Best PCP car deals - April 2025

PCP is the most popular way to buy a new car thanks to affordable monthly payments and great incentives if you know where and when to look. We round up the best PCP deals around.

If you’re in the market for a new car deal, then PCP is likely to become very familiar to you. That’s because between 80% and 90% of new cars hitting UK roads are bought using some form of Personal Contract Purchase, or PCP for short.

PCP is really simple. You pay a deposit that's affordable, then agree on monthly payments that won’t overstretch your finances, then 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 reaches its end.

As with all things, not all car PCP deals are created equal, with some tantalisingly low monthly payments calculated on unrealistically low annual mileage allowances to lure you in. Or other PCP deals having very high interest rates, which can be bumped up if you have a lower credit rating.

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However, the popularity of PCP deals means car dealers and car makers often sweeten their deals with things like free services, 0% interest rates 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.

Keeping on top of the latest, greatest PCP deals can be exhausting work, which is where we come in. Here we round up 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. 

PCP Deals - A-Z by Car Maker

Here's a list of the PCP deals being offered by carmakers right now. If a deal pops up, we'll feature it here.

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Alfa Romeo

  • PCP deposit contributions are available on the Alfa Romeo Giulia (£2500) and Alfa Romeo Stelvio (£2000). The Alfa Romeo Junior Elettrica and Tonale PHEV get £999 towards an EV home charger and installation
  • The Stelvio and Giulia are 0% APR if you put down a 35% deposit, and the Junior and selected in-stock Tonale models are 0% APR with a 10% deposit.

  • Find out more on these deals

Alpine

  • The Alpine A110 range is available on 24-month PCP with 0% APR and a years' free servicing if you put down a minimum 30% deposit
  • The new Alpine A290 range starts at £345 a month at 2.9% APR on a 48-month deal

  • Find out more on these deals

Audi

  • Deposit contributions include the Audi Q6 SUV e-tron (£7800), Audi A6 Avant e-tron (£7000), Audi Q4 e-tron (£10,525), Audi S e-tron GT (£9975) and Audi A3 Sportback TFSI e (£5810)
  • The Audi A5 Saloon (£6675), Audi A3 Sportback (£2300), Audi A6 Avant (£7175) and Audi Q7 (£6725) have deals, too
  • The e-tron deals include a free Ohme home charger worth £999 or an extra £500 discount

  • Find out more on these deals

BMW

  • BMW has a range of sales offer discounts, including the BMW M135 xDrive (£2500), BMW M340i xDrive Touring (£4731), BMW 530e M Sport (£2000), BMW i4 M50 (£6126), BMW 750e xDrive M Sport (£8591) and BMW 840i M Sport Gran Coupe (£16,766)

  • Find out more on these deals

BYD

  • PCP deals include the BYD Dolphin starting at £269 a month with 0% APR, a £269 customer deposit and £1500 dealer discount
  • The BYD Atto 3 starts at £389 a month with 0% APR, £389 down, a £4000 deposit contribution and a £1800 dealer discount
  • The BYD Seal U DMi starts at £349, the BYD Seal starts at £479 and BYD Sealion 7 starts at £489 a month

  • Find out more on these deals

Citroen

  • The Citroen C3 is £299 a month with a £299 deposit and £520 deposit contribution, and the new Citroen C3 Aircross is £315 a month with a £315 deposit
  • The Citroen C4 costs £369 with £369 down and a £716 deposit contribution and the Citroen C5 Aircross from £439 a month with £439 down and £1117 towards your deposit
  • The Citroen e-C3 starts from £339 with a £339 deposit and £884 deposit contribution and the Citroen e-Berlingo is £475 a month with £475 down and a £2358 deposit contribution

  • Find out more on these deals

Cupra

  • There's deposit contributions on Cupra Terramar (£2000), Cupra Leon (£2750-£3750), Cupra Ateca (£3750) and Cupra Formentor (£4000) models
  • Cupra has 0% APR PCP and £4500 towards your deposit available on the Cupra Born EV, and 1% APR on £1750 towards your Cupra Tavascan

  • Find out more on these deals

Dacia

  • Dacia has deposit contributions on the Dacia Sandero Stepway and hybrid models of the Dacia Jogger (£250)
  • There's 4.9% APR over 24 months with a minimum 25% deposit on the Dacia Sandero, Dacia Duster and new Dacia Bigster
  • The Dacia Spring is 0% APR over 48 months with £1000 deposit contribution and three years' servicing for £99

  • Find out more on these deals

DS Automobiles

  • DS has PCP deposit contributions on the DS3 (£250-£1250), the DS4 (£1250-£2500), the DS7 (£1500-£2250) and the DS9 (£1500-£3000)
  • The DS No8 Etoile has £500 off, and there's £500-£2250 off selected DS4 and DS7 models in stock
  • Find out more on these deals

Fiat

  • The Fiat 500e has 0% APR on PCP plus a £500 Spring Electric Saving, the Fiat 600e has a £500 Spring Saving, and the Fiat 600 Hybrid has a £650 deposit contribution
  • These models are available on 60-month conditional sale with 0% APR with a minimum 40% deposit. The EVs get a £500 Spring Saving, too

  • Find out more on these deals

Ford

  • Selected Ford Kuga models have £500 deposit contributions and 0% APR, and there's 0% APR on Ford Focus models
  • The Ford Explorer has a £3000 deposit contribution and 0% APR over three years, the Ford Capri (£3000 and 0% APR), Ford Mustang Mach-E (£7500 discount and 0% APR) and Ford Puma Gen-E (0% APR) also have offers

  • Find out more on these deals

Genesis

  • The Genesis GV60 is available from £444 a month with a £5000 deposit contribution and 1.9% APR, although the customer deposit required is a hefty £15,000
  • Genesis G80 Electric models have £3000 deposit contributions, while petrol G80 models get £2000 off

  • Find out more on these deals

GWM

  • The GWM Ora starts at £299 a month on a 48-month PCP deal, and deposit contributions range from £400-£1050
  • The Haval Jolion hybrid starts at £269 a month

  • Find out more on these deals

Honda

  • The Honda HR-V, Honda ZR-V and Honda Civic, including the Type R, have £2500 deposit contributions, and the Honda CR-V has £4000 off
  • The electric Honda e:Ny1 has £5000 towards your deposit and 0% APR. All models have five years' servicing included

  • Find out more on these deals

Hyundai

  • Deposit contributions include the Hyundai Kona Electric and Hyundai Inster (£1000), Hyundai i20, Hyundai Bayon and Hyundai i30 (£1500), Hyundai Tucson, Hyundai Ioniq 5 and Hyundai Ioniq 6 (£2000)
  • Non-electric Hyundai Kona, Hyundai Inster, Hyundai Ioniq 5 and Hyundai Ioniq 6 are 0% APR

  • Find out more on these deals

Jaecoo

  • The Jaecoo 7 starts from £399 a month, and the Jaecoo 7 SHS PHEV starts from £409 a month on 48-month PCP at 3.9% APR

  • Find out more on these deals

Jeep

  • PCP deposit contributions on the Jeep Renegade (£750-£3000), Jeep Avenger (£550-£2000), Jeep Compass (£2750-£5750), Jeep Wrangler (£3500-£4500) and Jeep Grand Cherokee (£4000-£6000) 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 PCP with 0% APR with 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 £1500 towards the Kia Niro EV and £2000 towards the Kia EV6, and all EVs get a year of Kia Charge Plus discounted charging included

  • Find out more on these deals

Land Rover

  • The Land Rover Discovery Sport has a £2000 deposit contribution. The Land Rover Discovery starts at £689 a month and the Land Rover Defender 110 starts at £719

  • Find out more on these deals

Leapmotor

  • The Leapmotor T03 starts at £199 a month with a £199 deposit and £731 deposit contribution
  • The Leapmotor C10 starts at £399 a month with a £399 deposit and £1250 deposit contribution

  • Find out more on these deals

Lexus

  • Lexus has deposit contributions and 0% APR available on the Lexus RZ (£4500) and Lexus UX Electric (£4500)
  • Deposit contributions are also available on selected Lexus NX and Lexus UX models (£1000), and Lexus RX models (£1500-£4000)

  • Find out more on these deals

Mazda

  • The Mazda CX-5 is £289 a month with 0% APR, the Mazda CX-30 has £1750 towards your deposit, the Mazda CX-60 PHEV is 0% APR and has a £1200 deposit contribution, the Mazda MX-30 R-EV PHEV has a £3000 deposit contribution and the Mazda2 Hybrid has 0% APR

  • Find out more on these deals

Mercedes-Benz

  • Mercedes PCP discounts include the Mercedes A250e (£2000), Mercedes GLB (£2500), Mercedes CLA PHEV (£2550), Mercedes CLA (£3500), the Mercedes GLE (£6000), Mercedes GLS (£7500), Mercedes EQE Saloon (£9500) and Mercedes EQS Saloon (£9999)

  • Find out more on these deals

MG

  • The MG4 EV starts at £169 per month and the MG ZS EV starts at £309, both with 0% APR. The MG5 has £750-£1750 deposit contributions, the MG3 hybrid gets £250-£750, the MG ZS hybrid £500-£750 and the MG HS £250-£500

  • Find out more on these deals

MINI

  • Deposit contributions include the MINI Cooper Electric (£500), MINI Countryman (£750) and MINI Aceman (£1250)

  • Find out more on these deals

Nissan

  • The Nissan Juke has £750-£2000 towards deposits, the Nissan Qashqai £2500 and the Nissan X-Trail £2500-£4000
  • The Nissan Ariya is available with a £1500-£3000 deposit contribution and 0.99%-1.49% APR on PCP

  • Find out more on these deals

Omoda

  • The Omoda 5 is £249 a month with a £2009 deposit on a 48-month 0% APR deal
  • The electric Omoda E5 is £359 a month with a £5100 deposit and 0% APR

  • Find out more on these deals

Peugeot

  • Deposit contributions include the Peugeot 208 (£3050), Peugeot 2008 (£3450), Peugeot 308, Peugeot 408 and Peugeot 508 (£1750) and Peugeot e-408 (£1950)
  • Peugeot Switch Grant contributions are available on the Peugeot e-208 (£2600), Peugeot e-2008 (£3850), Peugeot e-308 (£1850), Peugeot e-3008 (0% APR) and Peugeot e-5008 (£1000 and 0% APR)

  • Find out more on these deals

Polestar

  • The Polestar 2 and Polestar 4 are 0% APR and £2000 off single motor models and £3000 of dual motor variants
  • The Polestar 3 is 0% APR and £4000 off dual motor models

  • Find out more on these deals

Range Rover

  • The Range Rover Evoque starts at £369 a month, the Range Rover Velar starts at £599 a month, and the Range Rover Sport starts at £719 a month. All have £3000 towards your deposit

  • Find out more on these deals

Renault

  • Deposit contributions on 48-month PCP include the Renault Captur (£750), Renault Clio and Renault Symbioz (£1500), Renault Austral (£2000) and Renault Rafale (£3000). All models are also available with 0% APR over 24 months
  • The new Renault 5 is 0% APR over two years or 3.9-5.9% APR and up to £500 deposit contribution over four years. The Renault Megane E-Tech (up to £2000) has 0% APR and the Renault Scenic E-Tech (up to £1750) is 2.9% APR over 48 months

  • Find out more on these deals

SEAT

  • Deposit contributions are available on the SEAT Ibiza (£1000), SEAT Ateca (£2000), SEAT Arona (£2500), SEAT Leon and SEAT Leon Estate (£3000)
  • All are 4.9% APR and buyers can add the car's first two services for £199

  • Find out more on these deals

Skoda

  • Deposit contributions are available on the Skoda Scala (£1500), Skoda Fabia and Skoda Kodiaq TSI and TDI (£1750), Skoda Kamiq (£2500), Skoda Karoq (£2750), Skoda Octavia (£3000) Skoda Superb (£3500) and Skoda Kodiaq PHEV (£4000)
  • The new Skoda Elroq and facelifted Skoda Enyaq are 0% APR over 36 months or have a £3000 contribution at 6.9% over 48 months
  • All models are also currently available with 0% APR on maximum 24-month terms

  • Find out more on these deals

Smart

  • Smart is currently offering the Smart #1 Pro+ electric SUV with a £2000 discount and 0% APR on PCP, making monthly payments £399 over 48 months with a £399 deposit

  • Find out more on this deal

Subaru

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

  • Find out more on these deals

Suzuki

  • The Suzuki Swift is available with 0% APR on a 25-month PCP with a minimum 20% deposit or over 49 months at 7.9% APR with a £500 deposit contribution and no minimum deposit
  • The Suzuki Vitara and Suzuki S-Cross are available with 0% APR on a 37-month PCP with a minimum 20% deposit or over 49 months at 7.9% APR with a £3000 deposit contribution
  • Discounts include Suzuki Swace (£2000), Suzuki Across (£2750)

  • Find out more on these deals

Tesla

  • The facelifted Tesla Model Y SUV is available from £399 with a £6100 deposit and 2.9% APR. Deliveries start in June
  • The Tesla Model 3 starts from £416 per month with £6950 deposit at 2.9% APR

  • Find out more on these deals

Toyota

  • PCP deposit contributions include the Toyota Aygo X (£300), Toyota Yaris hybrid (£800), Toyota Hilux, Toyota C-HR PHEV and Toyota RAV4 PHEV (£1500) and Toyota Corolla (£2000)
  • The Toyota bZ4X is available with 0% APR and a £2500 deposit contribution

  • Find out more on these deals

Vauxhall

  • Deposit contributions on PCP include the Vauxhall Corsa (£700-£3750), Vauxhall Frontera (£400), Vauxhall Mokka (£500-£2500), Vauxhall Astra (£500-£2500) and Vauxhall Grandland (£1000-£3500)
  • Opt for electric and contributions include the Vauxhall Corsa Electric (£500-£2000), Vauxhall Frontera Electric (£1000) and Vauxhall Mokka Electric (£1500-£3000)

  • Find out more on these deals

Volkswagen

  • Deposit contributions include the VW Polo (£1400), VW Tayron (£1500), VW Taigo and VW T-Cross (£1650), VW Tiguan (£1850), VW T-Roc and VW Golf (£3000), VW Passat (£4750) and VW Touareg (£6500)
  • 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 5.9% APR

  • Find out more on these deals

Volvo

  • Deposit contributions include the Volvo XC40 and Volvo V60 (£3000), and Volvo V90 PHEV (£7000)
  • EV discounts include the Volvo EX30 (£1000), Volvo EX40 (£4000) and Volvo EC40 (£5000)

  • Find out more on these deals

PCP car deals

Our round-up of the best car PCP deals highlights the deals we think are the best balance between a low deposit and affordable monthly payments. We update this page every week to make sure we bring you the best deals.

Renault Captur Evolution TCe 90

£157 a month: 2 year PCP at 0% APR

The Renault Captur has just been treated to a mid-life refresh, bringing a sharper look, new tech and plenty of equipment. Renault offers two PCP options. We've featured the 0% APR deal on an entry-level Captur, although the deposit is sizeable, but there is also a four-year, £249 a month option at 7.9% APR with a £3178 deposit to pay, and a £750 deposit contribution from Renault. Upgrade to a top-spec model, and the contribution increases to £1750.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£6509 24 x £157 (£3768) £11,428 £21,695 6000 31st March 2025

 

Audi A5 Saloon S Line TFSI 150PS S Tronic

£470 a month: 4 year PCP at 10.7% APR with £6675 deposit contribution

The Audi A5 Saloon has a tough job to do, as it has been charged with replacing both the A4 Saloon and A5 Coupe, while also introducing Audi's new naming structure, where EVs have even numbers and ICE-powered models odd. As a result, the A5 plays it safe with a classy interior, solid tech and understated design, and there's a decent deposit contribution and generous 10,000 miles a year mileage limit to this PCP deal, too.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£7251 47 x £470 (£22,090) £19,143 £48,494 10,000 31st March 2025

 

Kia Sportage Shadow

£256 a month: 3 year PCP at 5.9% APR, 2 years' free servicing and £1000 deposit contribution

The Kia Sportage is one of the best family SUVs on the market. And buyers tend to agree, as it's currently the best-selling new car in the UK. Try this Sportage Shadow, complete with black 19-inch wheels, black chrome detailing and front and rear heated seats, for size on a three-year PCP deal. Kia will chip in £1000 and give you free servicing for two years, too.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£8300 36 x £255.79 (£9208.44) £18,079 £36,587.44 10,000 31st March 2025

 

Volkswagen ID.3 Pro Match 59kWh 204PS

£320 a month: 4 year PCP at 5.9% APR with £6550 deposit contribution

The freshened up Volkswagen ID.3 is now available in Match spec, and there are two PCP deals available, both with the same deposit. The four-year option includes a large deposit contribution and lower monthlies, but you pay more in the long run. If you plan to buy, consider the three-year 0% APR instead.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£5497.50 47 x £320.48 (£15,062.56) £13,978.80 £41,098.86 10,000 31st March 2025

 

Ford Puma ST-Line 125PS

£342 a month: 3 year PCP at 3.9% APR with £500 deposit contribution

The Ford Puma has just celebrated becoming the UK's best-selling car for the second year in a row. 2024 also brought a facelift to Ford's much-loved small SUV, keeping the looks and tech fresh, while Ford has also been sweetening things by giving buyers £500 towards their deposits. Low APR and a decent 9000 miles per year limit are included, as is the promise to get your new car delivered in just a week.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£4632.50 36 x £342.06 (£12,314.16) £11,793 £29,259.52 9000 31st March 2025

 

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.