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Guide

Great cars on PCP deals

The PCP – or Personal Contract Purchase – is a very popular way of buying a new car. Here are some of the best cars you can buy on a PCP deal.

Words by: Last updated: 3rd May 2019
Car finance is getting ever more popular these days, because it can make buying a new car more affordable. There are some great deals to be had on some really great cars, but knowing where to look can be tricky. That’s why we’ve done the hard work for you.

We’ve scoured the web to find PCP (Personal Contract Purchase) deals on all kinds of cars, from sports cars to SUVs, from hatchbacks to hybrids. We’ve broken them down into the kinds of cars you might be looking for, and for every recommendation, there’s a link to the manufacturers current deal, and our review of the car. Happy hunting…

See family car deals
See SUV deals
See hatchback deals
See city car deals
See small car deals
See sports car deals
See convertible car deals
See saloon car deals
See coupe deals
See hybrid car deals
See electric car deals
See MPV deals
See estate car deals
See pick-up truck deals
Family cars

Families come in all shapes and sizes, and so do family cars. The best family cars have space, practicality and comfort in abundance, and a decent smattering of style and luxury kit doesn’t go amiss, either.
Dacia Duster
The Dacia Duster gives you family car practicality and SUV style for a supermini outlay. A great option for buyers on a budget.

PCP Representative Example:
Dacia Duster Access SCe 115 4x2
Monthly Payment amount: £109.00
Number of monthly payments: 48
Duration of agreement: 49 months
Average miles per year: 6,000
Annual Interest rate: 6.90% fixed
Representative APR: 6.90%
Cash Price: £9,995.00
Deposit: £1,446.00
Deposit contribution: £0.00
Amount of credit: £8,549.00
Optional final payment: £5,213.00
Fees: £0.00
Total amount payable: £11,891.00
Date of deal: 26/02/2019

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Peugeot 3008
The Peugeot 3008 looks fab, is great to drive and has all the space, practicality and equipment that a family needs.

PCP Representative Example:
3008 SUV Allure 1.2 PureTech 130
Monthly Payment amount: £256.23
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 6,000
Annual Interest rate: 5.90% fixed
Representative APR: 5.90%
Cash Price: £26,375.00
Deposit: £5,875.00
Deposit contribution: £0.00
Amount of credit: £20,620.00
Optional final payment: £12,400.00
Fees: £0.00
Total amount payable: £30,317.81
Date of deal: 26/02/2019

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Skoda Superb Estate
The Skoda Superb Estate is as massive in the passenger compartment as it is in the luggage bay, and it’s also fantastic value for money.

PCP Representative Example:
Superb Estate SE 1.5 TSI 150PS
Monthly Payment amount: £300.30
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 5.45% fixed
Representative APR: 5.50%
Cash Price: £24,960.00
Deposit: £2,496.00
Deposit contribution: £3,000.00
Amount of credit: £19,464.00
Optional final payment: £8,345.70
Fees: £10.00 Option to purchase fee
Total amount payable: £27,965.80
Date of deal: 26/02/2019

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Seat Tarraco
The Tarraco has the same impressive list of attributes as the Skoda Kodiaq with which it shares, well, pretty much everything, but with its own style.

PCP Representative Example:
Tarraco SE 1.5 TSI Evo 150PS
Monthly Payment amount: £300.30
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 6.38% fixed
Representative APR: 6.40%
Cash Price: £28,320.00
Deposit: £1,416.00
Deposit contribution: £1,750.00
Amount of credit: £25,154.00
Optional final payment: £10,621.80
Fees: £10.00 Option to purchase fee
Total amount payable: £32,828.10
Date of deal: 26/02/2019

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Ford Galaxy
The Galaxy isn’t just a massive and spacious seven-seater, it’s also comfortable and enjoyable to drive. A great choice for the large family.
PCP Representative Example:

PCP Representative Example:
Galaxy Titanium 1.5L Ford EcoBoost 165PS 6 speed manual (with DAB Navigation system)
Monthly Payment amount: £472.63
Number of monthly payments: 38
Duration of agreement: 38 months
Average miles per year: 9,000
Annual Interest rate: 0.00%
Representative APR: 0.00%
Cash Price: £32,395.00
Deposit: £350.00
Deposit contribution: £0.00
Amount of credit: £28,994.94
Optional final payment: £11,035.00
Fees: £0.00
Total amount payable: £30,244.94
Date of deal: 01/03/2019

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SUVs

The relentless march of the SUV continues; car makers keep on making them, and car buyers keep on buying them. And when they provide such an appealing mix of rugged style and family-friendly practicality, that’s no surprise whatsoever.
Skoda Kodiaq
Skoda’s big seven-seat SUV has become immensely popular, and with great practicality, impressive quality and civilised driving manners, it’s easy to see why.

PCP Representative Example:
Kodiaq SE (5 seats) 1.5 TSI 150PS
Monthly Payment amount: £308.15
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 5.45% fixed
Representative APR: 5.50%
Cash Price: £25,770.00
Deposit: £2,577.00
Deposit contribution: £2,000.00
Amount of credit: £21,193.00
Optional final payment: £10,072.80
Fees: £10.00 Option to purchase fee
Total amount payable: £29,142.85
Date of deal: 26/02/2019

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Porsche Macan
The Macan is definitely the sporty choice among the current crop of SUV, and it’ll whip around corners with a level of agility that’ll shame most hot hatches. Great fun.

PCP Representative Example:
Porsche Macan PDK
Monthly Payment amount: £548.70
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 7.1% fixed
Representative APR: 7.1%
Cash Price: £47,229.00
Deposit: £4,722.90
Porsche contribution: £0.00
Amount of credit: £42,506.10
Optional final payment: £30,845.55
Fees: £10.00 final rental purchase fee
Total amount payable: £54,782.95
Date of deal: 01/03/2019

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Volvo XC90
Chic styling inside and out, a civilised driving experience, loads of tech and seven-seat practicality. Just a few of the reasons that the XC90 is one of our favourite SUVs.

PCP Representative Example:
XC90 Inscription T5 Auto
Monthly Payment amount: £726.96
Number of monthly payments: 36
Duration of agreement: 36 months
Average miles per year: 8,000
Annual Interest rate: 2.25% fixed
Representative APR: 4.90%
Cash Price: £54,335.00
Deposit: £3,000.00
Deposit contribution: £1,000.00
Amount of credit: £50,335.00
Optional final payment: £30,137.25
Fees: £0.00
Total amount payable: £60,307.81
Date of deal: 26/02/2019

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Toyota C-HR
The Toyota C-HR marks itself out from its myriad SUV rivals with its sharp styling, and the hybrid version makes a very compelling financial case, especially for company car drivers.

PCP Representative Example:
C-HR Design 1.2 Petrol Turbo Automatic
Monthly Payment amount: £427.92
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 8,000
Annual Interest rate: 1.38% fixed
Representative APR: 1.90%
Cash Price: £26,960.00
Deposit: £1,000.00
Deposit contribution: £0.00
Amount of credit: £25,960.00
Optional final payment: £12,060.00
Fees: £0.00
Total amount payable: £28,037.20
Date of deal: 26/02/2019

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Audi Q7
The Audi Q7 is a terrific all-rounder. It’s stylish and desirable, comfortable and quiet on the road and has all of Audi’s trademark quality. Seven-seat practicality completes the package.

PCP Representative Example:
Q7 Sport 45 TDI quattro 231PS Tiptronic
Monthly Payment amount: £733.01
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 4.86% fixed
Representative APR: 4.90%
Cash Price: £53,250.00
Deposit: £5,325.00
Deposit contribution: £3000.00
Amount of credit: £44,925.00
Optional final payment: £24,228.80
Fees: £0.00
Total amount payable: £58,219.15
Date of deal: 26/02/2019

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Hatchbacks

Hatchbacks have traditionally been a favourite with British car buyers, meaning there’s no shortage of choice. From tiny city cars to large executive cars, hatchbacks come in a variety of sizes. And, there are deals to be had on many of them.
Skoda Citigo
The Citigo is the cheapest of the Volkswagen Group’s trio of city cars (also including the Seat Mii and VW Up), but it lacks nothing in style, quality or driver appeal. A cracking little car.

PCP Representative Example:
Citigo SE 1.0MPI 60PS GreenTech
Monthly Payment amount: £132.12
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 6.74% fixed
Representative APR: 6.80%
Cash Price: £10,510.00
Deposit: £1,051.00
Deposit contribution: £1,500.00
Amount of credit: £7,959.00
Optional final payment: £3,237.30
Fees: £10.00 Option to purchase fee
Total amount payable: £12,007.94
Date of deal: 26/02/2019

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Ford Fiesta
The Ford Fiesta is stylish, affordable and reasonably practical, but where it really sets itself apart from rivals is that it’s absolutely fabulous to drive. Fun and comfortable in equal measure.

PCP Representative Example:
Fiesta Style 3 door 1.1 Ti-VCT 70PS 5spd
Monthly Payment amount: £263.44
Number of monthly payments: 36
Duration of agreement: 37 months
Average miles per year: 9,000
Annual Interest rate: 4.74% fixed
Representative APR: 6.80%
Cash Price: £13,965.00
Deposit: £1,396.00
Deposit contribution: £0.00
Amount of credit: £12,569.00
Optional final payment: £4,874.00
Fees: £10.00 option to purchase fee, £10 finance facility fee
Total amount payable: £15,773.88
Date of deal: 26/02/2019

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Volkswagen Golf
The Volkswagen Golf is the ultimate box-ticker, because it’s extremely difficult to fault in any single area. It also happens to excel in most of them, making it a fabulous all-rounder.

PCP Representative Example:
Golf SE Navigation 1.0 TSI 115PS 6spd manual 3dr
Monthly Payment amount: £237.12
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 3.58% fixed
Representative APR: 3.60%
Cash Price: £20,405.00
Deposit: £2,040.00
Deposit contribution: £1,500.00
Amount of credit: £16,864.40
Optional final payment: £7,446.60
Fees: £10.00 Option to purchase fee
Total amount payable: £22,141.84
Date of deal: 26/02/2019

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Audi A3 Sportback
The Audi A3 is available as a saloon, a convertible, a three-door hatchback and a five-door hatchback, known as the Sportback. For our money, the Sportback is the best of the bunch, providing class, comfort, quality, along with extra practicality.

PCP Representative Example:
A3 Sportback SE Technik 30 TFSI 116 PS 6-speed
Monthly Payment amount: £264.58
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 5.85% fixed
Representative APR: 5.90%
Cash Price: £22,190.00
Deposit: £2,219.00
Deposit contribution: £3,500.00
Amount of credit: £16,471.00
Optional final payment: £9,438.25
Fees: £10.00 Option to purchase fee
Total amount payable: £24,427.55
Date of deal: 26/02/2019

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Seat Ibiza
Seat’s supermini offering delivers all the style and driver appeal that buyers demand, and delivers it for a bargain pricetag. Great value for money.

PCP Representative Example:
Ibiza 5dr SE 1.0 TSI 95PS
Monthly Payment amount: £231.30
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 6.57% fixed
Representative APR: 6.60%
Cash Price: £15,965.00
Deposit: £800.00
Deposit contribution: £1,750.00
Amount of credit: £13,415.00
Optional final payment: £4,923.90
Fees: £10.00 Option to purchase fee
Total amount payable: £18,355.00
Date of deal: 26/02/2019

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City cars

City cars may be small, but that doesn’t mean they’re not big on ability. The best city cars are stylish, swanky and surprisingly spacious, and the very best are also fun yet comfortable to drive.
Peugeot 108
The Peugeot 108 is a stylish option in the city car class, and its looks can also be customised to your heart’s content. It’s also competitively priced and should be very reliable.

PCP Representative Example:
108 Active 1.0 72 3dr
Monthly Payment amount: £118.98
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 6,000
Annual Interest rate: 6.90% fixed
Representative APR: 6.90%
Cash Price: £11,430.00
Deposit: £2,562.00
Deposit contribution: £1,651.00
Amount of credit: £7,337.00
Optional final payment: £3,173.00
Fees: £0.00
Total amount payable: £12,978.06
Date of deal: 26/02/2019

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Volkswagen Up
Not only is the Up one of the more stylish city cars out there, it’s also one of the most desirable, thanks to its sought-after badge and posh-feeling cabin.

PCP Representative Example:
Move Up 1.0 60PS 5spd 3dr manual
Monthly Payment amount: £157.39
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 0% fixed
Representative APR: 0%
Cash Price: £10,910.00
Deposit: £1,636.50
Deposit contribution: £0.00
Amount of credit: £9,273.50
Optional final payment: £3,764.70
Fees: £0.00
Total amount payable: £10,910.00
Date of deal: 26/02/2019

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Hyundai i10
The i10 is a great little car to drive, and it’s also very practical for a city car. Throw in the affordable prices and great warranty, and it looks even more appealing.

PCP Representative Example:
i10 SE 1.0 67PS petrol manual
Monthly Payment amount: £116.09
Number of monthly payments: 36
Duration of agreement: 37 months
Average miles per year: 10,000
Annual Interest rate: 2.52% fixed
Representative APR: 4.9%
Cash Price: £10,400.00
Deposit: £2,600.00
Deposit contribution: £500.00
Amount of credit: £7,300.00
Optional final payment: £3,957.38
Fees: £0.00
Total amount payable: £11,236.62
Date of deal: 26/02/2019

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Fiat 500
The 500 is one of the oldest cars in the city car class, but it’s still one of the most desirable thanks to its chic retro styling and cool Italian image.

PCP Representative Example:
500 Pop 1.2 E6d
Monthly Payment amount: £199.00
Duration of agreement: 37 months
Average miles per year: 6,000
Annual Interest rate: 0.00% fixed
Representative APR: 0.00%
Cash Price: £12,010.00
Deposit: £0.00
Deposit contribution: £0.00
Amount of credit: £12,010.00
Optional final payment: £4,846.00
Fees: £0.00
Total amount payable: £12,010.00
Date of deal: 26/02/2019

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Smart Fortwo Cabriolet
Style and city-friendly manoeuvrability are key to the Smart’s appeal, as is the fact you can get two of them in your average parking space. Also the only city car to offer genuine open-top motoring.

PCP Representative Example:
Smart Fortwo Cabrio passion 71 hp manual (with optional metallic body panels)
Monthly Payment amount: £195.00
Duration of agreement: 48 months
Average miles per year: 7,000
Annual Interest rate: 1.95% fixed
Representative APR: 2.0%
Cash Price: £13,850.00
Deposit: £195.00
Deposit contribution: £162.15
Amount of credit: £13,492.85
Optional final payment: £4,860.00
Fees: £10.00 purchase activation fee
Total amount payable: £14,587.15
Date of deal: 26/02/2019

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Small cars

Small cars still sell better than any other kind. People love their manoeuvrability and their relative economy, and small cars often do a good line in style, fun and practicality as well.
Dacia Sandero
The fact that the Sandero is the cheapest new car on sale today instantly gives it a certain sort of appeal, but there’s more to it than that, with impressive space and easy-going driving manners also on its list of attributes.

PCP Representative Example:
Sandero Essential SCe 90
Monthly Payment amount: £99.00
Number of monthly payments: 48
Duration of agreement: 49 months
Average miles per year: 6,000
Annual Interest rate: 6.9% fixed
Representative APR: 6.9%
Cash Price: £8,795.00
Deposit: £1,278.00
Deposit contribution: £250.00
Amount of credit: £7,267.00
Optional final payment: £3,530.00
Fees: £0.00
Total amount payable: £10,290.00
Date of deal: 26/02/2019

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Volkswagen Up GTI
The standard Up is a really enjoyable little car to drive, and the racier GTI version kicks things up a notch. It’s a hoot to throw around, it looks fab and it’s nowhere near as pricey as you might think.

PCP Representative Example:
Up GTI 1.0 115PS 6spd 3dr manual
Monthly Payment amount: £219.06
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 6.7% fixed
Representative APR: 6.7%
Cash Price: £14,315.00
Deposit: £1,431.42
Deposit contribution: £0.00
Amount of credit: £12,883.58
Optional final payment: £4,949.40
Fees: £10.00 option to purchase fee
Total amount payable: £16,683.64
Date of deal: 26/02/2019

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Kia Picanto
The Picanto is a really good all-rounder in the city car class, with good driving manners, good quality, good practicality and good value. It’s the untouchable seven-year warranty that really sets it apart, though.

PCP Representative Example:
Picanto 2 1.0 manual
Monthly Payment amount: £162.56
Duration of agreement: 37 months
Average miles per year: 10,000
Annual Interest rate: 3.04% fixed
Representative APR: 5.90%
Cash Price: £11,075.00
Deposit: £1,107.50
Deposit contribution: £1,000.00
Amount of credit: £8,967.50
Optional final payment: £4,300.50
Fees: £0.00
Total amount payable: £12,260.16
Date of deal: 26/02/2019

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Renault Captur
It may be small, but the Renault Captur SUV is still really practical, one the most practical cars of its type. It also looks great and is comfortable and relaxing to drive.

PCP Representative Example:
Captur Play TC3 90
Monthly Payment amount: £199.00
Duration of agreement: 49 months
Average miles per year: 6,000
Annual Interest rate: 0.00% fixed
Representative APR: 0.00%
Cash Price: £15,725.00
Deposit: £199.00
Deposit contribution: £0.00
Amount of credit: £15,526.00
Optional final payment: £5,974.00
Fees: £0.00
Total amount payable: £15,725.00
Date of deal: 26/02/2019

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Mini Hatch
The Mini has always been effortlessly cool, and always been a symbol of fun thanks to its cheeky character and nimble handling. The latest Mini is no different, and chucks in impressive quality and tech as well.

PCP Representative Example:
Mini Hatch One 3-door Classic
Monthly Payment amount: £199.00
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 3.9% fixed
Representative APR: 3.9%
Cash Price: £16,190.00
Deposit: £2,000.00
Deposit contribution: £500.62
Amount of credit: £13,689.38
Optional final payment: £5,846.93
Fees: £0.00
Total amount payable: £17,700.55
Date of deal: 26/02/2019

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Sports cars

There’s just one thing a sports car needs to deliver to be considered a success, and that’s fun. However, the best sports cars deliver far more besides, things like sleek looks, a classy interior and a desirable image.
Mazda MX-5
There’s a reason that the MX-5 is the world’s best-selling open-top sports car; because it’s really good fun. However, buyers also love its sharp looks, impressive reliability and compelling financial proposition.

PCP Representative Example:
Mazda MX-5 132 SE+
Monthly Payment amount: £219.00
Number of monthly payments: 42
Duration of agreement: 43 months
Average miles per year: 9,000
Annual Interest rate: 2.11% PA
Representative APR: 4.10%
Cash Price: £20,285.00
Deposit: £3,271.00
Deposit contribution: £1,750.00
Amount of credit: £15,264.00
Optional final payment: £7,735.00
Fees: £0.00
Total amount payable: £21,954.00
Date of deal: 11/04/2019

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Jaguar F-Type Convertible
The F-Type is the spiritual successor to Jaguar’s famed E-Type, and like that car, gives buyers glamorous looks and sports car thrills, all for a relatively affordable price.

PCP Representative Example:
F-TYPE R-Dynamic Convertible 2.0 300 RWD Auto
Monthly Payment amount: £599.00
Number of monthly payments: 36
Duration of agreement: 37 months
Average miles per year: 10,000
Annual Interest rate: 5.75% fixed
Representative APR: 5.90%
Cash Price: £61,490.00
Deposit: £10,870.00
Deposit contribution: £6,620.00
Amount of credit: £44,000.00
Optional final payment: £28,924.00
Fees: £10.00
Total amount payable: £67,978.00
Date of deal: 11/04/2019

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Honda Civic Type R
Not your textbook sports car, perhaps, but the Type R delivers as much excitement as anything else on the list. Fast, frenetic and fun, it’s one of the very best hot hatches on the market.

Honda Civic Type R GT 2.0 VTEC Turbo Manual with solid paint
Monthly Payment amount: £319.00
Number of monthly payments: 36
Duration of agreement: 37 months
Average miles per year: 10,000
Annual Interest rate: 5.77% fixed
Representative APR: 5.90%
Cash Price: £33,550.00
Deposit: £8,631.43
Deposit contribution: £0.00
Amount of credit: £24,918.57
Optional final payment: £17,194.87
Fees: £10.00
Total amount payable: £37,320.30
Date of deal: 11/04/2019

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Porsche 911
Whenever somebody mentions a sports car, this is probably the one you think of. Its appeal certainly hasn’t waned over the last fifty-odd years, either and the latest one is simply sensational.

PCP Representative Example:
Porsche 911 992 Coupe Carrera S PDK
Monthly Payment amount: £1,180.04
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 6.94% fixed
Representative APR: 6.9%
Cash Price: £94,445.00
Deposit: £9,444.50
Deposit contribution: £0.00
Amount of credit: £85,000.50
Optional final payment: £58,204.60
Fees: £10.00
Total amount payable: £108,960.50
Date of deal: 18/04/2019

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Alpine A110
Any car that can go toe-to-toe with a Porsche Cayman and not be utterly humiliated is definitely the real deal. The A110 is absolutely sensational on the road, and it also has sleek looks and surprising efficiency in its favour.

PCP Representative Example:
Alpine A110 Pure
Monthly Payment amount: £389.00
Number of monthly payments: 48
Duration of agreement: 49 months
Average miles per year: 10,000
Annual Interest rate: 5.90% fixed
Representative APR: 5.90%
Cash Price: £46,910.00
Deposit: £10,289.00
Deposit contribution: £0.00
Amount of credit: £36,621.00
Optional final payment: £25,244.00
Fees: £0.00
Total amount payable: £54,204.00
Date of deal: 11/04/2019

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Convertibles

The UK buys more convertibles than any other country in Europe, despite having worse weather than most of them. Buyers love the glamour of a soft-top, and it helps than many of them are fun to drive as well.
Audi A3 Cabriolet
The A3 Cabriolet is a genuine four-seat convertible, meaning you can bring three of your mates along to enjoy some open-air thrills. It also looks great and delivers a very polished dynamic experience.

PCP Representative Example:
A3 Cabriolet Sport 35 TFSI 150 6-speed
Monthly Payment amount: £393.60
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 5.85% fixed
Representative APR: 5.90%
Cash Price: £30,520.00
Deposit: £3,052.00
Deposit contribution: £3,750.00
Amount of credit: £23,718.00
Optional final payment: £13,110.00
Fees: £10.00
Total amount payable: £33,698.00
Date of deal: 11/04/2019

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Mercedes SL
The SL may only have two seats, but it’s a big, luxurious touring convertible that’s perfect for blasting across continents in comfort. Chuck your bags in and you’ve got a ready-made weekend away.

PCP Representative Example:
SL 400 AMG Line
Monthly Payment amount: £807.33
Number of monthly payments: 48
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 6.23% fixed
Representative APR: 6.40%
Cash Price: £84,740.02
Deposit: £14,829.50
Deposit contribution: £16,911.20
Amount of credit: £52,999.32
Optional final payment: £24,075.00
Fees: £10.00
Total amount payable: £94,577.54
Date of deal: 11/04/2019

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Mini Convertible
The Mini Convertible gives you all the same virtues as the regular Mini Hatch – cool styling, high-quality interior, decent equipment and an entertaining drive – but throws in open-air appeal on top.

PCP Representative Example:
Mini Convertible Cooper Classic
Monthly Payment amount: £265.00
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 3.90% fixed
Representative APR: 3.90%
Cash Price: £20,085.00
Deposit: £2,000.00
Deposit contribution: £499.58
Amount of credit: £17,585.52
Optional final payment: £7,035.55
Fees: £0.00
Total amount payable: £21,990.03
Date of deal: 11/04/2019

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BMW Z4
The latest Z4 looks effortlessly glamorous inside and out, and when you add in its exemplary quality and desirable badge, it looks even more appealing. It’s cracking to drive, too.

PCP Representative Example:
BMW Z4 sDrive20i Sport
Monthly Payment amount: £399.00
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 4.90% fixed
Representative APR: 4.90%
Cash Price: £36,995.00
Deposit: £7,879.00
Deposit contribution: £0.78
Amount of credit: £29,115.22
Optional final payment: £14,589.10
Fees: £0.00
Total amount payable: £41,221.88
Date of deal: 11/04/2019

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Porsche 718 Boxster
For many, the Boxster is pretty much the epitome of the perfect sports car: small, light, nimble, fast and fun. The sleek looks and posh badge also make the car even more desirable.

PCP Representative Example:
Porsche 718 Boxster Roadster 2.0
Monthly Payment amount: £694.28
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 7.27% fixed
Representative APR: 7.3%
Cash Price: £46,845.00
Deposit: £4,684.50
Deposit contribution: £0.00
Amount of credit: £42,160.50
Optional final payment: £24,995.45
Fees: £10.00
Total amount payable: £53,989.75
Date of deal: 18/04/2019

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Saloons

Although it might seem like everyone drives an SUV these days, some of the biggest sellers out there are still saloons. In general, a good saloon needs to have good fuel economy, be comfortable, have a high interior quality and handle well.
Audi A3
The Audi A3 Saloon is hugely impressive. It's stylish, refined, practical and good to drive. It's less spacious than full blown executive saloon, but more affordable to buy and run, too.

PCP Representative Example:
Audi A3 Saloon Sport 30 TFSI 116 6-Speed
Monthly Payment amount: £320.85
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 5.85% fixed
Representative APR: 5.90%
Cash Price: £24,445.00
Deposit: £2,444.50
Deposit contribution: £2,500.00
Amount of credit: £19,500.50
Optional final payment: £10,884.15
Fees: £10.00
Total amount payable: £27,068.40
Date of deal: 11/04/2019

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BMW 3 Series
The BMW 3 Series is a high-quality saloon with a distinctly sporty character, appealing to those that love to drive, but also to those that appreciate the BMW badge.

PCP Representative Example:
BMW 3 Series 320i M Sport Saloon
Monthly Payment amount: £399.00
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 4.90% fixed
Representative APR: 4.90%
Cash Price: £35,345.00
Deposit: £5,829.00
Deposit contribution: £1,024.82
Amount of credit: £28,491.18
Optional final payment: £13,833.38
Fees: £0.00
Total amount payable: £39,440.20
Date of deal: 11/04/2019

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Mercedes E-Class
The E-Class combines comfort, quality, luxury and practicality. Less sporty than many of its rival executive saloons, but it’s all the better for it.

PCP Representative Example:
Mercedes-Benz E-Class 220d AMG Line Saloon
Monthly Payment amount: £397.03
Number of monthly payments: 48
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 5.55% fixed
Representative APR: 5.70%
Cash Price: £40,750.00
Deposit: £7,131.25
Deposit contribution: £4,563.73
Amount of credit: £29,055.02
Optional final payment: £14,975.00
Fees: £10.00
Total amount payable: £45,737.42
Date of deal: 12/04/2019

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Jaguar XF
Beautiful, dynamically engaging and efficient enough to justify to yourself and your bank manager, the XF certainly has a lot going for it.

PCP Representative Example:
Jaguar XF Saloon 2.0-litre diesel 163 Prestige manual RWD
Monthly Payment amount: £485.03
Number of monthly payments: 34
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 3.82% fixed
Representative APR: 3.90%
Cash Price: £33,835.00
Deposit: £5,001.00
Deposit contribution: £1,800.00
Amount of credit: £27,034.00
Optional final payment: £12,324.00
Fees: £10.00
Total amount payable: £36,111.05
Date of deal: 12/04/2019

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Mercedes S-Class
Its blend of excellent space, fine comfort, superb refinement and brilliant driving manners makes the S-Class a wonderful luxury car. Add in all the innovative but easy-to-use technology, and the prestigious image it conveys, and it’s an unbeatable package.

PCP Representative Example:
Mercedes-Benz S-Class saloon 350d AMG Line
Monthly Payment amount: £614.83
Number of monthly payments: 48
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 0.00% fixed
Representative APR: 0.00%
Cash Price: £75,310.00
Deposit: £13,179.16
Deposit contribution: £10,144.00
Amount of credit: £51,986.84
Optional final payment: £22,475.00
Fees: £10.00
Total amount payable: £75,320.00
Date of deal: 12/04/2019

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Coupes

Whether you're looking for a sleeker alternative to a hot hatch, want to treat yourself now the kids have left home, or just fancy one, a coupe is seriously desirable.
Audi TT
The Audi TT looks great inside and out, it has a prestige image and it’s brilliant to drive. If you’re looking for an affordable but desirable sports coupe, chances are that you’ve already set your heart on this. And, it’s a cracking choice.

PCP Representative Example:
Audi TT Coupe Sport 40 TFSI 197 S tronic
Monthly Payment amount: £383.05
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 6.20% fixed
Representative APR: 6.22%
Cash Price: £31,565.00
Deposit: £3,156.50
Deposit contribution: £3,250.00
Amount of credit: £25,158.50
Optional final payment: £15,455.55
Fees: £10.00
Total amount payable: £35,278.80
Date of deal: 12/04/2019

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BMW M2
The M2 is a superb car that does all the things a performance car – and, more particularly a BMW M car – should do: it’s fast, fun and raw. True, the firm ride may put off some potential buyers, but the handling is plenty sharp enough to compensate.

PCP Representative Example:
BMW M2 Competition
Monthly Payment amount: £559.00
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 4.90% fixed
Representative APR: 4.90%
Cash Price: £51,030.00
Deposit: £9,289.00
Deposit contribution: £6.79
Amount of credit: £41,734.21
Optional final payment: £21,582.10
Fees: £0.00
Total amount payable: £57,150.89
Date of deal: 12/04/2019

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Porsche 718 Cayman
The Cayman looks a million dollars and, when it comes to handling and driving fun, sits right at the top of the pile. What’s more, its sublime steering, superb control weights and exceptional ride quality make it a brilliant long-distance GT.

PCP Representative Example:
Porsche 718 Cayman Coupe 2.0
Monthly Payment amount: £599.15
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 7.23% fixed
Representative APR: 7.2%
Cash Price: £44,984.00
Deposit: £4,498.40
Deposit contribution: £0.00
Amount of credit: £40,485.60
Optional final payment: £26,592.40
Fees: £10.00
Total amount payable: £52,071.05
Date of deal: 18/04/2019

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Ford Mustang V8
The Mustang has charms and flaws in equal measure, meaning it’ll be a very acquired taste. For some, the noise and pace of the V8 engine will be totally intoxicating, as will the attention-grabbing looks and the brutish image. And for those folk, many of the car’s flaws – such as the jittery ride, slightly unruly handling and eye-watering running costs – will only serve to enhance the experience.

PCP Representative Example:
Ford Mustang Coupe 5.0 V8 GT
Monthly Payment amount: £696.27
Number of monthly payments: 36
Duration of agreement: 37 months
Average miles per year: 9,000
Annual Interest rate: 5.60% fixed
Representative APR: 7.40%
Cash Price: £42,810.00
Deposit: £4,000.00
Deposit contribution: £0.00
Amount of credit: £38,810.00
Optional final payment: £20,268.00
Fees: £10.00
Total amount payable: £49,353.63
Date of deal: 12/04/2019

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Jaguar F-Type Coupe
If anything, the Coupe version of the F-Type looks even more glamorous than the convertible, and it’s a blast to drive, too, with strong pace, a great noise and sharp – if slightly unruly – handling.

PCP Representative Example:
Jaguar F-Type Coupe 2.0-litre 300 petrol automatic RWD
Monthly Payment amount: £615.04
Number of monthly payments: 34
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 5.74% fixed
Representative APR: 5.90%
Cash Price: £52,310.00
Deposit: £5,010.00
Deposit contribution: £6,620.00
Amount of credit: £40,680.00
Optional final payment: £24,817.00
Fees: £10.00
Total amount payable: £57,983.40
Date of deal: 12/04/2019

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Hybrids

Today there’s a hybrid for every purpose – from supermini to supercar – all united by the common theme of having two power sources: an internal combustion engine and an electric motor. Most will run for a certain distance on purely electric power, giving zero-emission driving and improving your fuel consumption, but with the added reassurance of the ‘normal’ engine for longer journeys.
Hyundai Ioniq PHEV
If the majority of your motoring is conducted in city centres, the Ioniq is clearly worth considering. It provides low running costs for urbanites and low taxation for all, offering plenty of interior space, lots of standard kit and the convenience of an automatic gearbox. The Ioniq is also well finished, solidly built and attractively priced. For this type of money, it’s as good as hybrid-electric technology gets.

PCP Representative Example:
Ioniq Plug-in 1.6 105 Hybrid Premium 2WD DCT
Monthly Payment amount: £361.95
Number of monthly payments: 48
Duration of agreement: 49 months
Average miles per year: 10,000
Annual Interest rate: 3.04% fixed
Representative APR: 5.90%
Cash Price: £28,395.00
Deposit: £5,000.00
Deposit contribution: £500.00
Amount of credit: £22,895.00
Optional final payment: £9,360.00
Fees: £0.00
Total amount payable: £32,233.60
Date of deal: 17/04/2019

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Toyota Yaris
The Yaris is generously equipped, with plenty of safety features as standard across the range, and history suggests bulletproof reliability. As a simple method of transport, the Yaris ticks most boxes, and it also happens to be one of the cheapest hybrids on sale today.

PCP Representative Example:
Yaris 5-door 1.5 Hybrid Active auto
Monthly Payment amount: £300.00
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 3.40% fixed
Representative APR: 4.90%
Cash Price: £15,995.00
Deposit: £873.31
Deposit contribution: £800.00
Amount of credit: £15,121.69
Optional final payment: £6,165.00
Fees: £0.00
Total amount payable: £17,538.31
Date of deal: 17/04/2019

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Mitsubishi Outlander PHEV
With decent space and good versatility, the four-wheel drive Outlander makes a good go-anywhere family car. The low running costs of the plug-in hybrid version make it particularly attractive for company car users.

PCP Representative Example:
Outlander PHEV 4h Auto 4WD (with leather)
Monthly Payment amount: £348.20
Number of monthly payments: 36
Duration of agreement: 37 months
Average miles per year: 10,000
Annual Interest rate: 5.73% fixed
Representative APR: 5.90%
Cash Price: £39,500.00
Deposit: £12,202.00
Deposit contribution: £2,500.00
Amount of credit: £24,798
Optional final payment: £15,882.00
Fees: £10.00 option to purchase fee
Total amount payable: £43,119.00
Date of deal: 17/04/2019

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Volvo XC90
A stylish large SUV that’s beautifully built, has space for seven, is packed with clever technology and is also affordable to run. The XC90 majors on ride comfort, refinement and safety, and can take you and the whole family a long way in total comfort.

PCP Representative Example:
XC90 T8 Twin Engine AWD Automatic Inscription
Monthly Payment amount: £953.63
Number of monthly payments: 36
Duration of agreement: 37 months
Average miles per year: 8,000
Annual Interest rate: 2.52% fixed
Representative APR: 4.90%
Cash Price: £67,045.00
Deposit: £3,000.00
Deposit contribution: £1,000.00
Amount of credit: £63,045.00
Optional final payment: £36,075.00
Fees: £0.00
Total amount payable: £74,405.68
Date of deal: 17/04/2019

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BMW i8 Roadster
The i8 Roadster is a striking car to look at. It’s well made and comfortable, and the hybrid system works nicely and makes it stand out from the competition. It’ll definitely turn heads, too.

PCP Representative Example:
I8 Roadster 1.5l LCI
Monthly Payment amount: £1655.36
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 5.90% fixed
Representative APR: 5.90%
Cash Price: £130,485.00
Deposit: £19,572.75
Deposit contribution: £10,380.00
Amount of credit: £100,532,25
Optional final payment: £39,004.94
Fees: £0.00
Total amount payable: £146,759.61
Date of deal: 17/04/2019

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Electric cars

You may have noticed good-old-fashioned petrol and diesel cars haven’t had the best publicity lately. With the rise of fully-electric, we can expect to see the internal combustion engine phased out over the next few decades, and eventually, electric cars will take over. But, there’s no need to wait for the future, as you can buy electric cars right now. Although the limited range might not work for some people (although it’s increasing all the time), they have the advantage of emitting no tailpipe emissions, and they cost far less to charge than you’d pay to fill up a fuel tank.
Renault Zoe
For our money, the Renault Zoe is one of the best mainstream electric cars yet. It combines a grown-up and relaxing driving experience with decent quality and practicality, and it's affordable to buy and own. Just make sure you can live with the limited range.

PCP Representative Example:
Zoe I Dynamique Nav R110 (battery included, including PICG)
Monthly Payment amount: £269.00
Number of monthly payments: 48
Duration of agreement: 49 months
Average miles per year: 6,000
Annual Interest rate: 4.90% fixed
Representative APR: 4.90%
Cash Price: £25,020
Deposit: £3,766.00
Deposit contribution: £3,500.00
Amount of credit: £17,754.00
Optional final payment: £7,325.00
Fees: £0.00
Total amount payable: £27,503.00
Date of deal: 17/04/2019

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Tesla Model S
On the one hand, the Tesla is a very capable family car that can also provide plenty of thrills. On the other hand, it’s a ground-breaking electric car that’s kind to the environment. On both counts, though, it’s absolutely brilliant.

PCP Representative Example:
Model S 100D
Monthly Payment amount: £1,000.00
Number of monthly payments: 48
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 5.40% fixed
Representative APR: 5.40%
Cash Price: £89,650
Deposit: £11,000.00
Deposit contribution: £0.00
Amount of credit: £78,650
Optional final payment: £43,929.00
Fees: £10.00 option to purchase fee
Total amount payable: £102,949.00
Date of deal: 17/04/2019

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BMW i3
If the limited range of an electric car can fit into your lifestyle, the BMW i3 is one of the best. If it doesn’t, BMW has that covered, too, because there’s a range-extender version that gives most of the benefits of an electric car, but that can keep going when the battery runs down. Expensive, but very desirable.

PCP Representative Example:
I3 120AH (including PIGC)
Monthly Payment amount: £350.17
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 4.90% fixed
Representative APR: 4.90%
Cash Price: £31,730.00
Deposit: £6,589.00
Deposit contribution: £1236.57
Amount of credit: £23,904.43
Optional final payment: £10,808.63
Fees: £0.00
Total amount payable: £35,092.19
Date of deal: 17/04/2019

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Volkswagen e-Golf
The Golf is the car that defines Volkswagen, and it delivers on every front, its myriad attributes guaranteeing huge desirability and stellar residual values. The electric version, meanwhile, is impressively quiet and smooth as it fizzes up to speed, and it also feels properly quick and responsive.

PCP Representative Example:
e-Golf 136 BEV automatic (including PICG)
Monthly Payment amount: £364.92
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 2.44% fixed
Representative APR: 2.50%
Cash Price: £30,340.00
Deposit: £3,034.00
Deposit contribution: £2,000.00
Amount of credit: £25,306.00
Optional final payment: £9,861.30
Fees: £10.00 option to purchase fee
Total amount payable: £32,056.54
Date of deal: 24/04/2019

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Jaguar I-Pace
The I-Pace is an impressive technological achievement by Jaguar. The performance is sensational, it’s good to drive, reasonably practical and hugely desirable. And crucially, the impressive real-world range makes electric motoring a viable option for a lot more people.

PCP Representative Example:
I-Pace EV400 SE (including PICG)
Monthly Payment amount: £780.37
Number of monthly payments: 35
Duration of agreement: 36 months
Average miles per year: 10,000
Annual Interest rate: 5.74% fixed
Representative APR: 5.90%
Cash Price: £64,495.00
Deposit: £6,449.50
Deposit contribution: £0.00
Amount of credit: £60,045.50
Optional final payment: £41,513.00
Fees: £10.00 option to purchase fee
Total amount payable: £75,275.45
Date of deal: 17/04/2019

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MPVs

If you think people-carriers are for those people who’ve given up on life, you’re dead wrong. Having lots of children doesn’t mean you have to settle for a car with no style or excitement, and these cars are proof. MPVs are versatile enough to make everyday life with your brood a piece of cake, and with the family in tow, that’s exactly what you want.
Seat Alhambra
The Alhambra is all the MPV that any family will ever need. With huge space, ingenious seating and plenty of quality and luxury equipment, not to mention affordable prices, this is a car that should be on any MPV buyer’s shopping list.

PCP Representative Example:
Alhambra 2.0TDI 150 manual SE
Monthly Payment amount: £440.19
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 6.70% fixed
Representative APR: 6.70%
Cash Price: £31,365.00
Deposit: £3,136.50
Deposit contribution: £2,000.00
Amount of credit: £26,228.50
Optional final payment: £10,379.70
Fees: £10.00 option to purchase fee
Total amount payable: £36,215.13
Date of deal: 18/04/2019

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Ford S-Max
The Ford S-Max is one of the better seven-seat MPVs. It combines a spacious, practical and versatile cabin with a comfortable, relaxed and genuinely entertaining driving experience. It’ll make ferrying the family around an absolute pleasure.

PCP Representative Example:
S-Max 1.5 Ecoboost GTDi 165 manual
Monthly Payment amount: £387.44
Number of monthly payments: 36
Duration of agreement: 37 months
Average miles per year: 9,000
Annual Interest rate: 0.00% fixed
Representative APR: 0.00%
Cash Price: £26,910.00
Deposit: £2,841.00
Deposit contribution: £1,500.00
Amount of credit: £24,069.00
Optional final payment: £10,121.00
Fees: £0.00
Total amount payable: £29,910.00
Date of deal: 18/04/2019

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VW Touran
The Touran’s generous space alone is enough to make it one of the very best mid-size MPVs. However, the car also comes with a flexible and versatile seating arrangement, and it’s also strong on quality, good to drive and comes with a range of perky-yet-efficient engines.

PCP Representative Example:
Touran 1.6 TDI 115 S manual
Monthly Payment amount: £259.00
Number of monthly payments: 47
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 3.30% fixed
Representative APR: 3.30%
Cash Price: £26,450.00
Deposit: £6,317.76
Deposit contribution: £1,500.00
Amount of credit: £18,632.24
Optional final payment: £8,190.90
Fees: £10.00 option to purchase fee
Total amount payable: £28,191.66
Date of deal: 23/04/2019

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Mercedes V-Class
The V-Class is truly brilliant at what it’s designed for. Capable of carrying up to seven passengers in complete comfort over long distances, it makes perfect sense for upmarket cab companies and Chauffeur firms.

PCP Representative Example:
V-Class V250 d Sport extra-long
Monthly Payment amount: £514.08
Number of monthly payments: 48
Duration of agreement: 48 months
Average miles per year: 10,000
Annual Interest rate: 6.23% fixed
Representative APR: 6.4%
Cash Price: £54,415.01
Deposit: £9,298.63
Deposit contribution: £4,613.41
Amount of credit: £39,222.97
Optional final payment: £22,350.00
Fees: £10.00 option to purchase fee
Total amount payable: £60,947.88
Date of deal: 18/04/2019

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Citroen Berlingo XL
The Citroen Berlingo provides a gargantuan amount of space for a very affordable price, so if those two things sit at the top of your wishlist, it’s hard to beat. It’s reasonably comfortable and quiet to drive, too, and it’s packed with some really clever storage solutions.

PCP Representative Example:
Berlingo XL 1.5 HDi 130 manual
Monthly Payment amount: £428.17
Number of monthly payments: 36
Duration of agreement: 37 months
Average miles per year: 10,000
Annual Interest rate: 4.90% fixed
Representative APR: 4.90%
Cash Price: £25,250.00
Deposit: £2,000.00
Deposit contribution: £750.00
Amount of credit: £22,620.00
Optional final payment: £9,607.00
Fees: £0.00
Total amount payable: £27,771.12
Date of deal: 18/04/2019

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Estate cars

SUVs may be storming to the top of every sales chart going at the moment, but the humble estate car isn’t dead yet. With the space, practicality and versatility they offer, estates still make brilliant family cars. They may not have the rugged off-roader styling of an SUV, but usually, estates are less expensive to buy and run than their SUV counterparts, while still having the capacity to cover every motoring eventuality.
Dacia Logan MCV
The MCV in the Logan’s moniker stands for ‘maximum capacity vehicle’, and that’s what you get with the Logan, for the price of a small hatchback. It gives you generous interior space and no-nonsense practicality.

PCP Representative Example:
Logan MCV 0.9 TCe 90 Essential
Monthly Payment amount: £129.00
Number of monthly payments: 48
Duration of agreement: 49 months
Average miles per year: 6,000
Annual Interest rate: 6.90% fixed
Representative APR: 6.90%
Cash Price: £10,300.00
Deposit: £1,991.00
Deposit contribution: £250.00
Amount of credit: £8,059.00
Optional final payment: £3,466.00
Fees: £0.00
Total amount payable: £11,899.00
Date of deal: 18/04/2019

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Skoda Octavia Estate