Biggest PCP deposit contributions - August 2025
PCP is the most popular way to get behind the wheel of a new car. If you're looking to save big from the off, here's our pick of the biggest PCP deposit contribution deals around.
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More and more buyers are turning to PCP, or Personal Contract Purchase, to get behind the wheel of their ideal new car. And carmakers and dealers are well aware of this trend, offering incentives like generous deposit contributions to encourage you to head to the dealership and part with your hard-earned cash.
With PCP you usually pay a deposit that's affordable, or use the trade-in value of your existing car to cover the initial amount required for your agreement.
However, if a deposit contribution is offered, this amount is added to your deposit or trade-in, and the combined amount is deducted from the value of the new car you're buying. This can save you cash upfront by meaning you might not need to pay such a large deposit, or any deposit at all. Or, if you have a chunky deposit and a decent deposit contribution, this should help lower your monthly payments over the course of your agreement, too.
Keeping on top of the latest, greatest PCP deals with the biggest deposit contributions can be a chore. This page lists the largest contributions we find online, updated regularly.
Biggest PCP Deposit Contribution deals
Our round-up of the biggest new-car PCP deposit contributions that have caught our eye. There's huge amounts to save on a range of cars from the likes of Audi, BMW, Ford and Volvo. Take your pick below:
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- Audi doesn't shout about it, but offers PCP deposit contributions on all models, from £650 off the brand-new Audi Q5 right up to £15,000 off the ageing Audi A8
- Other big deposit contributions include £6550 off the Audi A6 Avant e-tron, £7750 towards the Audi Q4 e-tron and £9000 off the Audi e-tron GT, plus there's £9250 off the Audi Q7 range, or £11,250 if you go for the TFSI e hybrid
- Find out more on these deals
PCP Deal: Audi A8 Sport 50 quattro tiptronic
£977 a month: 4 year PCP at 8.9% APR with £15,000 deposit contribution
The Audi A8 doesn't shout about its luxury prowess, yet offers a genuine high-end driving experience whether you take the wheel yourself of let someone else take the strain. It’s a worthy flagship in every respect for the German company, even though it's been around since 2017.
That the A8 range is due for replacement is good news if you're looking for a PCP deal. Right now, whether you opt for the regular A8, the long-wheelbase A8 L or sportier S8, you get a useful £15,000 deposit contribution. Monthly payments are still keen, but luxury like the A8 offers has never come cheap.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £16,442 | 47 x £977.31 (£45,933.57) | £21,496.60 | £95,382.17 | 10,000 | 30th September 2025 |
BMW
- BMW calls its deposit contributions sales offer discounts but they amount to the same thing. Its i range of electric cars includes discounts on the BMW iX1 xDrive30 (£6078), BMW iX2 xDrive30 (£6148), BMW i4 M60 (£9544), BMW i5 M60 (£10,342), BMW i7 M70 (£8171) and BMW iX xDrive60 (£14,655)
- Find out more on these deals
PCP Deal: BMW iX xDrive60 M Sport
£1049 a month: 4 year PCP at 5.9% APR with £14,655 deposit contribution
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If you can get past the way the BMW iX looks, you're probably not far off driving one of the most desirable electric vehicles on the market. It's incredibly refined, very comfortable and easy to drive, and better put together than a Tesla, too. If you're in the market for one of the best electric BMW,s there's currently a sales discount of almost £15,000 if you opt for BMW Select, which is the firm's name for its PCP product.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £8920.95 | 47 x £1049 (£49,303) | £33,297.23 | £91,521.18 | 10,000 | 30th September 2025 |
Cupra
- Cupra has some fairly decent deposit contributions, including the Cupra Terramar and Cupra Leon (£4000), Cupra Ateca, Cupra Formentor and Cupra Tavascan (£4500) models. However, the biggest contribution is reserved for the Cupra Born, with £7000 towards your deposit, plus an extra £1500 Cupra Electric Car Grant on Born V1, V2 and V3 models
- Find out more on these deals
PCP Deal: Cupra Born V1 59kWh 230PS e-Boost
£409 a month: 3 year PCP at 4.9% APR with £7000 deposit contribution
The Cupra Born is a slightly more furious looking version of the Volkswagen ID.3, with a more appealing interior and a little more engaging driving experience thrown in, too.
Cupra is currently offering £7000 towards your PCP deposit across the Born range, at a reasonable 4.9% APR. Opt for a Born V1, V2 or V3 and Cupra will also add a £1500 Cupra Electric Car Grant payment to match the government's soon to be announced eligible models.
If you go for the deal, you can also lock in the car's first two services for £149 and choose from either an Ohme EV home charger for £99 or an extra £500 off the car's price. Sign up to an OVO Energy tariff while you're at it and you can charge for 7p per kWh and get the equivalent of 30,000 miles charging for free.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £3232.04 | 35 x £409.14 (£14,319.90) | £13,964.40 | £38,526.34 | 10,000 | 30th September 2025 |
Ford
- Ford's best deposit contributions with Ford Options PCP are on its electric car lineup. The Ford Explorer and Ford Capri get £3700 off and 0% APR) with the best contribution on the Ford Mustang Mach-E (£7000 discount and 0% APR)
- Find out more on these deals
PCP Deal: Ford Mustang Mach-E Select
£435 a month: 4 year PCP at 0% APR with a £7000 discount
The Ford Mustang Mach-E is an exercise in how to upset automotive purists. Not only did the firm decide to use the iconic Mustang name, one that stands for an affordable, relatively simple everyman sports car, but it applied it to a high-riding, expensive, electric SUV.
The Mustang Mach-E is an interesting car, with decent tech and a long range, although it has a firm ride that make it less appealing for family use. Ford Solutions PCP Mustang Mach-E offers include 0% APR and a solid £7000 discount.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £7452.80 | 48 x £434.59 (£20,860.32) | £15,527 | £43,840 | 6000 | 30th September 2025 |
Mercedes-Benz
- Mercedes Agility PCP has big discounts including the Mercedes EQB and Mercedes EQV (£6000), Mercedes GLE (£8000), Mercedes EQA (£8500) and Mercedes EQE Saloon (£9500)
- Find out more on these deals
PCP Deal: Mercedes EQE 350+ Sport Edition Saloon
£547 a month: 4 year PCP at 2.9% APR with £9500 discount
The Mercedes EQE makes for an interesting electric alternative to the combustion-powered E-Class. The EQE features a long electric range, impressive infotainment system and the trademark Mercedes comfort remains a feature, too. There's currently a £9500 discount if you buy through Mercedes Agility PCP across the EQE Saloon line-up, but we've selected the cheapest model here.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £10,432.63 | 48 x £547.26 (£26,268.48) | £27,275 | £63,986.11 | 10,000 | 30th September 2025 |
Volkswagen
- There's a useful £4750 off the VW Passat and £8500 towards your VW Touareg deposit on VW Solutions PCP
- The VW ID.3 has a £6000 deposit contribution, the VW ID.4 and VW ID.5 have £7000 towards your deposit, and the VW ID.7 has a £2000 deposit contribution
- Selected VW ID.3 and ID.4 models get a £1500 VW Electric Car Grant to match the government's offer
- Find out more on these deals
PCP Deal: Volkswagen ID.4 Match 52kWh Pure 170PS
£415 a month: 4 year PCP at 6.9% APR with £7000 deposit contribution
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The Volkswagen ID.4 is available in VW's greatest hits Match spec, which we've chosen to feature here. There are two PCP deals available on all ID.4 models. There's a three year option with 0% APR that includes a £4000 deposit contribution. The customer deposit is £7918.30 and the monthly payment starts at £393.54. There's also a four-year option that includes a £7000 deposit contribution detailed below.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £5938.50 | 47 x £414.68 (£19,489.96) | £12,429 | £44,867.46 | 10,000 | 30th September 2025 |
What is a PCP deposit contribution?
A PCP deposit contribution is an amount of money that the retailer may offer as an incentive to encourage you to take out a PCP agreement with them. A deposit contribution is added to your customer deposit to give a total deposit which is used to calculate your monthly payments.
For example, if you have £3000 available to put towards a new car, and there's a £2000 deposit contribution available, this £5000 total amount would be taken off the car's price, reducing your monthly payments accordingly.
Why are deposit contributions offered?
Deposit contributions are discount incentives aimed at getting you sign up for a PCP deal. They are often tied into sales targets, so if a model isn't selling so well, a large deposit contribution might be offered to encourage people to buy.
A car might also be heading for replacement, so old models have extra incentives to shift them from stock to make way for new versions. New technology may also play a role, with many carmakers offering enticing deals on electric vehicles to encourage buyers to make the switch.
What are the advantages of PCP deposit contributions?
If you're going to use PCP for your next car, a deposit contribution is generally beneficial. It helps to lower the amount of money you need to put down as a deposit, which means you keep hold of your savings to spend, save or invest as you wish.
A larger deposit contribution can also mean lower monthly payments, easing the financial strain during the PCP agreement. A large deposit contribution may also mean you can afford a higher-spec car without overstretching your finances, meaning you can drive a car with more luxuries for less.
Are there any disadvantages to PCP deposit contributions?
As with any PCP deal, it's important to understand how much your PCP payments will cost over the full term of the agreement. For example, if you have a decent deposit contribution but then a very high APR, you may end up paying a significant amount more than the deposit contribution was worth in finance fees.
An enticing deposit contribution might give a low monthly payment to get you into the dealership, but other factors influence this figure. Is the annual mileage allowance lower than 6000 miles? Is the PCP term longer than four years? Always be prepared for how you need to use the car, and budget accordingly.
Can I use the value of my old car as a deposit?
Yes, you can trade in your old car and use that as your deposit but it's always worth being prepared and ensuring you know what your car is worth before you go to the dealer. Say you see a new-car PCP deal with a £2000 deposit contribution and you need to pay a minimum of £5000 total deposit. You are offered a neat, convenient £3000 by the dealer for your old car taking you to the deposit required.
However, the dealer knows your car is worth £4000, and is then up £1000 when they sell your car on - money that you could have saved by selling your car in advance, or haggling with the dealer at the time.
