Manufacturer finance contribution

A deposit contribution is money given to you by a car manufacturer or dealer to help boost your deposit – making it easier and cheaper to buy a new car. By increasing the size of your overall deposit with a car deposit contribution, you can reduce the size of your monthly repayments because you’re borrowing less. And borrowing less can mean less interest to pay. Deposit contributions can be a great help to buy your next new car. And you can search for the very best deposit contribution deals right here on What Car?.

Showing 1-20 of 20Sort by: Monthly price (lowest)
Fiat 500 2020 front tracking

Fiat 500 Hybrid

PCP from

£145 per month

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Deposit contribution of £2,500

Fiat 500 Electric front cornering

Fiat 500 Electric

PCP from

£145 per month

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Deposit contribution of £2,500

Nissan Leaf front left tracking

Nissan Leaf

PCP from

£175 per month

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Deposit contribution of £2,500

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Fiat 500C Hybrid front cornering

Fiat 500C Hybrid

PCP from

£187 per month

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Deposit contribution of £2,500

Blue Peugeot e-208 front cornering

Peugeot e-208

PCP from

£195 per month

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Deposit contribution of £1,500

Red Peugeot 208 front right driving

Peugeot 208

PCP from

£195 per month

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Deposit contribution of £1,500

Red Mazda MX-30 R-EV front right driving

Mazda MX-30 R-EV

PCP from

£198 per month

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Deposit contribution of £6,000

Mazda MX-30 EV front cornering

Mazda MX-30 EV

PCP from

£198 per month

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Deposit contribution of £6,000

Red Peugeot 2008 front right driving

Peugeot 2008

PCP from

£241 per month

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Deposit contribution of £2,000

Peugeot e-2008 front cornering

Peugeot e-2008

PCP from

£241 per month

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Deposit contribution of £2,000

Renault Megane E-Tech front right tracking

Renault Megane

PCP from

£284 per month

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Deposit contribution of £1,000

Volvo XC40 front right driving

Volvo XC40

PCP from

£304 per month

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Deposit contribution of £4,000

Peugeot 308 front cornering

Peugeot 308

PCP from

£306 per month

Get the best deal

Deposit contribution of £1,500

Peugeot 308 SW front right driving

Peugeot 308 SW

PCP from

£307 per month

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Deposit contribution of £1,500

White Peugeot e-308 front right driving

Peugeot e-308

PCP from

£307 per month

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Deposit contribution of £1,500

Cupra Born front cornering

Cupra Born

PCP from

£317 per month

Get the best deal

Deposit contribution of £2,500

Toyota bZ4X 2022 front right tracking

Toyota bZ4X

PCP from

£364 per month

Get the best deal

Deposit contribution of £500

Red VW ID 5 front right driving

Volkswagen ID 5

PCP from

£411 per month

Get the best deal

Deposit contribution of £1,850

VW ID 3 front cornering

Volkswagen ID 3

PCP from

£423 per month

Get the best deal

Deposit contribution of £500

White VW ID 4 front right driving

Volkswagen ID 4

PCP from

£442 per month

Get the best deal

Deposit contribution of £1,650

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FAQs

  • Deposit contribution means that a dealer or car manufacturer will contribute an amount of money towards the deposit on a new or used car. It is usually only available on certain types of finance, notably PCP deals.

    The contribution may cover the whole deposit, or just a part of it. Or the deal may require you to put in a certain amount before the contribution is unlocked. For example, you may need to contribute £3000 before the manufacturer contributes £1000.

    But that £4000 means that you’ll be able to reduce your monthly repayments and the interest you’ll pay across the entire agreement.

  • You won’t usually have to pay back a deposit contribution because it forms part of the wider finance agreement. One of the very few reasons it may need to be repaid is if the finance is cancelled, although that’s a relatively rare occurrence and could be tricky for the dealer or manufacturer to enforce.

  • Deposit contributions are usually time-limited offers and see the manufacturer or dealer putting in an amount of money to be used as a deposit. Anything you put in on top will bump up the total deposit, reducing your monthly payments and the interest paid as a result.

    Remember that you may need to lay down a certain amount of money to become eligible for a deposit contribution, and it may only be available for certain models, engines or trims, and will usually be restricted to particular types of finance – typically PCPs.

  • The main advantage of a deposit contribution is that it’ll bump up the total deposit, allowing you to reduce your monthly payments. That could mean you’re able to get behind the wheel of a better or more well-equipped car, or simply save some cash.

    Indeed you could look at a deposit contribution being a discount on the car itself.

  • There are a few disadvantages to choosing a deal with a deposit contribution, but how much of an issue this may pose will depend on your personal circumstances. For example, you may have to use a certain type of finance over a certain period of time, which may or may not suit your budget or your needs.

    Some dealers might try to move the figures around. For example, they might offer you £1000 less on your part exchange but ‘give’ it back to you in the form of a deposit contribution. You can use our car valuation service to uncover your car’s real value.

    As always, shop around for the best deal, and ask dealers to run the numbers using different types of finance, with and without the deposit contribution. And make sure you get several valuations for your part exchange, too.

    Finally, you should always make sure you fully understand any finance agreement before you commit to it to ensure it fits your needs.

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