Best car deals: the biggest cash and finance discounts on new cars

New cars can be eye-wateringly expensive, so whatever model you're looking at and however you plan to pay for it, you won't want to pay over the odds. But it's not easy knowing exactly what a good deal looks like.

That's where our unique pricing data comes in, allowing us to reveal the cars with the biggest cash and finance discounts, so you know exactly what you should expect to pay.

Read on to find out how we calculate these discounts, what discounts brands are offering on the UK's most popular cars, the models with the most money off their list prices and some heavily discounted 'in-stock' deals.

Please note: the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.

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How we calculate new car discounts

We calculate new car discounts by combining real-world mystery shopping, detailed market research and rigorous validation. This includes analysis of dealer discounts, manufacturer incentives, PCP finance terms and other key factors that shape transaction pricing.

Unless otherwise stated, all manufacturer-related data and pricing apply to all UK franchised dealers. Dealer-related pricing discounts are based on a 'whole of market' view (i.e. achievable at any franchised dealer in the UK).

The result is data that reflects genuine, achievable discounts and finance offers, so you'll know how much you should be paying for your new car. 

All figures calculated 18 December, 2025.

Discounts on the UK's best-selling new cars

The list below is based on SMMT year-to-date (Jan-Nov 2025) sales figures, ordered by sales figures (high to low). For each model, we've listed typical cash and PCP discounts for petrol and electric/hybrid versions. As with all tables in this article, the figures are averages and obtainable, but you might have to haggle.

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Average cash discounts

Average PCP discounts

Discounts on the UK’s best-selling cars remain broadly stable in December, with only modest month-on-month movement across most models.

For cash buyers, mainstream petrol and hybrid cars continue to deliver average savings in the 6% to 9% range. The non-electric Ford Puma remains typical of the segment, with an average saving of just over 7%, while the Kia Sportage, Volkswagen Golf and Volkswagen Tiguan sit at similar levels.

Better cash savings are still available on value-focused and electric models. The non-EV Vauxhall Corsa and MG HS continue to stand out, both offering average discounts of more than 17%, while the Vauxhall Corsa EV again delivers the strongest reduction among best-sellers at over 21% off list price. The Ford Puma Gen-E EV also sees an improvement this month, with its average cash saving rising to nearly 17%.

On PCP, incentives remain competitive but more nuanced. While the Ford Puma EV shows a higher average discount than last month, its average monthly payment has increased slightly. This reflects a reduction in Ford’s optional final payment, rather than weaker dealer support.

Elsewhere, selective finance changes are having a noticeable impact: Volvo has lowered APRs and increased guaranteed future value (the defined residual value of the car at the end of the term) on the XC40, resulting in a significantly lower monthly payment despite only modest headline discounts.

Overall, December’s data shows a settled market, with EVs still receiving the strongest support and PCP affordability increasingly shaped by finance structure rather than discount alone.

Top 5 average cash discounts

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Strong discounts remain available on new cars in December, with electric models accounting for most of the largest savings across both cash purchases and PCP finance. Petrol and hybrid cars still feature, but the strongest incentives remain focused on EVs.

For cash buyers, the Jeep Avenger Electric e-Summit leads this month’s table with an average saving of £10,074, equivalent to 30.5% off list price. Electric models also dominate elsewhere in the top five, most notably the BMW iX, which shows an average saving of £19,450 despite its premium positioning, and the Cupra Born, with savings of more than £9,000.

Petrol-powered cars continue to offer strong value. The Peugeot 2008 Hybrid Allure averages a 25.5% saving, while the Vauxhall Corsa 1.2 Turbo GS delivers more than £5,100 off list price, underlining that meaningful discounts remain available outside the electric market.

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Top 5 average total PCP savings

On PCP finance, electric cars dominate December’s top five.

The Vauxhall Mokka Electric tops the table with a total saving of £13,282 (38.9%), bringing the monthly payment down to £274 on the stated terms.

The Vauxhall Corsa Electric and Peugeot e-208 also stand out, each offering total savings of around 30%, keeping monthly payments in the mid-£200s.

Hybrid and petrol models continue to receive targeted support, with the Nissan Qashqai e-Power and Volkswagen Golf 1.5 TSI rounding out the top five.

Confused about the different car finance products? Our expert guide to car finance explains all

In-stock deals

Dealers want to free up cash, so in-stock cars that they already own will sometimes come with a higher discount. That means you can often secure better savings compared to ordering a new build to your chosen specification.

However, there are some potential downsides to be aware of when buying in-stock cars:

• The choice of colour and specification may be limited
• Cars may be pre-registered, meaning you won't be the first recorded owner (this could impact the car’s future value when you come to sell)
• Savings may be tied to taking a manufacturer-backed finance offer – always confirm the details with the dealer
• The car may be located at a dealership a long way from you

Here are five standout in-stock deals that we’ve spotted from dealers advertising on car listing sites:

These five in-stock cars stand out for offering unusually large discounts against list price, without the wait typically associated with ordering a new car. All are available now from franchised dealers, making them particularly appealing for buyers looking to move quickly.

Savings range from 17% to nearly 28%, with electric and electrified models featuring strongly. The Citroën C5 Aircross Hybrid leads the group, offering close to £9,600 off list price. The Fiat 600e also delivers strong value, with more than 24% off, while the MG HS PHEV combines a sizeable saving with everyday practicality.

Higher-value electric cars also feature. The Kia EV6 GT-Line AWD offers almost £11,800 off, while the Audi Q6 e-tron shows that even premium EVs can attract five-figure discounts when dealers are keen to clear stock. It’s worth checking dealer websites and sites such as Autotrader and Carwow for in-stock new cars from various manufacturers.

If you find a strong in-stock offer, act quickly as these cars tend to sell fast.

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