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.

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 25 November, 2025.

Best cheap cars: see the new and used models that aced our lab tests

Discounts on the UK's best-selling new cars

The list below is based on SMMT year-to-date (Jan-Oct 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 figures show that discounts on the UK’s best-selling models remain broadly stable, with only modest movements across most segments.

Petrol and diesel models continue to deliver savings of around 6-8%, with the Ford Puma, Kia Sportage and Volkswagen Golf all sitting in that range. The Hyundai Tucson offers slightly stronger value at just over 9% off list price, while MG HS and Vauxhall Corsa ICE continue to stand out with reductions of up to 18%.

Electric and hybrid models hold their position as the most heavily discounted, led once again by the Vauxhall Corsa EV with average cash savings of more than 21%. The Nissan Juke and Qashqai remain strong performers too, each offering over 15% off list price, although overall dealer support on these models appears to have levelled off after several months of steeper reductions.

On PCP,  incentives remain competitive across the board. The Ford Puma EV continues to offer one of the most appealing monthly payments at £267, while the Corsa EV has a significantly higher total saving of 33%, driven by stronger deposit support. The Nissan Qashqai and Volkswagen Golf also return sizable PCP discounts, helping keep monthly payments in the low-to-mid £300s despite rising list prices.

Overall, the market has settled into a more consistent pattern following the post-plate-change slowdown. Headline savings remain meaningful, particularly on EVs and popular hybrid crossovers, ensuring good opportunities for buyers considering PCP offers before placing an order.

Top 5 average cash discounts

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.

Significant savings continue across both cash and PCP deals this month, but the pattern has shifted towards smaller electric models, which now dominate both discount tables. With EV supply still healthy and demand uneven, dealers are offering big savings to keep sales moving.

For cash buyers, the Jeep Avenger e-Summit leads with a sizable 30.5% saving, closely followed by the Seat Leon and Cupra Born, all delivering discounts of more than a quarter off list price. Hybrid models aren’t far behind, with the Peugeot 2008 Hybrid GT still achieving close to 25% off its new price, maintaining strong value for buyers not ready to switch to electric.

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

On PCP finance, four of the top five models are electric, helped by significant dealer discounts and large finance deposit contributions.

The Vauxhall Mokka Electric and Peugeot e-208 stand out with 31-36% total savings, bringing monthly payments down to well under £350 despite their list prices. Audi’s Q4 55 Quattro also features prominently thanks to a high deposit allowance, pushing the total saving above £14,500.

This month’s figures show a market still geared towards promoting EV uptake, especially in the small and mid-size segments where supply remains good. At the same time, hybrids like the Nissan Qashqai continue to benefit from targeted support, keeping them competitive for buyers seeking lower running costs without going fully electric.

Overall, discounts remain strong and widespread as manufacturers strive to keep sales buoyant going into the slower winter trading period.

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 deals highlight how competitive retailers are becoming as they look to clear out stock before year-end. Discounts of around 17-19% on models such as the BMW X3 Plug-in Hybrid and Skoda Elroq show that hybrid and electric cars remain the most heavily incentivised when dealers already own the stock.

A 17% saving on a popular petrol supermini like the Volkswagen Polo is unusual, and it underlines why it’s always worth checking in-stock options before committing to an order.

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.

Be the first to read about the best car deals each month: get your free Cars newsletter.