Best PCP car deals: April 2025

Looking for the best car finance deal for your budget? Using PCP finance means that rather than saving thousands of pounds to buy a new car outright, you pay a far smaller deposit, followed by a series of affordable monthly payments.

At the end of the agreement, simply hand the car back, pay the difference to own the car outright, or take out a new PCP agreement.

PCP finance is available on new and used cars, making it difficult to know which is the best deal to opt for, especially once you factor in narrowing down which car best meets your needs. We've done the hard work for you here and put together this list of great new and used cars that all offer excellent value for money with no shortage of quality for all sorts of different drivers.

Our best PCP deals list includes cars that are desirable as a second-hand purchase. This is key to unlocking a great PCP finance contract as the more the car is worth at the end of your deal, the lower your monthly payments will be.

See also

• 0% APR car deals
• Best cars for £99 a month
• Nearly new car deals
• Best car leasing deals
• Zero deposit finance deals
• Best car subscriptions
• Best electric car finance deals
• Best van finance deals
• New cars with free insurance
• All car finance deals

Best PCP car finance deals A-Z

Our PCP car finance top picks

Dacia Duster

The deal Dacia Duster Expression Hybrid 140 from £108 a month on 25-month PCP at 4.9% APR with a minimum customer deposit of 25%

The all-new Dacia Duster is starting to hit UK roads, and with it, Dacia is offering some enticing deals on its latest value-packed model. For just £108 a month, you don't just get an entry-level Duster Essential, but you'd be getting behind the wheel of a mid-range 140PS Duster Hybrid Expression, with equipment including 17-inch alloy wheels and a rear parking camera fitted as standard. The slight catch is the minimum 25% deposit of £6,208 and the fact that you're limited to 6,000 miles per year.

An alternative deal is offered for the same car on a 48-month term at 7.9% APR. This requires just a £347 deposit and then costs £347 per month, although you're still limited to 6,000 miles a year.

Dacia Duster Expression Hybrid 140
Price: £24,830 or £108 a month
Annual mileage limit: 6,000
Deposit: £6,208
Monthly payments: 24 x £108 (£2,592)
Optional final payment: £17,837
Total payable: £26,648
APR representative: 4.9%
PCP agreement length: 25 months
Deal available until: 30th June 2025
See this deal

Read our used Dacia Duster review here

Mazda CX-5

The deal Mazda CX-5 Centre-Line for £289 a month on 48-month PCP at 0% APR

The Mazda CX-5 is something of a left-field choice on the world of family SUVs. However, if you dare to stray from predictable choices like a Nissan Qashqai or Kia Sportage, you'll be rewarded with a family car that's good to drive, comfortable and features a very nicely made and luxurious interior. Very well equipped as standard, too, this deal is for an entry-level CX-5 Centre-Line. It requires a deposit of less than £6,000, and costs just £289 a month on a four-year agreement. Mileage is capped at 8,000 per year.

Mazda CX-5 Centre-Line
Price: £31,980 or £289 a month
Annual mileage limit: 8,000
Deposit: £5,931.86
Monthly payments: 47 x £289 (£13,583)
Optional final payment: £12,465
Total payable: £31,980
APR representative: 0%
PCP agreement length: 48 months
Deal available until: 30th June 2025
See this deal

Read our Mazda CX-5 review here

Volkswagen Golf

The deal Volkswagen Golf Match for £310 a month on four-year PCP with 7.9% APR and £3,000 deposit contribution

The latest Volkswagen Golf sent minor shockwaves across the car world as its user experience wasn't becoming of the car's all-conquering reputation. However, a mid-life facelift has cured much of the issue and sharpened the looks, too, making the Golf once again a car that should be right at the top of any family hatchback shortlist.

This deal helps, too, as it include a £3,000 deposit contribution across the range. We've picked a Golf Match for its all-round appeal, which starts from just under £310 a month on a four-year deal that includes 10,000 miles per year.

Volkswagen Golf Match 1.5 TSI 115PS
Price: £28,185 or £309.46 a month
Annual mileage limit: 10,000
Deposit: £4,227.75
Monthly payments: 47 x £309.46 (£14,544.62)
Optional final payment: £11,374.20
Total payable: £33,156.57
APR representative: 7.9%
PCP agreement length: 48 months
Deal available until: 30th June 2025
See this deal

Read our latest VW Golf review here

Nissan Qashqai

The deal Nissan Qashqai 1.3 DiG-T 140PS N-Connecta for £328 a month on 48-month PCP at 4.49% APR with a £2,500 deposit contribution

The Nissan Qashqai is a smart-looking car, thanks in part to last year's facelift, and it’s roomy enough for family life. The Qashqai's appeal continues thanks the fact that all models are packed with high-tech equipment as standard, and the car is relatively comfortable to drive. It has plenty of safety kit, too, and the 1.3-litre petrol engine is both punchy and efficient.

Nissan's deposit contributions and APR vary depending on the model, with this N-Connecta deal saving £2,500, while the firm now offers its monthly rates based on a more representative 10,000 miles a year, rather than 6,000 as before.

Nissan Qashqai 1.3 DiG-T 140PS N-Connecta
Price: £33,085 or £328 a month
Annual mileage limit: 10,000
Deposit: £5,000
Monthly payments: 48 x £328 (£15,744)
Optional final payment: £14,254
Total payable: £37,478
APR representative: 4.49%
PCP agreement length: 49 months
Deal available until: 30th June 2025
See this deal

Read our latest Nissan Qashqai review here

Audi A5 Saloon

The deal Audi A5 Saloon S line TFSI 150PS S Tronic for £479 a month on four-year PCP at 10.7% APR with £6,675 deposit contribution

The Audi A4 Saloon and Audi A5 Coupe have both now departed, replaced by a single new model. Called the A5, but more saloon than coupe in looks, the new car gets off to a slightly middle of the road start from an exterior design point of view. However, the interior is a real highlight, as it's extremely comfortable, simple to operate and feels very nicely made. The new A5 is good to drive, too, and you can give it a try with this four-year PCP deal that includes a large deposit contribution to keep the monthly payments manageable and 10,000 miles per year.

Audi A5 Saloon S line TFSI 150PS S Tronic
Price: £45,535 or £479 a month
Annual mileage limit: 10,000
Deposit: £7,583
Monthly payments: 47 x £479 (£22,513)
Optional final payment: £19,143
Total payable: £49,249
APR representative: 10.7%
PCP agreement length: 48 months
Deal available until: 30th June 2025
See this deal

Read our used Audi A4 review here

Is buying a car on PCP a good idea?

There are advantages and disadvantages of financing your new or used car using a PCP agreement. On the plus side, PCP gives you significant flexibility by allowing you to choose the length of the agreement, usually from 2 to 5 years. The deposit and mileage allowance can be adjusted to suit your needs and budget, too.

Even if you cancel the agreement, you don't have to worry about the car's depreciation, as that's only your concern if you opt to buy the car at the end of your deal.

Come the end of the agreement, you can give the car back, sign up for a new deal, or pay off the outstanding balance and buy the car. You only have to decide which of these to opt for when you're nearing the end of your agreement. That balloon payment can be refinanced too. It's this flexibility that makes PCP the most popular way of buying a car in the UK right now.

The negatives mean that you're liable for any damage beyond fair wear and tear, exceeding any mileage allowance. It will cost you to end your PCP deal early. You'll also be charged a higher interest rate if your credit score isn't good.

As with any major purchase, it's up to you to balance the positive and negatives. Only you can decide if a particular way of financing the deal is right for you.

What are the negatives of PCP?

PCP is the most common type of financing used to get behind the wheel of a new car in the UK. It's affordable, flexible and very widely available. However, it does come with some downsides.

When you take out a PCP agreement, the contract will include a definition of what fair wear and tear to the car means. Anything beyond this is up to you to pay to fix come the end of your contract. Likewise, you'll agree a certain limit on mileage and a fee per mile to pay for exceeding that limit. These are usually agreed as an annual mileage, but generally only charged at the end of your contract.

Also in your contract will be the cost for ending your agreement early. This is usually possible, however, a number of conditions often need to be met, including that you've paid at least 50% of the finance contract, meaning that getting out of your PCP early can be a very expensive option.

PCP finance is available to a wide range of people, including those with less good credit scores. However, if you're in this position, it's likely that you'll be charged a higher interest rate.

For some people, owning the car outright is important. However, you won't actually own the car you're financing with PCP unless you pay the outstanding balloon payment when your agreement finishes. Until this point, it remains the property of the finance company.

What is the average monthly car payment?

As ever, the answer to this question depends on lots of factors, including the type of car you're financing, how many miles you're planning to drive, the length of the finance agreement and the interest charged. However, towards the end of 2023, the average cost across all PCP deals in the UK was around £430 per month.

The UK's top-selling car in 2024 was the Ford Puma and this is currently offered in entry-level Titanium spec on PCP for £331 per month, or in mid-range ST-Line spec for £362 a month. Both are 3.9% APR and include a 9,000 miles per year limit and £500 deposit contribution.

Is PCP cheaper than leasing?

The answer to this question will depend on your specific deal and it's always important to compare like for like before making a decision to sign on the dotted line. As a general rule, a PCP costs more over the equivalent length of lease deal because you're paying for the flexibility of being able to buy the car at the end of the deal.

It's worth establishing whether you're likely to treat your PCP like a PCH leasing deal, and switch to a new car rather than paying to take ownership. If this is the case, a lease generally works out cheaper, especially if you don't drive many miles, as the PCP agreement works like a loan that you have to pay interest on, which you don't with a PCH.

It's also worth looking at financing a used car on PCP versus taking out a lease on a new car, as the former is often the cheaper bet. As ever, it's important to compare your options side by side before going ahead.