Cars that are cheaper to buy on finance than with cash: luxury 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...

2019 audi a7 sportback silver driving front

Biggest finance savings on luxury cars

Audi A7 - save £857 >>

Model 40 TDI Sport S tronic 
List price £47,850
Cash Target Price £42,257 
Total finance cost £41,400 

The A7 is a beautifully made high-speed cruiser with strong engines and a sumptuous interior. More than half of the models on offer are cheaper to buy on finance than with cash, with savings that range from just a few pounds to £858.


BMW 5 Series - save £1570 >>

BMW 5 Series cornering front three quarters

Model 530d M Sport
List price £50,925
Cash Target Price £43,200 
Total finance cost £41,630 

Even though it’s soon to be facelifted, the 5 Series is still a great all-rounder and a What Car? five-star car. Most versions are cheaper to buy with cash, but the superb 530d is a noteworthy exception, costing up to £1570 less on PCP. 


BMW 7 Series - save £10,247 >>

BMW 7 Series 2020 UK Front right tracking shot

Model M760Li
List price £141,710
Cash Target Price £128,696 
Total finance cost £118,449 

The 7 Series is a strong contender in the luxury car class, with sharp handling, strong engines and a brilliant infotainment system. Whichever 7 Series you go for, you’ll save money by buying on finance, with a benefit of more than £6000 on the entry-level 730d. If you opt for the flagship M760Li, you’ll save more than £10,000. 

Jaguar XF

Model 2.0d R-Sport
List price £36,740
Cash Target Price £33,414
Total finance cost £31,570 

The latest XF has brilliant handling, lots of standard kit and strong safety credentials. Most versions are cheaper on finance, with savings of between £1000 and £1500 on many trim levels and £1844 off the R-Sport.


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