Why finance is better than cash for buying a new car

Cash has historically been king when it comes to getting the 
best deal on a new car, but our research reveals you 
could be up to £12,000 better off by entering a finance deal...

Author Avatar
Claire Evans
11 July 2018

Fiat 500X 2019 Front cornering shot

Small SUVs

Don’t expect to get huge discounts on family SUVs, because they’re among the most popular. However, the £2250 you can save on a Fiat 500X represents a healthy 18% off the Target Price of what’s already an affordable small SUV.  

  • Fiat 500X 1.0 Firefly Turbo S-Design Nav 
  • List price  £20,750
  • Cash Target Price  £19,859
  • Finance Target Price  £17,609
  • Finance saving  £2250
Kia Stonic long-term test review
  • Kia Stonic 1.0 T-GDi 4
  • List price  £20,475
  • Cash Target Price  £19,247
  • Finance Target Price  £17,247
  • Finance saving  £2000
Volkswagen T-Roc 2018 left front static shot
  • Volkswagen T-Roc 1.6 TDI S
  • List price  £22,300
  • Cash Target Price  £21,070
  • Finance Target Price  £19,070
  • Finance saving  £2000

Family SUVs

The Nissan Qashqai was our 2014 Car of the Year, and although better rivals have since arrived, it’s still a sound proposition. The £3250 saving on finance is available across the range, representing the best discount (23%) on the 1.5-litre diesel. 

Used Nissan Qashqai
  • Nissan Qashqai 1.5 dCi 115 N-Connecta
  • List price  £26,200
  • Cash Target Price  £24,577
  • Finance Target Price  £21,327
  • Finance saving  £3250
9: Vauxhall Grandland X
  • Vauxhall Grandland X 1.2T Sport Nav
  • List price  £26,015
  • Cash Target Price  £23,184
  • Finance Target Price  £21,084
  • Finance saving  £2100
2019 Renault Kadjar – price, specs and release date
  • Renault Kadjar 1.5 Blue dCi Play
  • List price  £22,500
  • Cash Target Price  £21,421
  • Finance Target Price  £19,421
  • Finance saving  £2000

Large SUVs

The Stelvio is Alfa Romeo’s first SUV, and it stands out from most contemporaries by being really enjoyable to drive, with light steering and nimble handling. A saving of nearly 15% (£3000) on a car that’s still fresh on the market only adds appeal. 

Alfa Romeo Stelvio 2.0 Turbo 200 Super Auto
  • Alfa Romeo Stelvio 2.2 D 210 Speciale
  • List price  £44,105
  • Cash Target Price  £41,425
  • Finance Target Price  £38,425
  • Finance saving  £3000
2018 BMW X3 xDrive20d xLine
  • BMW X3 xDrive30d SE
  • List price  £46,950
  • Cash Target Price  £44,118
  • Finance Target Price  £41,618
  • Finance saving  £2500
Kia Sorento
  • Kia Sorento 2.2 CRDi KX-2
  • List price  £33,650
  • Cash Target Price  £31,480
  • Finance Target Price  £28,980
  • Finance saving  £2500

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