Biggest PCP deposit contributions - June 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:
Audi
- The biggest PCP deposit contributions offered by Audi come on its e-tron electric vehicles. There's £7800 towards the Audi Q6 SUV e-tron, £7000 off the Audi A6 Avant e-tron, £8750 towards the Audi Q4 e-tron and an impressive £9975 off the Audi S e-tron GT
- If you're looking for petrol or diesel deals, the Audi Q7 has an £8750 deposit contribution
- Find out more on these deals
PCP Deal: Audi Q6 e-tron Sport Performance
£605 a month: 4 year PCP at 7.9% APR with £7800 deposit contribution
The new Audi Q6 e-tron is one of the firm's newest all-electric offerings, joining the Q6 Saloon and Avant Estate. This deal includes a generous £7800 deposit contribution, and buyers can choose between a free Ohme home charger worth up to £999, or an extra £500 off. There's also a credit for the equivalent of 30,000 free miles of charging over three years if you're an OVO energy customer.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £10,590 | 47 x £605 (£28,435) | £29,515 | £68,549 | 10,000 | 30th June 2025 |
BMW
- BMW calls its deposit contributions sales offer discounts but they amount to the same thing. Right now there's significant discounts on the BMW i4 M50 (£6126), BMW 750e xDrive M Sport (£8591) and BMW X5 M Competition (£4000)
- Find out more on these deals
PCP Deal: BMW 750e xDrive M Sport
£1299 a month: 4 year PCP at 4.9% APR with £8591 deposit contribution
In its latest form, the looks of the BMW 7 Series might not be to everyones - or anyones - taste. However, there's luxury and technology aplenty, which make this big limo nice to drive but even better to be driven in. If you're in the market for the biggest BMW, there's currently a sales discount of £8591.05 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 |
| £12,739.20 | 47 x £1299 (£61,053) | £40,232.88 | £114,025.08 | 10,000 | 30th June 2025 |
Ford
- Ford's best deposit contributions with Ford Options PCP are on its electric car lineup. The Ford Explorer has a £3000 deposit contribution and 0% APR over four years, the Ford Capri (£3000 and 0% APR), and Ford Mustang Mach-E (£7500 discount and 0% APR)
- Find out more on these deals
PCP Deal: Ford Mustang Mach-E Select
£500 a month: 3 year PCP at 0% APR with a £7500 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 £7500 discount.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £7367.80 | 36 x £500.42 (£18,015.12) | £17,957 | £43,340 | 6000 | 30th June 2025 |
Mercedes-Benz
- Mercedes Agility PCP has big discounts including the Mercedes GLE (£8000), Mercedes EQA (£7500), Mercedes EQE Saloon (£9500) and Mercedes EQE 53 SUV and Saloon (£9500)
- Find out more on these deals
PCP Deal: Mercedes GLE 450d 4MATIC Urban Edition
£1035 a month: 4 year PCP at 5.9% APR with £8000 discount and zero deposit
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The Mercedes GLE SUV has been around since 2019 in its current generation. That means deals are becoming more prevalent as newer rivals pinch its sales. There's currently an £8000 discount if you buy through Mercedes Agility PCP across the GLE line-up, and you get two free services worth £936 thrown in.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £0 | 48 x £1034.84 (£49,672.32) | £35,750 | £85,432.32 | 8000 | 30th June 2025 |
Volkswagen
- The biggest deposit contributions offered on Volkswagen Solutions PCP are on the firm's electric models, although there's a useful £4750 off the VW Passat and £6500 towards your VW Touareg deposit
- 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
- Find out more on these deals
PCP Deal: Volkswagen ID.4 Match 52kWh Pure 170PS
£429 a month: 4 year PCP at 7.9% 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 £429.06 (£20,165.82) | £12,516.30 | £45,630.60 | 10,000 | 30th June 2025 |
Volvo
- Volvo has some significant deposit contributions available, including the Volvo V90 PHEV (£7000), Volvo EX40 (£6000) and Volvo EC40 (£5000)
- Find out more on these deals
PCP Deal: Volvo EX40 Core
£486 a month: 4 year PCP at 5.9% APR with £6000 deposit contribution and zero deposit option
The Volvo EX40 was Volvo's first purely electric car. Taking the already excellent XC40 as a base, the electric version is stylish, has a great interior and the Twin Motor version has a serious turn of pace. Buy one now with Volvo PCP and there's a £6000 deposit contribution available. Short of savings? You can opt not to contribute a deposit yourself, although that bumps up monthly payments to £650.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £7000 | 47 x £486.47 (£22,864.09) | £15,093 | £45,943.56 | 6000 | 30th June 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.
