How are the What Car? Target PCP prices worked out? 

A reader asks if he can get our Target Price saving on a three-year PCP deal...

Car compilation image

I’m thinking of replacing my car soon and I’ve been keeping an eye on your Pick of the Month features in What Car? Magazine and the Deals stories online. Are all your PCP prices based on 48-month deals, and will they apply if I only want to take out a 36-month deal? 

Martyn Elmy

What Car? says…

The What Car? Target Price is the most you should pay for your next new car. The price for each model is based on real deals secured by our team of mystery shoppers, who haggle on your behalf every day with dealers across the UK. 

What Car? guarantees this is the most you'll pay for your next car if you buy through one of our approved dealers using our New Car Buying service. In fact, 75% of the offers made by our dealers will beat the Target Price, so it is always worth checking with them via our website, too.

Our Target PCP finance prices are based on 48-month deals with an upper annual mileage limit of 12,000 miles and a 15% deposit. However, you can talk to our dealers and arrange different mileage and deal length limits to suit your needs, and you’ll still be able to buy at the Target Price or less.

Ford Puma driving

At present our dealers are offering great deals on a number of five-star What Car? models, including the Seat Leon hatchback and our 2020 Car of the Year, the Ford Puma. A Leon 1.5 TSI EVO FR Sport can be had for £247 a month on a four-year PCP deal and a Puma 1.0 Ecoboost 155 mHEV Titanium costs just £233 a month on a three-year deal.

For all the latest reviews, advice and new car deals, sign up to the What Car? newsletter here

Best cars for £250 a month

Here, we count down the top 10 deals from our Target Price research, which reveals the most you should pay for a new car. 

10. Peugeot 2008 1.2 Puretech Allure

Peugeot e-2008 front 2021

Save money on a new Peugeot 2008 with What Car? >>

Target Price cost per month: £247 Target Price (on the road): £21,378 The deal: 48 months' PCP finance with 5% APR and £1500 finance deposit allowance. Limit of 8000 miles per year

Peugeot's smallest SUV is very practical for growing families, with plenty of rear-seat space and a high-quality interior. Its engines are frugal, too, so you shouldn't have to spend so much at the pumps. The 1.2-litre petrol engine you get here is the entry-level option, but its performance should be adequate for most families.

Read our full Peugeot 2008 review >>

9. Volkswagen Golf 1.5 TSI 150 Life

2020 Volkswagen Golf front action

Target Price cost per month: £247 Target Price (on the road): £22,285 The deal: 48 months' PCP finance with 3.6% APR and £1250 finance deposit allowance. Limit of 10,000 miles per year

The latest-generation Golf has already proven itself to be both comfortable and practical, with tidy handling and a smart-looking interior. We've been impressed with the performance of this 1.5-litre petrol engine, too; it provides plenty of performance without sounding like it's being worked too hard. 

Read our full Volkswagen Golf review >>

Next: more of the best Target PCP deals for £250 a month or less