Best PCP car deals - September 2025

Thanks to affordable monthly payments and great incentives, PCP is the most popular way to buy a new car. From 0% APR to deposit contributions, here's our pick of the best PCP deals around.

Up to 90% of new cars that hit the road are financed with Personal Contract Purchase, or PCP, with drivers able to pay a small deposit and make affordable monthly payments for their car, rather than having to find a large cash sum.

What is PCP?

PCP is really simple. Usually, you 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. Then you pay a set number of monthly payments over a period of time, usually between two and five years. At the end of the agreement, you have the option to buy your car, trade it in for a new PCP deal on a new car, or hand it back once your deal is done.

Factors that influence the size of a monthly payment include the cost of the car, the length of the PCP agreement and the annual milage allowance. What might seem like a great deal might only include 6000 miles per year, for example. PCP agreements having very high interest rates, which can be bumped up if you have a lower credit rating, are worth a swerve, too.

VED car tax rates for 2024/25

The popularity of PCP deals means car dealers and car makers often concentrate on offering their best deals here. Incentives to look out for include 0% interest rates, zero deposit deals and significant deposit contributions, especially if you buy from a franchised dealer and use that firm’s financial services for the loan. If you’re flexible in your approach, then great deals await.

Looking to buy electric? Then there's the government's Electric Car Grant, which could give you up to £3750 off the cost of a new EV, and is being matched by some companies regardless of EV Grant eligibility.

Keeping on top of the latest, greatest PCP deals can be a chore, which is where we come in. This page includes the best PCP car deals in the UK available to new car buyers right now. We search far and wide to hopefully find the right car PCP deals that works for you.

After more deals on new cars? Check out our round-up of all the best new car deals around. 

Best PCP Car Deals

Our round-up of the best new-car PCP deals highlights the deals we think are the best balance between a low deposit and affordable monthly payments. This list includes PCP deals being offered by carmakers right now, plus our picks of individual models that have caught our eye.

Abarth

  • The Abarth 600e is available on 60-month conditional sale at 0% APR with a minimum 40% deposit or PCP starting at £499 a month for 48 months. Both deals include a £1500 Abarth Electric Grant and £350 deposit contribution
  • The Abarth 500e is available as above but with a £300 deposit contribution, with PCP starting at £329 a month

  • Find out more on these deals

Alfa Romeo

  • The Alfa Romeo Junior Ibrida is 0% APR with a 20% deposit making it £267 a month over 24 months
  • The Alfa Romeo Junior Elettrica range gets a £1500 Alfa Romeo Electric Car grant
  • Deposit contributions are available on Alfa Romeo Tonale (£2000-£5500), Alfa Romeo Giulia (£1000-£2000) and Alfa Romeo Stelvio (£1000-£2000) depending on model, while 0% APR with a 30% minimum deposit is also available

  • Find out more on these deals

Alpine

  • The new Alpine A290 range starts at £345 a month at 2.9% APR on a 48-month deal with a £1000 deposit contribution
  • The Alpine A110 starts at £750 a month

  • Find out more on these deals

Audi

  • Deposit contributions include the Audi A1 (£900), Audi A3 (£3575-£4500), Audi A5 (£5500), Audi A6 (£5200) and Audi A8 (£15,000)
  • SUV contributions include the Audi Q2 (£5250), Audi Q3 (£750), Audi Q5 (£650), Audi Q7 (£9250-£11,250) and Audi Q8 (£7050-£9350)
  • EV contributions include the Audi A6 Avant e-tron (£6550), Audi Q4 e-tron (£7750), Audi Q6 e-tron (£6225) and Audi e-tron GT (£9000)
  • The e-tron deals include a free Ohme home charger worth £999 or an extra £500 discount

  • Find out more on these deals

PCP Deal: Audi Q4 e-tron S Line 40

£509 a month: 4 year PCP at 6.9% APR with £7750 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 £7750 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.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£7625 47 x £509 (£23,923) £17,560 £49,118 10,000 30th September 2025

 

BMW

  • BMW sales offer discounts include the BMW M135 xDrive (£2500), BMW M340i xDrive Touring (£4731), BMW 420i M Sport Gran Coupe (£3409), BMW 530e M Sport (£2000), BMW iX xDrive45 M Sport (£8915), BMW 750e xDrive M Sport (£1091) and BMW 840i M Sport Gran Coupe (£16,766)
  • SUV deals include the BMW X4 M Competition (£12,116), BMW X5 M Competition (£10,062) and BMW X6 M Competition (£10,116)

  • Find out more on these deals

BYD

  • The BYD Dolphin Surf starts at £199 a month with £199 deposit, the BYD Dolphin starts at £319 with £319 down. The new BYD Atto 2 starts at £339 with £339 deposit and the BYD Atto 3 is £369 with £369 deposit. All are 0% APR and have deposit contributions and retailer discounts
  • The BYD Seal U DM-i starts at £349 at 3.5% APR, the BYD Seal starts at £479 at 1.7% APR and the BYD Sealion 7 starts at £489 at 1.9% APR

  • Find out more on these deals

Chery

  • The Chery Tiggo 7 starts at £329 a month with £329 deposit over 48 months. Opt for the plug-in hybrid Chery Tiggo 7 CSH and prices start at £406 a month with £406 deposit. Both are 1.9% APR
  • The Chery Tiggo 8 CSH starts at £483 a month with £482 deposit at 2.9% APR

  • Find out more on these deals

Citroen

  • The Citroen C3 is £158 a month and the new Citroen C3 Aircross is £165, the Citroen C4 costs £289 a month and the Citroen C4 X starts at £302, and the Citroen C5 Aircross starts from £270 a month all with 0% APR over two years
  • The Citroen e-C3 starts from £236, the Citroen e-C3 Aircross at £171, the Citroen e-C4 at £425 and the Citroen e-C5 Aircross at £195. Again, all are 0% APR over 24 months

  • Find out more on these deals

PCP Deal: Citroen e-C3 Plus 83kW with 44kWh battery

£236 a month: 2 year PCP at 0% APR with £1500 Electric Car Grant

The Citroen e-C3 is one of the most affordable new electric cars, and has plenty to recommend it. Capable of just under 200 miles on a charge, it's well equipped, comfortable and spacious, and the sort of electric car that you forget what's under the bonnet, especially if you do lots of urban miles.

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 20% deposit, although the OTR price isn't too expensive to begin with thanks to the £1500 government Electric Car Grant.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£4119 23 x £235.91 (£5425.93) £11,050 £20,595.01 8000 30th September 2025

 

Cupra

  • There's deposit contributions on Cupra Terramar (£4000), Cupra Leon (£4000), Cupra Ateca (£4500) and Cupra Formentor (£4500) models, all at 6.9% APR
  • There's £7000 towards your deposit on the Cupra Born, plus an extra £1500 EV Grant on entry level models, and £4500 towards your Cupra Tavascan, and both are 4.9% APR

  • Find out more on these deals

Dacia

  • The Dacia Spring is available with 0% APR over 48 months and a £2250 deposit contribution
  • Deposit contributions include the Dacia Sandero Stepway (£250), Dacia Duster (up to £750) and new Dacia Bigster (up to £500)
  • Find out more on these deals

DS Automobiles

  • DS has PCP deposit contributions on non-electric DS3 (£250-£2750) and electric DS3 models (£2000), plus there's £1000-£2000 discount depending on trim level on the new DS No8

  • Find out more on these deals

Fiat

  • The new Fiat Grande Panda Hybrid starts at £199 a month with £50-£350 deposit contributions on higher trim levels, and the Fiat 600 Hybrid starts at £259 with a £900 deposit contribution
  • The Fiat Grande Panda Electric starts at £259 a month, the Fiat 500e has 0% APR and starts at £279 and the Fiat 600e starts at £329, and all include a £1500 Fiat e-Grant saving
  • These models are available on 60-month conditional sale with 0% APR with a minimum 40% deposit, plus the same deposit contribution discounts

  • Find out more on these deals

Ford

  • Selected Ford Kuga are 0% APR and the Kuga PHEV adds a £1000 deposit contribution, too
  • Selected Ford Focus models have 0% APR and £750 towards deposits
  • The Ford Explorer has a £3700 deposit contribution and 0% APR over four years, the Ford Capri (£3700 and 0% APR), Ford Mustang Mach-E (£7000 discount and 0% APR) and Ford Puma Gen-E (0% APR) also have offers

  • Find out more on these deals

PCP Deal: Ford Puma Titanium 125PS

£305 a month: 4 year PCP at 2.9% APR

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 few years. The recently facelifted Puma is available with a small discount depending on model, and all Ford Solutions PCP Puma offers include a low 2.9% APR and reasonable 9000 miles per year limit. Vehicles are generally in stock and ready to go, too, so delivery times are as short as one week.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£4518 48 x £304.80 (£14,630.40) £9241 £28,409.19 9000 30th September 2025

 

GWM

  • The GWM Ora starts at £249 a month on a 48-month PCP deal, and the deposit contribution of £3750 matches the maximum available from the UK Electric Car Grant. APR is 0%, too
  • The Haval Jolion hybrid starts at £259 a month at 6.9% over four years with a £1000 deposit contribution

  • Find out more on these deals

Honda

  • Deposit contributions include the Honda Jazz, Honda ZR-V and Honda Civic (£2000),  Honda HR-V (£2500) and Honda CR-V (£3000)
  • The Honda e:Ny1 is available with 0% APR and a £4000 deposit contribution

  • Find out more on these deals

Hyundai

  • Deposit contributions include the Hyundai i20, Hyundai Bayon and Hyundai i30 (£1750), and Hyundai Tucson (£2000 and free trim upgrade). 
  • The Hyundai Inster (£3750), Hyundai Ioniq 5, Hyundai Ioniq 6 and Hyundai Ioniq 9 (£1500) get Hyundai grants equivalent to the UK government's Electric Car Grant, and the Hyundai Kona, Tucson, Ioniq 5 and Ioniq 6 are all 0% APR

  • Find out more on these deals

PCP Deal: Hyundai i10 Advance

£169 a month: 4 year PCP at 8.4% APR

Hyundai i10

The Hyundai i10 used to be incredibly well equipped and extremely cheap. The latter isn't quite true any more, as the most basic model now costs more than £17,000, but the i10 continues to impress with its ability to pack big car equipment and comfort into such a small size, making it a very popular option in financially complicated times. Big deposit here, but you can get an i10 for a very affordable monthly rate as a result.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£5000 48 x £169.48 (£8135.04) £7186.92 £20,321.96 6000 30th September 2025

 

Jaecoo

  • The Jaecoo 7 starts from £299 a month on a 48-month PCP at 1.9% APR, and the Jaecoo 7 SHS PHEV starts from £349 a month on 48-month PCP at 0% APR

  • Find out more on these deals

Jeep

  • PCP deposit contributions on the Jeep Renegade (£1250-£3750), Jeep Compass (£4750-£6250), Jeep Wrangler (£3750-£4750) and Jeep Grand Cherokee (£5500-£7500) are available
  • The Avenger is 0% APR with a minimum 10% deposit

  • Find out more on these deals

KGM Motors

  • All KGM models are 0% APR when you pay 50% upfront, then the remaining 50% 12 months later
  • The KGM Torres EVX is available on a 36-month PCP deal from £310 a month. This has 0% APR but requires a minimum 20% deposit

  • Find out more on these deals

Kia

  • Kia is offering zero deposit PCP on all models, plus deposit contributions including the Kia Picanto and Kia Sorento (£500), Kia Sportage (£500-£1000), Kia Niro (£500-£2000), Kia Stonic (£1250) and Kia Ceed range (£1000-£2000)
  • There's also £1000 towards the Kia Niro EV, Kia EV3, Kia EV6 and Kia EV9, and all EVs get a year of Kia Charge Plus discounted charging included

  • Find out more on these deals

PCP Deal: Kia Sportage

£416 a month: 3 year PCP at 5.9% APR, £1000 deposit contribution and zero deposit option available

The Kia Sportage is one of the best family SUVs on the market. And buyers tend to agree, as it's one of the best-selling new cars in the UK. The Sportage has just been treated to a mid-life facelift, which includes a new exterior look, bringing the car into line with the latest Kia models, plus interior revisions and new tech.

Kia is currently offering the Sportage with a £1000 deposit contribution. A 37-month deal with 10,000 miles a year on the new entry-level Sportage Pure is £416 a month with a £3089 customer deposit. Zero deposit is an option, taking monthly payments up to £510 with the same customer deposit.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£3089 36 x £416.04 (£14,977.44) £15,595 £34,661.44 10,000 30th September 2025

 

Land Rover

  • The Land Rover Discovery Sport has a £3000 deposit contribution and starts at £469 a month, the Land Rover Discovery starts at £599 a month with £4000 towards your deposit, and the Land Rover Defender 110 starts at £739

  • Find out more on these deals

Leapmotor

  • The Leapmotor T03 starts at £169 a month with 0% APR and a £169 deposit. Also included is a £623 deposit contribution and £1500 Leap grant, which matches the UK government's EV Grant
  • The Leapmotor C10 starts at £319 a month with 0% APR and a £319 deposit. There's a £611 deposit contribution and £3750 off to match the UK EV Grant saving

  • Find out more on these deals

Lexus

  • Selected Lexus RZ and Lexus UX Electric models are available with 0% APR and a £4500 deposit contribution
  • Deposit contributions are also available on selected Lexus LBX (£750), Lexus NX (£1000), Lexus UX (£2000), and Lexus RX models (£1500-£5000)

  • Find out more on these deals

Mazda

  • The Mazda2 Hybrid starts at £199 a month, the Mazda CX-30 starts at £259 a month, the Mazda CX-5 starts at £279 a month and the Mazda MX-30 R EV starts at £309. All are 0% APR
  • The Mazda CX-60 PHEV is 0% APR and has a £2000 deposit contribution, and the Mazda3 has a £1500 deposit contribution and 3.9% APR

  • Find out more on these deals

PCP Deal: Mazda2 hybrid Centre-Line

£199 a month: 4 year PCP at 0% APR

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.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£5394.27 47 x £199 (£9353) £9833 £24,580 6000 30th September 2025

 

Mercedes-Benz

  • Mercedes PCP discounts include the Mercedes CLA Shooting Brake (£4000), Mercedes GLA (£2000), Mercedes A-Class (£4750), Mercedes GLC (£3000), the Mercedes S-Class (£8500) and Mercedes E-Class (£3500)
  • Electric deals include the Mercedes EQA (£7500), Mercedes CLA Electric (£4850), Mercedes EQB (£2500), Mercedes EQS Saloon (£9999) and Mercedes EQE 53 SUV (£9500) and Mercedes EQS 53 (£9999)

  • Find out more on these deals

MG

  • The MG4 and MGS5 both start at £199 per month, the MG HS PHEV starts at £279 and the MG4 XPOWER starts at £299, all with 0% APR
  • Deposit contributions include the MG3 Hybrid+ (£250-£750), MG ZS Hybrid+ (£500-£750), MG HS Hybrid+ (£250-£500), MG IM5 (£1500-£2000) and MG IM6 (£2500-£3000)
  • MG is offering a £1000 test drive voucher redeemable on new MGS5, MG4, MG4 XPOWER, and MG HS PHEV, plus a £1500 saving to match the UK government Electric Car Grant

  • Find out more on these deals

PCP Deal: MGS5 EV SE

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

The MGS5 EV is effectively the replacement for the MG ZS EV. As with all MG's second generation models, they build on the previous 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 replaced soon, MG is currently offering the S5 at just £199 per month with 0% APR. You also get a deposit contribution of £1500 on the S5, plus MG's Electric Car Grant of £1500, which is equivalent to the government's offer.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£5316.50 48 x £199 (£9552) £10,876.50 £28,745 8000 30th September 2025

 

Nissan

  • The Nissan Juke has £2000-£2625 towards deposits, the Nissan Qashqai £1750-£2750 and the Nissan X-Trail £2400-£3500
  • Nissan Ariya models have £1000-£3250 deposit contributions, and the new Nissan Micra has £250-£500

  • Find out more on these deals

Omoda

  • The Omoda 5 starts at £199 a month on a 49-month, 0% APR deal, including a £500 test drive voucher
  • The electric Omoda E5 is £289 a month with a £4937 deposit, a £3750 deposit contribution and 0% APR

  • Find out more on these deals

Peugeot

  • Deposit contributions include the Peugeot 208 (£750-£4150), Peugeot 2008 (0% APR), Peugeot 308 (£2250-£2500), Peugeot 408 (£1750-£2000) and Peugeot 5008 (£1500 and 0% APR)
  • Electric models with deposit contributions include Peugeot e-208 (£2100), Peugeot e-2008 (£800-£1850), Peugeot e-308 (£2350), Peugeot e-3008 (£2750 and 0% APR), Peugeot e-408 (£2450) and Peugeot e-5008 (£2500 and 0% APR)

  • Find out more on these deals

Polestar

  • The Polestar 2 starts at £399 a month with an £8800 deposit, the Polestar 3 starts at £599 a month with a £14,100 deposit and the Polestar 4 starts at £499 a month with a £10,500 deposit. All are 0% APR and have a £2000 discount

  • Find out more on these deals

Range Rover

  • The Range Rover Evoque starts at £339 a month and has a £3000 deposit contribution, the Range Rover Velar starts at £489 a month with £4000 towards your deposit and the Range Rover Sport starts at £639 a month with a £5000 deposit contribution

  • Find out more on these deals

PCP Deal: Range Rover Evoque D200 S

£339 a month: 4 year PCP at 2.9% APR with £3000 deposit contribution

Just as with the rest of the Range Rover line-up, the Range Rover Evoque is not a cheap car, especially in the context of its rivals. However, it has a design flair that few peers can match, and the go anywhere in luxury charms of the firm's higher-end models still shine through.

What's more, if you opt for this PCP deal, as long as you can stump up the big customer deposit of almost £10,000, a £3000 deposit contribution means you're paying just £339 a month for four years of Range Rover motoring.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£9815 48 x £339 (£16,272) £19,401 £48,488 8000 30th September 2025

 

Renault

  • Deposit contributions on 48-month PCP include the Renault Captur (up to £1250), Renault Clio (up to £1000), Renault Symbioz (up to £1500), Renault Austral (up to £1500) and Renault Rafale (up to £2500). All models are also available with 0% APR over 24 months
  • The new Renault 5 and Renault 4 are 0% APR over two years or 5.9% APR and up to £500 deposit contribution over four years. The Renault Megane E-Tech and the Renault Scenic E-Tech are 0% APR and all electric models get a £1500 Electric Car Grant

  • Find out more on these deals

PCP Deal: Renault Scenic E-Tech Techno

£138 a month: 2 year PCP at 0% APR

The Renault Scenic E-Tech is stylish and spacious, and features a long list of equipment as standard. In fact, it's one of the best electric SUVs you can buy. Opt for a 25-month 0% APR deal, and you can get a Scenic E-Tech in entry-level Techno trim starting at just £138 a month. The major downsides being that this requires a customer deposit of over £10,000 and you're limited to 6000 miles a year.

As with most of its models, Renault also offers a longer four-year PCP option at 5.9% APR. This deal takes the monthly payments up to £319, but does have a £1000 deposit contribution and requires a £5285 customer deposit.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£10,649 24 x £138 (£3312) £21,535 £35,495 6000 30th September 2025

 

SEAT

  • Deposit contributions are available on the SEAT Ibiza (£2000), SEAT Ateca (£3500), SEAT Arona (£3500), SEAT Leon and SEAT Leon Estate (£4500)
  • All are 6.9% APR and buyers can add the car's first two services for £299

  • Find out more on these deals

Skoda

  • Deposit contributions are available on the Skoda Scala and Skoda Fabia (£1750), Skoda Kodiaq TSI and TDI (£2000), Skoda Kamiq (£2250), Skoda Karoq and Skoda Octavia (£3000), Skoda Superb (£3250) and Skoda Kodiaq PHEV (£4000)
  • The new Skoda Elroq and facelifted Skoda Enyaq are 0% APR over 36 months or have a £2750 contribution at 6.4% over 48 months
  • All models are also currently available with 0% APR on maximum 24-month terms

  • Find out more on these deals

PCP Deal: Skoda Fabia SE Edition 1.0 MPI 80PS

£290 a month: 2 year PCP at 0% APR

The Skoda Fabia is perhaps the ideal small hatchback. It's very refined and quiet for a small car, comfortable to drive and features plenty of tech, too. The Fabia is available on a 24-month PCP with 0% APR that requires a customer deposit of £3714 and £290 a month, plus there's the option of adding the car's first two services for £299.

For the same deposit, you can opt for a 48-month PCP deal at 6.4% APR with monthly payments of £211. This deal comes with a £1750 deposit contribution.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£3713.57 23 x £290.31 (£6677.13) £10,239.30 £20,630 10,000 30th September 2025

 

Skywell

  • The Skywell BE11 includes a £6000 deposit contribution, plus now adds an extra £3750 off the car's on the road price, to match the maximum available from the government's Electric Vehicle Grant

  • Find out more on this deal

Smart

  • The Smart #1 has a £2000 discount and 0% APR on PCP, plus an extra £1500 Smart EV Car Grant, making monthly payments £325
  • The Smart #3 has a £1000 discount and 2.9% APR on PCP, plus the £1500 Smart EV Car Grant, so monthly payments start at £380

  • Find out more on these deals

Subaru

  • Subaru currently has deposit contributions on the Subaru Forester (£1000), Subaru Solterra EV (£1500), Subaru Crosstrek (£1750) and Subaru Outback (£2000) when financed with PCP 

  • Find out more on these deals

Suzuki

  • The new Suzuki e Vitara is available with 0% APR on a 25-month PCP with a minimum 20% deposit or over 49 months at 2.9% APR with a £500 deposit contribution and no minimum deposit. The Suzuki Vitara is available as above, but with a £3000 deposit contribution and 5.9% APR
  • The Suzuki Swift is available from £109 a month with 0% APR on a 25-month PCP with a minimum 20% deposit or over 49 months at 5.9% APR with a £500 deposit contribution and no minimum deposit
  • Discounts are available on the Suzuki S-Cross (£4050) and Suzuki Across (£2750)

  • Find out more on these deals

PCP Deal: Suzuki Swift Mild Hybrid Motion CVT

£109 a month: 25 month PCP at 0% APR with minimum 20% deposit

The new Suzuki Swift is the fourth generation of Suzuki's small hatchback, and the latest model features a new petrol engine that sips fuel, so running costs are affordable. Monthly payments are also well within reach with this deal, limited to a maximum 25-month term.

There's also an alternative offer of 48-month PCP with no minimum deposit, 5.9% APR and a £500 deposit contribution. If you opt not to pay a deposit, monthly payments start at £370.31.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£4666 24 x £109 (£2616) £13,667 £20,949 8000 30th September 2025

 

Tesla

  • The Tesla Model Y SUV is available from £349 with a £9210 deposit and 0% APR over 36 months, plus a £2000 deposit contribution
  • The Tesla Model 3 starts from £299 per month with £8840 deposit and a £3000 deposit contribution at 0% APR over 48 months

  • Find out more on these deals

Toyota

  • PCP deposit contributions include the Toyota Aygo X (£300), Toyota Yaris Cross (£750), Toyota Yaris (£800), Toyota Hilux, Toyota C-HR (£1500-£3500) and Toyota RAV4 PHEV (£1500), Toyota Prius PHEV (£2000) and Toyota Corolla (£3200)
  • The C-HR, Corolla and Yaris can also be had with 0% APR over 24 months
  • The Toyota bZ4X is available with 0% APR and a £4000 deposit contribution

  • Find out more on these deals

Vauxhall

  • Offers on PCP include the Vauxhall Corsa (£500 off and 0% APR), Vauxhall Mokka (£625 off and 0% APR), Vauxhall Grandland (£900 off and 0% APR) and Vauxhall Astra (£675 off and 0% APR)
  • Opt for electric and the contributions and 0% deals are the same

  • Find out more on these deals

PCP Deal: Vauxhall Corsa YES 2025

£178 a month: 3 year PCP at 0% APR and £500 saving

The Vauxhall Corsa is part of the furniture of UK roads, with seemingly most drivers experiencing one as a hire car, learner car or even just plain old reliable city transport at some point in their driving career.

The latest Corsa is the best yet, particularly if you opt for the latest version of Vauxhall's shouty but value-packed YES trim level. This includes LED lighting, a heated steering wheel and front seats, smartphone-compatible infotainment and plenty more, and is currently available with a £500 discount and 0% APR.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£3881.95 35 x £178.43 (£6245.05) £9283 £19,410 6000 30th September 2025

 

Volkswagen

  • Deposit contributions include the VW Polo, VW Taigo and VW T-Cross (£1400), VW Tayron (£1500), VW Tiguan (£1850), VW T-Roc (£2500), VW Golf (£3000), VW Passat (£4750) and VW Touareg (£8500)
  • The electric VW ID.3 (£2500), VW ID.4 (£4000), VW ID.5 (£3500) VW ID.7 (£1000) are available with 0% APR over 36 months. Deposit contributions are £6000, £7000, £7000 and £2000 respectively on a 48-month term at 6.9% APR

  • Find out more on these deals

PCP Deal: Volkswagen T-Roc Match 1.0 TSI

£333 a month: 4 year PCP at 6.9% APR with £2500 deposit contribution

The Volkswagen T-Roc 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 £2500 deposit contribution and a useful 10,000-mile per year mileage allowance.

If you want a little more luxury or performance from your T-Roc, Style trims and above get a £3000 deposit contribution at the same APR.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£4437.75 47 x £333.33 (£15,666.51) £11,586.60 £34,200.86 10,000 30th September 2025

 

Volvo

  • Deposit contributions include the Volvo XC40 and Volvo V60 (£3000), Volvo XC60 (£3250) and Volvo XC90 (£4000)
  • Opt for a plug-in hybrid and discounts include the Volvo V60 PHEV (£3000), Volvo XC60 PHEV (£4750), Volvo XC90 PHEV (£5000) and Volvo V90 PHEV (£7000)
  • EV discounts include the Volvo EV Grant on the Volvo EX30 (£1500), plus the Volvo EX40 (£6000) and Volvo EC40 (£5000)

  • Find out more on these deals

XPeng

  • The new XPeng G6 electric coupe-SUV is the firm's first UK model. Get one for £299 a month at 2.9% APR with a £10,201 deposit. Metallic paint is free on the standard range car, and you get a free Ohme home charger with the long-range model, and both have a £3750 deposit contribution

  • Find out more on this deal

What is the government Electric Car Grant?

The UK Electric Car Grant is part of a £650 million fund intended to make buying a brand-new electric car more affordable and encourage people to switch to an EV before new petrol and diesel car sales are phased out in 2030. 

The maximum grant amount is £3750 off the car's OTR price, although a £1500 grant is available for models that partially meet the scheme criteria. Carmakers have to apply to add their models to the scheme, and only models that cost £37,000 or less are eligible. 

Applications began on July 16, and the first models to qualify will be announced on August 11. However, carmakers including Leapmotor, GWM, Skywell, Hyundai and Volvo have all announced equivalent grant discounts so you don't have to wait to get behind the wheel of a shiny new EV at a discounted price.

How does a PCP work?

Rather than paying cash for a new car all in one go, a PCP agreement allows you to pay an initial deposit towards the cost of the car, either with cash or a part exchange, or combination of both.

You then take out a loan to be paid back over a set time in the form of monthly payments - usually over two to five years. This breaks the repayment of the loan down into much more manageable chunks, and is effectively you covering the cost of the car’s depreciation.

At the end of the agreement, you have the option to give the car back and walk away, part-exchange the car and start a fresh PCP agreement on a new car, or pay off the outstanding amount.

This latter point is a major appeal of a PCP over a lease deal. Unlike PCH, where there is no ownership option, a PCP always allows you the flexibility of buying the car at the end of the deal. However, you don't take ownership of the car until you've paid the deposit, all monthly payments and the final balloon payment.

What are the negatives of PCP?

Although a PCP offers you the flexibility of owning the car, you only take ownership after paying a deposit, all the monthly payments and the final balloon payment, so careful budgeting is essential if you plan to own the car outright. If so, you might also wish to consider hire purchase, too, as that's geared specifically towards car ownership but with monthly payments.

A low credit score can mean higher interest rates to pay, too, while PCP plans can come with extra costs. Any damage outside of regular wear and tear, and exceeding the agreed mileage limit are chargeable. Likewise, if you decide to end your PCP agreement early, you'll be liable for significant extra outlay.

How can I make the monthly cost as low as possible?

The first golden rule is to make sure you don’t get sucked in by a deposit and monthly payment amount that you can only just afford. Think about what might happen if your circumstances change and the impact that this could have on your ability to keep up with your monthly payments. Nicer cars can mean bigger bills for things like insurance and other running costs that you are liable for, too.

As to making the PCP deal itself more affordable, if you can afford a larger deposit, this can trim the monthly payment. Keep an eye out for deals on your chosen car too, as manufacturers regularly offer deposit contributions. The length of your agreement and the number of miles you agree to drive per year make a difference, too. Generally a longer deal with fewer miles makes for the lowest monthly payment. PCP is effectively financing the car’s depreciation, so choose a car that will hold its value well.

How is the final payment to own the car calculated?

The final, optional payment of a PCP agreement is the guaranteed future value (GFV), often called the balloon payment, of the car. This is the car's residual value after the PCP term has reached its end, and will be part of your finance agreement when you sign up for your PCP deal. This GFV amount has to be paid off in order to have ownership of the car transferred from the finance company to you.

The GFV is calculated based on the make and model of car, which impacts how much it will depreciate in the time you’re paying off the loan, and also considers the length of the finance agreement, and how many miles you’re likely to drive.

The GFV amount is agreed when you make the PCP deal, so make sure you understand the figures before signing on the dotted line, and budget accordingly if you plan to buy the car so that you don't miss out if you can't afford the balloon payment.

Who owns a car bought with PCP?

For the duration of the PCP, the car is owned by the finance company that you sign the deal with. So while you've paid your deposit and are paying monthly payments, the car still belongs to the finance company.

At the end of the agreement, the car’s ownership can be transferred to you only if you settle up and pay the final balloon payment (GFV) to keep the car. You don't have any ownership rights until this point.

Often, PCP deals are offered by the financial services companies of major carmakers. For example, if you buy a new Ford Puma on PCP, you’ll be signing an agreement with Ford Credit, so Ford Credit would own the car for the duration of the PCP deal. Pay the deposit, all your monthly payments and then the final balloon payment and it’s yours.

Who pays for repairs on a car financed with PCP?

When you sign a PCP agreement, the specifics of what's covered and what's not when it comes to the car's maintenance or crash damage will be contained within the contract. It's worth making sure exactly what's covered, who is responsible, and the process should you be involved in an accident, before you sign up.

Usually it's the car driver's responsibility to arrange insurance and take car of any maintenance, like annual servicing or replacement of wear and tear items like tyres. Packages are often available that bundle your first two or three services into one payment when you sign up. It's worth checking where the car can be serviced, as some PCP agreements specify a dealer or approved garage only. 

If the car develops a fault, this is generally covered by the manufacturer warranty, while any accident damage would be up to your insurance company to pay the bill to cover. It's worth being honest with your PCP provider should any untoward situation occur, as an unauthorised repair could be charged when you return the car as this will impact the car's value.