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, the models with the most money off their list prices and the 'in-stock' deals that could save you even more.

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 (ie achievable at any UK franchised dealer).

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 23 June, 2025.

Top 5 average cash discounts

According to our most recent market data, the following cars have the biggest discounts when making a cash purchase (i.e. paying for the car in full). These discounts combine our calculations of typical dealer margins and manufacturer savings.

There has been a marginal increase in average cash discounts over the last quarter, rising from 6.4% (£3,292 per car) to 6.5% (£3,333 per car) across all fuel types. The biggest increase has been on electric cars, where discounts rose from 6.2% (£3,567 per car) to 6.6% (£3,738 per car).

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Over the last quarter, the Jeep Avenger has seen an increase in both dealer discounts (up from 3.8% to 4%) and manufacturer discounts, which have risen from £4,905 to £5,150 per car. There has been no change to discounts on the Ford Mustang Mach-E.

Dealer discounts on the Peugeot 2008 and BMW i5 have remained static, but manufacturer discounts increased from £3,450 to £3,950 on the 2008, and from £3,000 to £5,500 on the i5.

For the Nissan Qashqai, manufacturer discounts remain at £2,000 per car, but the average dealer discount has grown from 6.5% to 7.3%.

Of course, a big discount doesn’t necessarily mean you're getting a good deal, just that, for whatever reason, the manufacturer has decided to heavily discount the list price. And while some are Best Buys, others didn't score particularly well in Which? tests, so it pays to read our reviews before buying.

Best cheap cars for 2025: whether you're buying new or used, see the cheaper models that scored best

Top 5 Average Total PCP Savings

Average savings on PCP finance deals remain unchanged this quarter at 8.9%, or £4,584 per car (previously £4,576). Diesel savings have improved from 7.4% (£4,381) to 7.8% (£4,681), while hybrid savings have dipped from 8.6% (£4,752) to 8.3% (£4,619). Electric car savings continue to lead, edging up from 9.7% (£5,535) to 9.9% (£5,575) per car.

The average PCP APR is marginally higher, up from 5.6% to 5.7%, with the sharpest increase on electric cars - up from 2.7% to 3.5% - suggesting manufacturers are starting to feel less pressure to chase sales.

Below we’ve listed five PCP finance offers that caught our eye.

The mix of fuel types in the top five PCP savings shows that manufacturers are actively incentivising sales across the board and not just for electric cars. Total savings are up by an average of 2% (£860 per car) compared to the last quarter of 2025, with the exception of the Nissan X-Trail, which sees a drop of 1.2% or £500.

While the average PCP APR has dipped from 6.3% to 6.1%, two models stand out. The Peugeot 208’s APR has dropped from 10.9% to 6.9%, backed by an extra £250 deposit contribution. In contrast, the Mercedes EQA’s APR has risen from 0% to 3.9%, though this is offset by an additional £1,000 saving.

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:

These are all popular models where dealers are often reluctant to offer big discounts on factory orders, as strong demand means they don’t need to. However, offering special discounts on a handful of in-stock versions helps generate interest - with many customers ultimately ordering a new factory-build instead.

It’s worth checking dealer websites and classified sites such as Autotrader for in-stock new cars from various manufacturers. If you’re planning to order a car, always ask whether there’s an in-stock alternative with a better deal available. And if you find a strong in-stock offer, you may need to act quickly as these cars tend to sell fast.

To find more deals on in-stock cars, head to sites such as Autotrader and Carwow, using the filters to set the mileage to under 100 miles (note that Carwow doesn't let you set the minimum mileage this low, but you can order your results to show those with the least mileage first).

Best cars for 2025: view the models that scored best in our tough lab and road tests

Market overview: EVs in focus

The new car market is currently in a period of consolidation, with the overall value for buyers holding relatively steady in recent months. Manufacturers and dealers appear to be assessing the level of natural demand ahead of the critical third quarter, particularly the September plate change.

Most of the key figures we track, such as average cash discounts, finance deposit allowances and total PCP savings, are showing only marginal movements – either slightly up or down. The one exception is the average PCP APR, which has risen more noticeably from 3.9% to 5.7% over the last quarter.

Despite this, our research shows that many dealers are willing to offer higher discounts than those advertised on popular car-buying platforms, often significantly so. The message for consumers is clear: don’t assume a deal is the best available just because it looks generous online. It’s well worth negotiating further directly with dealers and consulting the pricing on Which? car reviews.

At the time of writing, eight manufacturers (BYD, Fiat, Mazda, Omoda, Polestar, Smart, Tesla and Toyota) are offering average PCP APRs below 3%. Of these, Fiat, Polestar and Tesla have interest-free finance available on selected models.

Electric cars continue to lead the way in terms of discounts, with average savings of 9.9% or £5,575 per car. However, the pace of increase of those savings is starting to slow. That trend may reverse if demand doesn’t pick up in July in the run-up to the September plate change.

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