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 (i.e. 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 22 July, 2025.

Top 5 average cash discounts

The start of the third quarter of 2025 has brought another rise in average cash discounts. The overall average discount now stands at 7.0%, equating to £3,607 per car, up from 6.5% (£3,333) last month.

The most notable movement comes from electric vehicles, where discounts have jumped by 9% month-on-month, pushing the average saving to 7.2% (£4,023 per car). This boost continues to improve the value proposition of EVs at a time when affordability remains under the spotlight.

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There have been some significant shifts in cash discount over the past month. KGM has jumped from zero to £8,000 with factory-backed support on the Torres, while Dacia has more than doubled its contribution on the Spring.

At the other end of the scale, the Jeep Avenger sees a modest rise — dealer discounts have edged up from 3.75% to 4%, alongside a £345 increase in Jeep’s own support, now £5,250 per car.

Mercedes is pushing hard on the EQA, increasing its ‘agency sales’ saving by £1,000, taking it to £8,500. Meanwhile, although the Seat Arona’s dealer discount remains unchanged, manufacturer cash support has leapt by more than 77%, now sitting at £4,000 per car.

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

Many manufacturers are clearly positioning themselves for the upcoming September registration plate change, with notable increases in PCP support. As a result, all of our top five average PCP discounts now exceed 20%.

While average PCP discounts have risen across all vehicle segments, family cars stand out, with a month-on-month uplift of over 16% – now sitting at 12% or £4,217 per car.

Meanwhile, the average PCP APR has dipped from 5.7% to 5.5% across all fuel types. Hybrids are the exception, remaining unchanged at 5.5%. 

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

While only one of our featured models, the Audi Q2, has seen a reduction in APR this month (down from 9.9% to 8.9%), the average deposit allowance across all models in the table has surged by more than 81%, rising from £3,020 to £5,472.

This substantial jump highlights just how eager manufacturers are to boost perceived affordability in a still-challenging cost-of-living climate.

The Nissan Juke stands out with the biggest uplift, increasing its deposit contribution by a staggering 413% – from £750 to £3,850.

At the other end, the Cupra Born, while still offering strong value, has actually reduced in overall generosity, moving from a 0% APR and £4,500 deposit contribution last month to 4.9% APR and £7,000 this month.

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:

It’s not surprising that four electric cars are in this month’s table, as pressure from the ZEV mandate, the upcoming September registration change, and increased media focus on EV affordability are all driving up the savings dealers are willing to offer.

The Hyundai Santa Fe is a particularly notable entry — typically resistant to discounts, this month’s stock saving is more than 64% higher than the typical factory order discount.

It’s worth checking dealer websites and 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.

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

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

Market overview: discounts up, but confusion over EV grant

Quarter 3 2025 has finally brought some serious competitive movement, with 22 of our 37 featured manufacturers increasing their average total discount across their model ranges. GWM, KGM and Dacia lead the way, with an average 125% uplift compared to last month. At the other end of the scale, Land Rover, MINI and Renault have pulled back, reducing their average discounts by more than a third.

Brands that have yet to react (including Kia, Skoda and Volkswagen) are expected to step up their offers in the coming weeks as the market begins to feel the impact of this renewed pricing activity.

Meanwhile, there’s been plenty of talk about a new government-backed EV grant, with potential savings of up to £3,750 per car aimed at encouraging private EV buyers. However, the details remain unclear – and even under the most optimistic assumptions, only around 18% of EVs currently on sale would be eligible for any level of support.

Interestingly, Chinese brands like GWM, Leapmotor and MG have moved quickly to front-run the initiative, offering their own ‘grant’ savings of up to £3,750 on selected models. This proactive approach may be driven by expectations that they’ll be excluded from official grants due to complex emissions-based eligibility rules.

We’ll be watching closely next month to assess whether the new Government scheme gains traction – and how the rest of the market responds. 

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