advice

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...

Fiat 500X 2019 Front cornering shot
Author Avatar
Claire Evans
11 Jul 2018 16:00

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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