Best Volkswagen Finance Deals - January 2026

On the hunt for a new Volkswagen? Looking to buy using finance? You've come to the right place for the best PCP offers on a new VW

Volkswagen is one of the most popular car manufacturers in the UK, rivalling the likes of Ford, Kia Hyundai and plenty more. It has a huge range of cars and plenty of finance deals and offers as a result.

VW generally offers some form of deposit contribution on PCP deals right across its line-up, from mega-popular models like the all-new third generation Volkswagen Tiguan to some of the more niche offerings like the new Volkswagen Passat.

The ever-popular Volkswagen Golf has also been treated to plenty of PCP incentives to ensure buyers keep trading up to the latest model. Thanks to some competitive deposit contributions, it still just about outsells the Tiguan, although its time on top may be coming to an end.

And if you’re looking to go electric, the VW ID.3 should be on your radar thanks to a recent facelift, plus the new VW ID.7, available as saloon and an estate, are well worth a look, especially with low APR and solid deposit contributions in the offing. The VW ID.4 and VW ID.5 will be getting major mid-life updates, so extra discounts are available to shift remaining stocks in preparation for the new cars appearing at dealers.

Best VW PCP Offers

VW Financial Services offers PCP, which it calls Solutions Personal Contract Plan, and frequently has an array of offers including deposit contributions and low to no APR deals right across the range.

Does VW do leasing?

If you're not interested in the option to own the car after your deal term finishes, leasing directly from Volkswagen is very straightforward. PCH agreements are arranged with VW Financial Services, and the VW models currently available for lease are available to browse on the VWFS Drive website.

Arranging a finance deal is as simple as finding a VW model that suits you, get a quote, set up your finance agreement and then your chosen new VW will be delivered to your nearest VW dealership. All the cars VW offers for lease are already built and in stock, which means delivery can take place quickly and conveniently.

What is the month to finance a car?

A company with such a broad range as Volkswagen has deals available all the time, depending on the age of the models it is selling - there's always a model about to be replaced or facelifted with such a broad range of cars on offer, from Polo to Passat, T-Cross to Touareg and so on. There's also often good promotions to consider on the firm's ID range of electric cars, as buyers are encouraged to switch to EVs.

There are still some times of the year we'd recommend considering if you're trying to save the most cash and time is on your side. We’d say that the end of every month is worth an ask, as sales targets need to be hit in order for salespeople to pick up their bonuses.

It's also worth checking out deals at times like the christmas holidays, as it’s quiet in dealerships and people are spending on gifts, and Black Friday and Cyber Monday, too. March and September tend to be less good for deals as this is when new registrations come in, and that’s when more new cars are sold.

What’s a 3+35 lease deal?

If you're looking to lease your car rather than opt for a PCP, you might see 3+35 or similar cropping up in your research. This is a shorthand way of expressing the terms of a lease deal, and while increasingly uncommon, you might see a lease expressed in this way. In the '3+35' example above, the 3 at the start refers to the cost of your initial payment, paid at the start of your lease, expressed as the number of monthly payments this represents. 

For example if the car you’re interested in is advertised as available to lease at £399 per month, your initial payment would be 3 x £399 (£1197).

The 35 is the number of monthly payments you then need to make, so in this example case you'd be paying a further 35 x £399.

Lease deals are occasionally expressed with or without VAT, as they’re popular with business users, too. If you're looking for personal deals and you see VAT not included, there's generally settings on the websites of popular leasing companies that let you filter by personal leasing deals only.

Why are cars so expensive?

Thanks to the semiconductor shortage, war in Ukraine and the pandemic, supply of new cars has been reduced from normal levels, and getting back to pre-2019 stock volumes has proven a tricky task. What's more, during this time, many carmakers took the opportunity to streamline their ranges, as each model variant now has to be tested for emissions, so generally offering fewer models with higher specification, but at higher prices. Demand for new cars post-pandemic is high, and this has helped to reinforce higher prices.

As the price of new cars sets their finance cost, the prices of PCP agreements have gone up too. The price of a car PCP is, for the most part, calculated by you effectively covering the car’s depreciation over the duration of the deal.