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...

Ford Focus cornering front three quarters

Biggest finance savings on family cars

Ford Focus - save £1250 >>

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. 

Kia Ceed - save £831 >>

Kia Ceed front white - 19 plate

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. 

Peugeot 308 - save £1249 >>

Peugeot 308 front - 19 plate

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

Jaguar XE - save £441 >>

LT Jaguar XE nose

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.

Skoda Superb - save £647 >>

Skoda Superb iV

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.  

Volvo S60 - save £2019 >>

LT Volvo S60 drive by

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.

<< Previous | Next: Finance savings on SUVs >>

Page 2 of 4