Best New Car Deals - January 2026

PCP Deal: Volkswagen Golf Match 1.5 TSI 115PS

£299 a month: 4 year PCP at 7.9% APR with £4250 deposit contribution

The Volkswagen Golf selected here is the all-round value champion Match spec, which includes 17-inch alloys, keyless go, auto lights and a rear-view camera. This 48-month deal requires a customer deposit of just under £4500, but includes a healthy £4350 deposit contribution and a useful 10,000-mile per year mileage allowance.

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PCP Deal: Ford Puma ST-Line 125PS

£311 a month: 3 year PCP at 1.9% APR with £1000 deposit contribution

The Ford Puma picked up the baton from the Fiesta, replacing it at or near the very top of the UK sales charts for the past three years. The recently facelifted Puma is available with a £1000 deposit contribution, and all Ford Solutions PCP Puma offers include a low 1.9% APR. Vehicles are generally in stock and ready to go, too, so delivery times are as short as one week.

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PCP Deal: Audi A8 Sport 60 TFSI e quattro tiptronic

£908 a month: 4 year PCP at 5.9% APR with £17,000 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. If you opt for the regular or long-wheelbase A8 L with a non-hybrid engine, you get a useful £15,000 deposit contribution, while TFSI e models get £17,000 off. Monthly payments are still keen, but luxury like the A8 offers has never come cheap.

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PCP Deal: BMW iX xDrive60 M Sport

£1026 a month: 4 year PCP at 4.9% APR with £14,655 deposit contribution

As with a fair few of BMW's current line-up, if you can get past the way the BMW iX looks, you're probably not far off driving one of the finest electric cars on the market. It's incredibly refined, very comfortable and easy to drive, and better put together than a Tesla, too, plus a recent facelift has taken the edge off the looks and improved the tech. If you're in the market for one of the best electric BMWs there's currently a sales discount of over £14,000 if you opt for BMW Select, which is the firm's name for its PCP product.

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PCP Deal: Kia Sportage Pure

£481 a month: 3 year PCP at 5.9% APR with zero deposit and £1500 deposit contribution

The Kia Sportage is one of the UK's best-selling cars. And it's not hard to see why, given that Kia's family SUV has plenty of equipment, even in entry-level Sportage Pure trim as we've chosen here, a spacious interior and a great warranty. This deal is for the freshly facelifted Sportage, which is only just arriving in UK dealers.

The Sportage also benefits from some decent finance incentives like Kia chipping in £1500 so you don't need to put down a deposit, meaning getting behind the wheel of the top-selling Sportage shouldn't break the bank.

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PCP Deal: BYD Dolphin Surf Boost

£269 a month: 4 year PCP at 3.9% APR with £269 customer deposit

The BYD Dolphin Surf might be one of the Chinese firm's smallest cars, but it's also one of the best. Cheap to buy, well equipped and really quite spacious for its small size, the Dolphin Surf has plenty to recommend it.

BYD is also offering plenty of incentives to get behind the wheel. Choose the entry level Active trim and you pay £269 a month with £269 deposit and a relatively low 3.9% APR on a 48-month deal. An upgrade to mid-spec Boost trim is only £10 more per month and £10 more on the deposit as it comes with more generous incentives - Boost models get a £1530 deposit contribution and £1259 dealer discount.

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PCP Deal: Mazda2 hybrid Centre-Line

£199 a month: 4 year PCP at 0% APR with £1500 January deposit contribution

The Mazda2 hybrid is the Mazda-badged twin of the Toyota Yaris. The Mazda is slightly more expensive to buy than the respective Toyota, and both are currently available with a 0% APR deal.

However, the Mazda works out cheaper per month when you apply the same 6000-mile a year limit and deposit amount. The Toyota 0% APR deal is limited to 24 months, while Mazda lets you pay across 48 months. The Toyota 48-month deal is 2.9% APR.

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PCP Deal: Citroen e-C5 Aircross You 210PS with 73kWh battery

£111 a month: 2 year PCP at 0% APR with £1500 Electric Car Grant

The Citroen e-C5 Aircross is spacious, comfortable and really good value. It takes the supple ride of the petrol powered C5 Aircross and mixes that with smooth electric drive. Plus, while it uses the same tech as the Peugeot e-3008 and Vauxhall Grandland Electric, the e-C5 Aircross is more appealing.

This deal takes advantage of Citroen's range-wide 0% APR deal. It's limited to a 24-month time period and requires a solid 25% deposit, although the OTR price isn't too expensive to begin with thanks to the £1500 government Electric Car Grant.

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PCP Deal: Dacia Spring Expression Electric 70

£129 a month: 4 year PCP at 3.9% APR with £3750 Dacia EV Grant

The Dacia Spring has been given a thorough refresh, and now features more powerful 70PS and 100PS motors for more performance, a revised chassis with improvements to suspension and brakes, and a better interior spec.

It's also even more affordable than before, with prices starting at £12,240, including a £3750 Dacia Electric Car Grant. That discount is available to finance buyers, too, which means a four-year PCP costs £129 a month with a £2776 deposit.

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PCP Deal: Suzuki Swift Mild Hybrid Motion

£221 a month: 4 year PCP at 0% APR with zero deposit

The Suzuki Swift has always been one of the better superminis, albeit with space at a premium. The latest model continues that trend, with an all-new engine that's very frugal, plenty of equipment and rear-seat space that's a little tight.

And in order to get you behind the wheel with a minimum of fuss, the Swift is now available on a four-year PCP deal with 0% APR and zero customer deposit required.

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PCP Deal: Audi Q4 e-tron S Line 40

£539 a month: 4 year PCP at 5.9% APR with £8250 deposit contribution

The Audi Q4 e-tron is Audi's take on the Volkswagen ID.4 and Skoda Kodiaq, and features a great interior and solid electric range. This deal includes a generous £8250 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.

If you buy between now and the end of February, you get an extra £2000 discount.

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PCP Deal: MGS5 EV SE

£199 a month: 4 year PCP at 0% APR with £3000 deposit contribution and £1500 MG EV Car grant

The MGS5 EV is effectively the replacement for the previous-gen MG ZS EV. As with all MG's second generation models, they build on the earlier car's reputation for value with better looks, higher quality interiors and improved infotainment. The MGS5 is no exception, giving a high level of standard kit and strong electric range.

As with the MG4, which is due to be given a big update soon, MG is currently offering the S5 at just £199 per month with 0% APR. You also get a deposit contribution of £3000 on the S5, plus MG's Electric Car Grant of £1500, which is equivalent to the government's offer.

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1. Ford Puma - 4680 sold in December

£311 a month: 4 year PCP at 1.9% APR with £1000 deposit contribution

The Ford Puma finished 2025 with a flourish, and took the title of the best selling car in the UK for the third year running. The Puma is very well equipped as standard, which is why we've chosen the popular ST-Line trim, which is one up from entry-level but features a sporty bodykit and all the infotainment tech one could wish for.

Ford Solutions PCP Puma offers include a low 1.9% APR and £1000 deposit contribution across the range. Another big plus of a Puma purchase is that cars are generally in stock and ready to go, too, so delivery times are as short as one week.

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2. Tesla Model Y - 3737 sold in December

£324 a month: 4 year PCP at 0% APR

After a slow start to the year, sales of the Tesla Model Y have picked up, making it the runner-up in December 2025's list of top-selling new cars. The uptick in sales has once again ensured that the Model Y is the best-selling EV in the UK, with almost 25,000 examples finding homes in 2025.

Part of the appeal of the Model Y is that it received a significant facelift inside and out earlier in 2025, plus retuning of the suspension to make it better able to handle the UK's tricky roads. It's currently available with 0% APR, while Tesla will also let you opt for a PCP term up to 60 months.

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