You want a car, you want to pay in monthly instalments, right? Right. You’re in good company with the vast majority of other motorists, and even better news – there are loads of great options out there.
All of these deals are PCP or contract hire, which involves paying a deposit, splitting the monthly payments over a set number of years, and - if you've opted for PCP - the option of stumping up a balloon payment to buy the car at the end of the term. Have a read of our PCP vs contract hire guide to find out which one will work best for you.
And when you've done that, here's our round-up of the best finance offers out there, and there's something for everyone no matter your budget and motoring needs.
Audi TT 1.8 TFSI S Line: £309, £2000 deposit, contract hire
Audi is offering £4000 deposit contribution towards the Audi TT if you buy on PPC finance at the moment, so check out that £299 per month deal if you’re thinking of buying the car eventually. If you’re not bothered about getting your name on the V5, Audi’s contract hire deal will see you into the car for £309 per month following an £1854 deposit, based on a 10,000 mile annual limit over a three year contract. It’s a smart, lovely coupe that’s oozing desirability and will also be really affordable to run. Find out more on Audi’s official offers page.
Audi A4 2.0 TDI 190 Sport Ultra: £299pm, £1794 deposit, contract hire
The Audi A4 is the best car in its class at the moment, particularly thanks to fantastic refinement and a top notch interior. This diesel option will be about as frugal as the A4 gets, so you can expect real-world economy of over 50mpg in varied use.
This contract hire deal is over three years, and assumes a 10,000 mile annual allowance. Find out more on the official Audi website.
BMW 118d Sport 5dr: £258pm, £2500 deposit, contract hire
The BMW 1 Series is a popular hatch, which offers great handling and the all-important brand kudos in a really affordable package. This three year contract hire deal has a mileage allowance of 10,000 miles, but it'll only cost an extra £8 per month to up that to 12,000 miles per year if you wish. With a claimed economy of 65.7mpg, the 118d should keep fuel costs right down, too, and monthly costs of £258 after a £2500 deposit are really competitive. Find out more about this deal on the official BMW site.
Citroen C3 Aircross 1.2 82 Feel: £189pm, £2000 deposit, 3yr PCP
The C3 Aircross offers properly stand-out looks with lots of personalisation options, in a small car with an appealing dose of SUV ride height and rugged robustness. It’s cheap to run, and cheap to finance, too. Put down £2000 and the manual 1.2 82 Feel model will cost £189per month over three years. Citroen will throw in a £600 deposit contribution, too, which goes some way to offsetting the £1483 interest charge that applies to the contract. Find out more on Citroen’s official offers page.
Jaguar XF 2.0d R-Sport: £4055 off, £349pm on PCP, £6.9k deposit
It’d be very easy to argue that the Jaguar XF is the prettiest of the big executive saloon bunch, and it’s also about the most satisfying to drive. Add to that the frugal, 188bhp automatic diesel powertrain in this model and it’s hard to see why you wouldn’t want it. Especially when Jag will give you £4055 off the list price, which brings monthly payments down to £349 per month. This three year PCP deal is subject to 4.9% interest, though, and if you choose to buy the car it’ll s pretty lofty at £16,724. Find out more on Jaguar’s official offers page.
Mercedes CLA 220 d AMG Line Shooting Brake: £3150 off, £354pm on PCP, £5.4k deposit
The CLA 220 d auto Shooting Brake is a slick-looking compact estate that’s oozing kerbside appeal, yet will be cheap to fuel and easy to live with. Plus, Merc will throw in £3k off the price if you go for PCP finance, which will bring monthly payments over four years in at £354, and the balloon payment at the end of the contract to £13,375 if you want to buy the car. That’s including interest at 4.9%, mind, and you’ll be charged at 10.8p for every mile you go over the 10,000 per annum mileage allowance. It’s a very posh car for a not very posh amount of money. Find out more on Mercedes’ official offers page.
Renault Kadjar Dynamique Nav TCe 130: 0% interest, £199pm, £5k deposit
The Renault Kadjar is basically a Nissan Qashqai in different clothes and with a lower price. The 1.2 TCe sounds like a small engine for a big car, but it’s more than within its comfort zone, and is quiet and efficient. This spec also includes sat-nav and all the comforts you’d want in a spacious family soft-roader, and with a £5k deposit down on a three year PCP contract, you’ll pay £199 per month. And if you want to buy it at the end of that period, it’ll cost you a lump sum of £8,630. Find out more on Renault’s official offers page.
Skoda Citigo 3dr 1.0 60 Colour Edition: £169pm, £169 deposit on PCP
The dinky Skoda Citigo is a brilliant city car. Sure, this is the least powerful engine, so it's going to feel a bit wheezy on the motorway but it still shrugs off traumatic city traffic and parking bedlam with no worries. Plus, this one comes in a selection of fun colours with reasonable equipment, and it'll only cost you £169 up front, and another £169 per month for the following 42 months on a PCP contract, with low 2.9% APR interest and a £1000 deposit contribution from the dealer. It'll cost you £3142 if you choose to buy the car at the end of the contract. Find out more on the official Skoda website.
Suzuki Vitara SZ-T: No deposit, no interest, £278pm on PCP
This sort of deal is a win-win. The Vitara is a great compact SUV, which you can have with a funky contrast roof, and which drives with the sort of light-footed yet reassuringly stable manners that you look for in this class. It's also well equipped as standard and the 1.6 petrol engine is peppy and easy to live with. So being able to get it for £278 per month, without having to put down any deposit at all, and paying no interest, is a stonking deal. That's with 10,000 miles per annum factored in, and if you want to buy the car after the three year contract is up, it'll cost you £7486. Find out more about this deal on the official Suzuki website.