon review
Cupra Leon 1.5 TSI V1
Monthly cost: £221.16 (48 payments, incl. VAT)
Initial payment: £2,189.44 (Plus £199 fees)
Mileage allowance: 5,000 miles per year
Click here for the latest Cupra Leon leasing deals
Pros
- Sharp handling
- Well-appointed interior
- Great value for money
Cons
- Some interior quality issues
- Glitchy infotainment
Audi A3 Saloon – £257/month
Still the go-to small premium saloon

Audi likely won’t need our help to sell A3s – buyers love them, flocking to showrooms even though the mechanically similar Volkswagen Golf or Skoda Octavia is cheaper. The appeal of those four rings is undeniable, though there’s a clear demarcation between these two cars when it comes to their interior quality and driving dynamics.
Read our full Audi A3 Saloon review
Audi A3 Saloon 35 TFSI S Line
Monthly cost: £246.39 (47 payments, incl. VAT)
Initial payment: £2,555.60 (Plus £239 fees)
Mileage allowance: 5,000 miles per year
Click here for the latest Audi A3 leasing deals
Pros
- Highly efficient engine range
- Sharp, desirable exterior design
- High-quality technology
Cons
- Interior space only average
- Some iffy interior materials
Kia Ceed – £187/month
Excellent value for money and a good all-rounder

Get yourself a mid-spec petrol model to find the best balance between performance and price. Don’t discount the entry-level cars, which still have plenty of equipment and offer a useful cost saving.
Read our full Kia Ceed review
Kia Ceed 1.5T GDi GT Line
Monthly cost: £186.96 (48 payments, incl. VAT)
Initial payment: £1,976.64 (Plus £199 fees)
Mileage allowance: 5,000 miles per year
Click here for the latest Kia Ceed leasing deals
Pros
- Well-equipped across range
- Lots of space inside
- Legendary reliability
Cons
- Small engine range
- Limited personalisation
Suzuki Vitara – £235/month
Rugged family car with true off-road capabilty

We’d heartily recommend the manual Boosterjet model as a good-value and fun-to-drive car. It’s not as practical as a Ford Puma nor does it feel as upmarket as a Peugeot 2008, but if you want something sturdy, attractive and a bit different the Vitara is a good choice.*
Read our Suzuki Vitara review
Suzuki Vitara 1.4 Boosterjet 48V Hybrid SZ5
Monthly cost: £235.52 (47 payments, incl. VAT)
Initial payment: £2,312.82 (Plus £198 fees)
Mileage allowance: 5,000 miles per year
Click here for the latest Suzuki Vitara leasing deals
Pros
- Genuine off-road capability
- Good to drive
- Excellent hybrid engine
Cons
- Limited load space
- Infotainment is dated
Mazda 2 – £194/month
Sharp to drive, reliable and economical

There are some brilliant finance deals across its range, so the 2 could prove a bit of a deal next to comparable superminis.
Read our full Mazda 2 review
Mazda 2 SkyActive G Exclusive
Monthly cost: £194.38 (47 payments, incl. VAT)
Initial payment: £1,942.42 (Plus £193 fees)
Mileage allowance: 5,000 miles per year
Click here for the latest Mazda 2 leasing deals
Pros
- Sharp to drive
- Comfortable interior
- Plenty of equipment
Cons
- Not as practical as rivals
- Infotainment system dated
Skoda Octavia Estate – £202/month
The best estate for this price

The 1.5-litre engine on offer here is our pick of the petrols, and is more than up to the task of hauling a family and their luggage.*
Read our full Skoda Octavia Estate review
Skoda Octavia Estate 1.5 TSI SE Technology
Monthly cost: £201.87 (47 payments, incl. VAT)
Initial payment: £2,116.73 (Plus £294 fees)
Mileage allowance: 5,000 miles per year
Click here for the latest Skoda Octavia deals
Pros
- Hugely practical
- Very comfortable
- Cheap to run
Cons
- Lack of badge appeal
- Some road noise on the motorway
BMW i4 – £520/month
Family-sized EV is perfect for keen drivers

Compared with the BMW iX it’s less of a show-stopper, but comes with a much more attractive price tag – and while the i4 is still quite the financial investment we feel it gives you excellent value in return.*
Read our full BMW i4 review
BMW i4 eDrive 35 Sport
Monthly cost: £519.91 (47 payments, incl. VAT)
Initial payment: £4,973.91 (Plus £294 fees)
Mileage allowance: 5,000 miles per year
Click here for the latest BMW i4 leasing deals
Pros
- Competitive electric range
- Conventional, pleasant interior
- Amazing performance
Cons
- Takes a long time to charge at home
- Back seats cramped
*These deals are indicative examples of some packages available as of 8 December 2023, 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.
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? One option is Personal Contract Purchase (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 – Vauxhall Mokka Electric: £389/month with £7,000 deposit contribution
Smooth and refined mini SUV, now for less money

The Mokka Electric is one of the most interestingly designed small SUVs on the market and comes with natty two-tone paint options. The interior may not be as funky, but it is supremely easy to use. Vauxhall has a reputation for ergonomics and clear, concise controls and the Mokka Electric is no different.**
Read our full Vauxhall Mokka Electric review
Vauxhall Mokka Electric Design
Monthly cost: £389 (59 payments)
Deposit: £1,965
Optional final payment: £10,250
Total amount payable: £35,156
Cash price: £36,610
Mileage allowance: 6,000 miles per year
APR: 5.9%
Click here to view the Vauxhall Mokka Electric PCP deal
Pros
- Easy to live with
- Brilliant ride quality
- Eye-catching
Cons
- Poor rear legroom
- Not fast
Polestar 2: £399/month with 0% APR
Super-cool EV hatch offered with zero-rated finance

We’d certainly recommend taking a look at the 2 if you value interior quality above all else, and at less than £400 per month with a reasonably-sized deposit, it's great value on Polestar's own PCP finance scheme.
Read our full Polestar 2 review
Polestar 2 Standard Range Rear Wheel Drive
Monthly cost: £399 (48 payments)
Deposit: £7,000
Total amount payable: £44,950
Cash price: £44,950
Mileage allowance: 10,000 miles per year
APR: 0%
Click to view the Polestar 2 PCP deal
Pros
- Tidy handling
- Dual motor’s rapid performance
- Classy interior
Cons
- Ride comfort is unacceptable
- Dual motor models are comparatively expensive
Renault Clio E-Tech: £32/month with 0% APR
One of our favourite superminis

You’re looking at an economical E-Tech Evolution model for this price. It’s packed with kit, such as alloy wheels, Apple CarPlay/Android Auto and cruise control, and simply oozes kerb appeal. And, yes, to get that 0% APR with eye-catching low monthly payment you do need to put down a chunky deposit – but it's not out of order.**
Read our full Renault Clio review
Renault Clio Evolution E-Tech
Monthly cost: £32 (25 payments)
Deposit: £7,454
Total amount payable: £21,295
Cash price: £21,295
Mileage allowance: 6,000 miles per year
APR: 0%
Click to view the Renault Clio PCP deal
Pros
- Stylish design
- Impressively low running costs
- Economical
Cons
- Tight rear passenger space
- Entry-level model still only a five-speeder
Ford Puma: £290/month at 1.9% APR
Family SUV with zero-rated finance

It’s also excellent news to see it available with zero-rated finance and relatively low monthly payments. Put simply, Ford invented PCP in the UK with its Options scheme, so you'd expect it to do well.**
Read our full Ford Puma review
Ford Puma ST-Line X
Monthly cost: £290 (24 payments)
Deposit: £5,746
Total amount payable: £28,365
Cash price: £28,365
Mileage allowance: 9,000 miles per year
APR: 1.9%
Click to view the Ford Puma PCP deal
Pros
- Lots of standard equipment
- Flexible cabin
- Sharp handling
Cons
- Not exactly roomy in the rear
- A lot of cheap feeling trim
VW ID.Buzz, £609/month, £6,236 deposit plus £2,000 dealer contribution or £4k off through Costco
A cool choice with generous dealer contribution

And what of the car? The Volkswagen ID.Buzz is a rare vehicle that can appeal to both the head and the heart – as long as you can align yourself to the hefty cost and the limitations of the five-seater layout.
Read our Volkswagen ID.Buzz review
Monthly cost: £609 (48 payments)
Deposit: £6,236.12 (including £2,000 deposit contribution)
Total amount payable by customer to buy car: £72,564
Cash price: £63,835
Mileage allowance: 10,000 miles per year
APR: 4.9%
Click here to view the Volkswagen ID.Buzz 77kWh Pro deal
Pros
- Excellent driving experience
- Reasonable range per charge
- Exceedingly desirable inside and out
Cons
- Disappointing back seat
- Usual VW touch-control issues
Skoda Enyaq: £362/month with 0% APR
Desirable and well-built electric SUV

For around £400 per month you can get your hands on an iV 60, with an official 242-mile range, or the iV 80, sporting a 336-mile range. The former is significantly cheaper, so make sure you work out if you really need the extra range.*
Read our Skoda Enyaq review
Monthly cost: £362 (36 payments)
Deposit: £7,794.15
Total amount payable by customer to buy car: £38,970
Cash price: £38,970
Mileage allowance: 10,000 miles per year
APR: 0%
Click here to view the Skoda Enyaq iV 60 PCP deal
Pros
- Roomy interior
- Claimed range of up to 336 miles
- Four-wheel drive available
Cons
- Expensive options
- Plain compared with flashier rivals
** These deals are indicative examples of some packages available as of 8 December 2023, 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.