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: First published: 5th February 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, and 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 manufacturer's current deal, and our review of the car. Happy hunting…

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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.
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Peugeot 3008
The Peugeot 3008 looks fab, is great to drive and has all the space, practicality and equipment a family needs.
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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.
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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.
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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.
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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.
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Porsche Macan
The Macan is definitely the sporty choice among the current crop of SUVs, and it’ll whip around corners with a level of agility that’ll shame most hot hatches. Great fun.
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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 the XC90 is one of our favourite SUVs.
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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.
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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.
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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 has style, quality and driver appeal. A cracking little car.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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 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.
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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.
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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.
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Renault Captur
It may be small, but the Renault Captur SUV is still really practical, one of the most practical cars of its type. It also looks great and is comfortable and relaxing to drive.
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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.
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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 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.
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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.
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Jaguar F-Type Roadster
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.
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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.
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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 50-odd years, either and the latest one is simply sensational.
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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 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.
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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.
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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.
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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.
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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.
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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 a full blown executive saloon, but more affordable to buy and run, too.
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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.
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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.
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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.
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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.
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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 you’ve already set your heart on this. And, it’s a cracking choice.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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BMW i8
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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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Pick-ups
There was a time when pick-up trucks were the exclusive preserve of builders, tradespeople and farmers throughout the land, but these days, the appeal of the humble truck has become far broader. They now appeal to many active families, and there are a range of tax benefits that can be gained by having a pick-up as your company vehicle.

Toyota Hilux
Hilux is one of the most recognisable names in the pick-up truck sector thanks to its long and rich history, and there’s plenty gong for the latest version, with good looks, a decent spread of dynamic abilities and the promise of fabulous reliability.
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Ford Ranger
The Ford Ranger is a tough, go-anywhere 4x4 pick-up truck, designed to appeal to commercial and leisure users alike. Bold and brash, it certainly looks the part, and that alone will be enough for many buyers.
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Nissan Navara
The Navara delivers all the attitude and muscular strength you’d expect of a roughtie-toughtie truck, but also works in impressive comfort and refinement, along with plenty of luxury kit. It’s one of the best top-end pick-up trucks you can buy.
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VW Amarok
The Amarok is an alternative to VW’s big SUVs, and it’s one of the posher pick-ups on sale. Although the interior quality might not be as high as with VW’s cars, it’s far from being spartan or uncomfortable, and there are still plenty of toys to play with.
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Mercedes X-Class
If you want your pickup to be less of a workhorse and more of a lifestyle vehicle that enables you to indulge in outdoor pursuits, ferry the family, and have a comfortable and civilised driving experience, the X-Class is one of your better options. The prestige badge and classy looks also give it a level of desirability few other trucks can match.
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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.
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Skoda Octavia Estate
The Skoda Octavia Estate is a fantastic all-rounder. It might not appeal to everyone’s heart, but it ticks every box that any head would want. It’s hugely spacious, well-equipped and priced keenly, and it’s also full of clever features to make everyday life easier.
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Seat Leon ST Cupra
The Leon stands out in the hatchback market for its style, and the ST does the same when compared with other small estates. The Leon ST is smooth, civilised, well-equipped, solidly built, and affordable to buy, while the Cupra version gives you hot-hatch thrills on top.
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Volvo V60
If safety and style are at the top of your list when it comes to buying a family estate car, we don’t think you need to look much further than the Volvo V60. It’s also spacious, smooth and quiet to drive and feels like a quality item.
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Mercedes E-Class Estate
The E-Class is really impressive, combining comfort, quality, luxury and practicality. You need to add some optional equipment to make it as good as it can be, but that’s the case for all cars like this, and if you do, you won’t be disappointed.
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