Best cash and finance offers: save thousands on a new car

  • Get the best car for your budget with these deals
  • We’ve hunted down the biggest car discounts
  • 0% APR finance and large cash savings on offer

Choosing the right car for your needs is a big enough challenge, but how do you know that you’re getting the best deal?

We’ve done the hard work for you and fished out some of the best-value offers available this week – for those with cash to splash and anyone looking for a top car finance deal.

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With car finance splitting the cost of a new car into affordable chunks, the best deals mean that you can get a more upmarket or higher spec car than you might expect, all without breaking the bank. Below we’ve rounded up the best value offers – whatever your budget:

Check out some of our favourite new car offers below and work out how much you can afford to borrow with our finance tool*.

Remember to take a look at our car reviews section to read our expert verdicts on the models we've highlighted. And you'll want to check our top tips for getting the best car finance deal to ensure you get the most bang for your buck.

Plus you can always visit our cars for sale section for more local deals. Meanwhile, when you come to sell your current vehicle, make sure you get a free car valuation from us to ensure you get a good price.

Smart Fortwo with no deposit for just £118 per month

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Want the smallest car possible for a small monthly payment? How does a sub-£120-per-month Smart Fortwo sound?

The most basic Fortwo 71hp Coupe Pure could be yours for just £118 per month with no upfront deposit (on a four-year, 7,000-mile-per-year contract).*

Thanks to a £1,053 deposit contribution discount and interest-free credit, it’s good value even if you plan to buy it at the end of the contract. Pay the optional final payment and you’ll have stumped up just £8,824 – less than the list price.

Even bigger cash discounts are available on the Smart, however, so if you've got the money to hand, keep reading to find the same model for less than £8,300.

£500 discount on Suzuki Celerio city car means £79 monthly payments

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If the Smart's monthly payments are a little high for you, try this Suzuki for size, at a mere £79 per month thanks to a £500 discount.*

Yes, you have to put down a £1,938 deposit and spread costs over four years, but you’ll struggle to find a new car for less each month. If you do have the cash to hand, it’s also good value to buy outright at just £6,999.

£10,000 deposit contribution on luxurious Audi A7

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Think you can’t afford to run the £48,045 Audi A7 3.0 TDI ultra SE? How do monthly payments of £400 sound with a £5,800 deposit (48-month contract with a 10,000-mile-per-year allowance)?*

This comes courtesy of a huge £10,000 deposit contribution and reasonably low 3.9% APR. As a result, not only is the car good value on a monthly basis, but if you choose to make the optional final payment you’ll have paid £6,221 less overall than the list price to buy the car.

Skoda Kodiaq SUV with £2,000 deposit contribution and £1,000 off the price

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Up until now, the Skoda Kodiaq has been a pricey car to finance, with no discounts on offer and relatively steep 5.6% APR. However, Skoda has slashed monthly payments by around £60 across the range thanks to the addition of a £2,000 deposit contribution.

That means that the well-equipped and economical seven-seater 2.0 TDI 150 SE L DSG is now just £343 per month (on a 36-month, 10,000-mile-per-year contract with a £5,000 deposit) – down from £405 before.*

Meanwhile, the more powerful four-wheel drive seven-seat 2.0 TDI 190 SE L 4x4 DSG is £393 – £62 less than before. With this in mind, the Kodiaq is now one of the best-value medium-sized off-roaders that you can get your hands on – especially with a further £1,000 off and three year’s roadside assistance thrown in.

Discounts of £5,380 cut Volvo XC60 monthly payment to just £279

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If the Kodiaq is a little pricey for you, how does £279 per month for the outgoing Volvo XC60 D4 SE Nav sound?*

This model packs a punchy but economical diesel engine plus a comfy interior, but the real reason to go for this finance offer is the interest-free credit and £5,380-worth of discounts. These mean that you can change car sooner, handing the car back after just two years.

Yes, there is now a new XC60 out, but the cheapest model will still set you back around £200 per month more than this £279-per-month model, making this a far better value option.

Electric Renault Zoe: enormous £5,935 deposit contribution slashes monthly cost

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If you’re on a slightly tighter budget, the Renault Zoe is a great value choice – all thanks to a whopping £5,935 deposit contribution discount, which cuts the price by a third. As it's battery powered, it should prove equally affordable to run.

This supermini can cover up to 250 miles per charge – making it a realistic everyday car for many drivers. Monthly payments weigh in at £249 per month including battery rental on a three-year, 6,000-mile-per-year contract (with £2,499 deposit).*

Better still, you get a Chargemaster home charger thrown in for free.

Choose to make the optional final payment to buy the car at the end of the contract and you’ll have paid just £13,077 overall - £5,093 less than the list price.

Brand new SEAT Ibiza: free insurance and £2,000 in discounts

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Despite being one of the newest superminis around, you can already take advantage of £2,000-worth of discounts – and a year’s free insurance (even if you’re as young as 18) – by financing a SEAT Ibiza.

The expected bestseller – the 1.0 TSI 95 SE – will set you back just £179 per month on a four-year contract, with a £1,299 deposit and a 10,000-mile-per-year allowance. That’s thanks to £1,500 in deposit contribution and a further £500 off for taking a test drive.*

The Ibiza is also available with large cash discounts (see below), so if you’ve got enough money to hand you can save even more by buying it outright.

BMW 1 Series: £210 per month with £4,405 deposit contribution

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After a fun-to-drive but also economical five-door hatchback? The 1 Series Sports Hatch could be for you. In its most frugal 116d Sport diesel form this model returns a claimed economy of 72.4mpg, though it’s still reasonably nippy.

More importantly, thanks to a huge deposit contribution discount, monthly payments weigh in at just £210 on a four-year, 10,000-mile-per-year contract with a £4,000 deposit – not much for an upmarket, fun-to-drive hatch.*

BMW 320d: £6,402 slashed from the bill

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The larger BMW 320d M Sport Saloon gains a hefty dose of additional power and kit over the 116d. Despite that, it’s available with a bigger discount – courtesy of a £6,402 deposit contribution, which shrinks monthly payments to just £309 on the same terms (48-month contract, £4,000 deposit, 10,000 miles per year).*

Better still, make the optional final payment to buy the 320d at the end of the scheme and you will have saved £4,398 compared with paying cash upfront.

Cash deals: £7,223 saving on Ford Edge off-roader

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The Ford Edge is one of the more affordable large SUVs, but throw in savings of 22% and you can get a diesel model for just £25,076 – similar to many much smaller off-roaders.

With a comfy cabin, a reasonably potent diesel engine under the bonnet and a spacious, high-riding interior, this is a lot of SUV for the money.

Save £6,585 - more than 33% – on Nissan Juke

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Nearly £20,000 for a well-specified diesel Nissan Juke a little rich for you? Shop around online and you can save a third – equivalent to more than £6,500 – on a Juke 1.5 dCi N-Connecta.

That means that £13,200 gets you the keys to a brand new model – undercutting the petrol equivalent despite the petrol having a £1,410 lower list price to begin with – making it a much more appealing prospect.

Slash £4,863 from the bill on a brand new Nissan Micra

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The Juke isn't the only highly discounted Nissan. Despite a list price of £16,615, you can get a Nissan Micra 0.9 IG-T N-Connecta with Bose speakers for just £11,752 – a saving of 29% – making it a lot of car for the money.

With a punchy turbocharged petrol engine, plenty of standard kit and much sharper styling than before, this Micra is a small car that shouldn’t leave you feeling short-changed.

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Even more stylish – and even more affordable – than the Micra above, is the new SEAT Ibiza. Despite only recently arriving in showrooms, you can already save yourself thousands with the best cash discounts.

Go for the 1.0 TSI 95 SE – which offers a good blend of price, economy, performance and kit – and you’ll get change from £11,650 if you shop around online. That’s a huge amount of car for the money – and £2,952 less than the list price – making it great value.

Smart Fortwo for just £8,263 after 17% discount

The Smart Fortwo 1.0 Pure is hardly an expensive car to begin with at just £9,995. Add a £1,732 discount – unusually large for such a cheap car – and you can put a new Smart on the drive for well under £8,300.

With just two seats, a tight tiny circle and tiny dimensions, this Smart is a great car if you spend most of your time in the city and you’re a small, affordable and manoeuvrable motor.

Fiat shaves up to £5,115 off the list price of 2016 model year 500X

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Fiat has cut £3,468 to £5,115 off the price of 500Xs in stock. That means that you can get one of these models for just £14,817 for a 500X 1.6 e-TorQ 110 Pop Star.

You can also save £5,115 on a higher-spec 500X Cross Plus 2.0 MultiJet 140 auto, shrinking the price from £26,520 to £21,405.

Super-value superminis: Suzuki Baleno and Hyundai i20 for £9,995

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Suzuki is offering a substantial £2,000 discount on the entry-level Baleno 1.2 Dualjet SZ3 hatchback, which rivals the Skoda Fabia, slashing the price to just £9,999. The company has also cut £1,500 from the price of the rest of the range, making these good value cars even more affordable.

A bonus is that you can take advantage of this discount on Suzuki’s PCP finance scheme. Spread costs over 42 months and payments weigh in at just £165 per month with no deposit.*

Hyundai, meanwhile, will give you £1,610 to £1,715 off the price of the similarly sized i20 (above), cutting the starting price to a Baleno-matching £9,995.

Volkswagen Passat: £6,356 off on entry-level petrol model

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VW has only recently added petrol engines to the Passat range but even so, you can already find enormous savings online; a Passat 1.4 TSI 150 S will set you back just £16,179 – a discount of 28%.

Just over £16,000 for such a large, comfortable saloon makes it an interesting alternative for those who’d rather a grown-up, long-distance cruiser than the smaller hatchbacks available for a similar price.

Save more than £21,000 on Mercedes SL convertible

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Ignore the £75,855 list price. The two-seater Mercedes SL 400 AMG Line drop top could now be yours for £54,391 – a saving of 28%.

That £21,464 discount could get you a brand new Skoda Octavia vRS DSG – which is both practical and fun to drive – after a £6,282 discount of its own.

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*Deals are correct at time of publication. Everyone’s financial circumstances are different and credit is not always available – Parkers cannot recommend a deal for you specifically. These deals are indicative examples of some packages available this week.