These days, the vast majority of new cars are bought through Personal Contract Purchase (PCP) deals, and it's easy to see why.
Here we countdown the top 10 deals from our Target Price research, which reveals the most you should pay for a new car. Each deal is based on 15% of the value of the car, combined with the manufacturer's finance discount allowance. All are for three years, with a 30,000-mileage limit.
Target Price cost per month: £198 Target Price (on the road): £16,275 The deal: 3 years PCP finance with 4.9% APR and £1000 finance deposit allowance
The latest Volkswagen Golf may be one of the more expensive family hatchbacks on sale, but it's also one of the best. It's great to drive and easy to live with, and with such a vast model range, there's a version to suit everyone. With this deal, you get a turbocharged 1.0-litre petrol engine, which is ideal if you'll mainly be driving in town.
9. Suzuki Vitara 1.6 SZ4
Target Price cost per month: £161 Target Price (on the road): £14,176 The deal: 3 years PCP finance with 2.9% APR
When you're buying on PCP finance, the Vitara is one of the cheapest small SUVs around. What's more, it's one of the most spacious and best equipped, with the SZ4 trim looking particularly good value.
Target Price cost per month: £154 Target Price (on the road): £11,880 The deal: 3 years PCP finance with 6.2% APR and £1800 finance deposit allowance
The Polo is a premium alternative to other big-selling small hatchbacks such as the Ford Fiesta and Vauxhall Corsa. And while it costs more to buy than those cars, it makes up for that with a smart interior and quiet engines.
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