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Top 10: Family cars for under £250 a month

Family budgets are being squeezed, with rising fuel and insurance costs making it harder for many to make ends meet. Thankfully, you don’t need to spend every last penny of your savings to get a comfortable and practical new family car. If you can set aside some money for a deposit, then a new car could be more affordable than you think thanks to these PCP (personal contract purchase) deals.  

Here are the 10 best family car PCP deals on the market right now. As always, check the details of your specific agreement and read the small print.

What is a PCP? / Top 10 tips for buying a new car / 25 cheapest new cars on sale

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Volkswagen Golf SE Nav 1.0 110PS

The seventh-generation Golf is the benchmark for all modern hatchbacks. It has won countless awards thanks to its blend of impeccable on-road manners, comfort, refinement and quality. You might expect it to be quite expensive, as a result, but there are some decent finance deals available on Volkswagen’s premium hatch. For example, for an SE Nav version with the 1.0-litre petrol, there's a finance deal available with a deposit contribution of £1500 and monthly costs of £205. 

What you pay:

Cash price: £21,015 

Finance product: PCP

Monthly payment: £205

Customer deposit: £4778

Dealer deposit contribution: £1500

Total deposit: £6278

Duration: 42 months

Annual mileage: 10,000

Total amount of credit: £14,737

APR: 5.2 per cent

Optional final payment: £7361

Total payable by customer: £23,284

Excess mileage fee: 7.2p per mile

Extras: None

To read our full review of the Volkswagen Golf click here

 

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