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New cars for less than the price of the train

Millions of UK workers commute by train, but could it be cheaper to buy a car instead?...

Peugeot 5008 Puretech 1.2 Puretech 130 Allure
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What Car? team
21 May 2019 14:20

A personal contract purchase deal, more commonly referred to as PCP, is one of the most popular ways of buying a new car in the UK. It's similar to other finance deals in that there's a deposit to pay and a monthly rate thereafter, and the deals typically last for three years.

Where a PCP differs, though, is that at the end of your contract you have three options. You can return the car to the dealer, or trade it in and use its remaining value towards a replacement car, or pay a final lump sum and own the car outright.

As with the leasing deals on the previous page, we're working to a maximum budget of £500 per month here, leaving you with plenty left to spend on insurance, servicing or perhaps a few choice options. And for this money you can drive some of the best cars on sale today.

For these deals, we've used 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 total mileage limit of 30,000.


Peugeot 5008 Puretech 130 Allure

Target Price cost per month £341 Target Price (on the road) £27,133 The deal 3 years on a PCP finance deal at 5.9% APR

Peugeot is on a roll at the moment, having successfully reinvented both the 5008 and the smaller 3008 into muscular SUVs while also adding more tech and practicality. The 5008 is our reigning Large SUV of the Year, in fact, thanks to its spacious interior, flexible seating and competitive CO2 emissions.

Read our full Peugeot 5008 review, or see our latest 5008 deals


Volkswagen Polo 1.0 TSI 95 SE

 8: Volkswagen Polo 1.0 TSI 95

Target Price cost per month £194 Target Price (on the road) £14,490 The deal 3 years on a PCP finance deal at 5.2% APR and with £750 finance contribution

The Polo is the best small car you can buy right now, offering a superb interior that's surprisingly spacious, a peppy range of engines and impressive refinement. This 1.0-litre engine doesn't feel out of place on the motorway, while even SE models come with equipment including electric rear windows and an upgraded infotainment system.

Read our full Volkswagen Polo review, or see our latest Polo deals


Citroën Berlingo Puretech 110 Feel M

Citroën Berlingo 1.5 BlueHDI 130 Feel M EAT8

Target Price cost per month £279 Target Price (on the road) £18,151 The deal 3 years on a PCP finance deal at 4.9% APR and with £750 finance contribution

If you regularly need to travel with lots of people and their luggage, the Citroën Berlingo deserves a place on your shortlist. It's practically a train in its own right, with plenty of space inside, a peppy yet frugal 1.2-litre turbo petrol engine and a relaxing ride. We think it represents great value for money, which is why we named it our MPV of the Year.

Read our full Citroën Berlingo review, or see our latest Berlingo deals


So far, our finance deals have shown how you can drive a new car for far less than the cost of commuting on the train, but what if you want to buy your car outright? If that's the case, the used car deals on the next page are just what you're looking for.

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