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.

This month, we've also included the biggest cash and finance discounts on electric cars.

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.

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 24 October, 2025.

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Top 5 electric car discounts

Looking to benefit from cheaper running costs by going electric? These are the top discounts we found for new EVs.

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Top 5 average EV cash discounts

Top 5 average EV PCP discounts

Discounts on the UK's best-selling new cars

The list below is based on SMMT year-to-date (Jan-Aug 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.

Which? members can log in now to reveal the test scores and access the reviews below. Alternatively, sign up to Which? today to get instant access.

Average cash discounts

Average PCP discounts

This month’s data suggests that discounts on the UK’s most popular models remain strong overall, but there are early signs of tightening among several key brands, particularly Nissan.

Across the board, petrol models such as the Ford Puma and Kia Sportage continue to offer consistent cash savings of around 6-7%, roughly £2,000–£2,500 off list price. However, discounts on Nissan Juke and Qashqai models have narrowed, with reductions falling by around two to three percentage points compared with last month. Average savings now sit closer to 13-16%, down from 15-19%.

For hybrid and electric cars, incentives remain more robust. The Vauxhall Corsa EV still leads with savings of around 22%, while the Ford Puma EV continues to offer strong PCP value at an average £256 per month on a 2.9% APR deal.

Overall, manufacturers appear to be easing back slightly after the September plate-change push, especially on high-volume models. Even so, meaningful discounts remain available, particularly for buyers prepared to compare cash and PCP deals before ordering.

Top 5 average cash discounts

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Significant savings are available across petrol, hybrid and electric models, with discounts of up to 26% off list prices still achievable at franchised dealers.

For cash buyers, petrol cars lead the field. The SEAT Leon 1.5 TSI SE Dynamic and Peugeot 2008 1.2 Hybrid Allure are available with discounts of up to £8,102, while larger electric models such as the Ford Mustang Mach-E and BMW iX xDrive60 M Sport are being offered with reductions of up to 22.7% off list price, reflecting continued efforts to shift more expensive EV models.

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Top 5 average total PCP savings

On PCP finance, smaller and mid-size models continue to attract strong manufacturer support. The Vauxhall Corsa Ultimate, Audi A3 TFSI e Plug-in Hybrid, and Volkswagen Golf Life all deliver total savings of around 20-22%, keeping monthly payments competitive, starting from £235.

The latest figures point to a more balanced market. With the September plate-change period behind us, EV discounts have settled, and manufacturers are shifting more attention towards petrol and hybrids, with a plug-in hybrid and full hybrid models now featuring in our top 5 PCP discount table.

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:

This month’s in-stock new car data highlights some of the largest discounts currently available, particularly on electrified models. 

The standout deal is on the Peugeot E-3008 Allure, with a massive 34.8% saving, reducing its price from £46,810 to £30,495, one of the biggest real-world reductions seen on any new EV this year. Strong in-stock savings are also evident on plug-in hybrids, reflecting the increased incentives we’ve seen coming through with factory ordered hybrids, with the BMW X1 xDrive 30e M Sport and Skoda Kodiaq iV SE L DSG both showing discounts approaching 20%. 

Even sought-after electric models such as the Hyundai Ioniq 5 N Line are being advertised with price cuts of over £8,000, while the Volkswagen Tiguan eHybrid completes the top five with a 16% discount. 

The data shows how manufacturers and dealers continue to selectively use in-stock cars to drive showroom traffic, offering substantial savings for buyers who are flexible on specification and ready to act quickly. 

It’s worth checking dealer websites and 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 that you're keen on, act quickly as these cars tend to sell fast.

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