Cars that are cheaper to buy on finance than with cash: family and executive cars
Cash has historically been the best way to get a good deal on a new car, but our research reveals you can now save up to £10,247 by buying on finance...
Biggest finance savings on family cars
Model 1.0 Ecoboost 125 Titanium X
List price £23,935
Cash Target Price £22,040
Total finance cost £20,790
The Focus is one of the most enjoyable cars in its class to drive, with agile handling and little body lean in corners. It’s also a great buy on Ford’s PCP deal, because you can save money on virtually all models except the sporty ST. The biggest saving – of £1250 – can be had on cars with high-spec Titanium X trim.
Model 1.0T GDi IST 2
List price £18,850
Cash Target Price £17,678
Total finance cost £16,847
The Ceed comes with a fantastic seven-year warranty and a decent boot, while entry-level versions are great value even before discounts. Finance is cheaper for all versions except the range-topping GT-Line, with savings of up to £831.
Model 1.5 BlueHDi 130 Allure
List price £25,865
Cash Target Price £22,817
Total finance cost £21,568
The 308 has clean, frugal engines, looks smart inside and has plenty of boot space. Finance buyers will pay less than cash buyers for most variants, excluding some higher-spec versions and the GTI; savings range from £55 to £1249.
Biggest finance savings on executive cars
Model 2.0 D180 HSE
List price £39,215
Cash Target Price £36,140
Total finance cost £35,699
Jaguar’s answer to the BMW 3 Series is great to drive and well equipped, although many of its rivals have it licked for interior quality and practicality. Savings of up to £441 apply only to XE models in high-spec HSE trim.
Model 1.5 TSI SE
List price £24,850
Cash Target Price £22,812
Total finance cost £22,165
If you want an executive car with lashings of interior space and a classy interior without paying the premium for a German brand, the Superb is a great choice. Opt for Skoda’s PCP deal and the savings range from from £92 to £647.
Model 2.0 B5 R Design
List price £39,035
Cash Target Price £36,386
Total finance cost £34,367
The S60 is one of a new breed of Volvos that really can mix it with its German rivals. It has a classy interior, a great driving position and lots of safety kit. Although plug-in hybrid versions are cheaper when bought with cash, those with the turbocharged 2.0-litre petrol engine are significantly cheaper on finance.
Best used family cars for less than £20,000
Whether it's something sensible, something smart, something practical or just a great all-rounder, our guide will help you work out which used family car is best for you
Ford Focus long-term test review
The Focus was a price point winner in the 2019 What Car? Awards. We're running one for four months to find out how well it copes with being a commuter and family car