But if you have a bad experience or just fancy a change, you might lose out more at the end of your agreement.
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Initially PCP car finance deals were mainly aimed at premium new market. As a result, it can be cheaper to buy a newer secondhand car on PCP than an older model in cash. One major advantage buying a used car with a PCP deal is that the monthly payments tend to be low. So a used car will hold more of the value from when you take out your agreement. But there are disadvantages.
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Factors like wear and tear become more important. Should you buy a car on PCP? What should you watch out for? How long a term should you choose? What other car finance options are there? Should you buy direct from a manufacturer PCP offer?
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Is it worth buying a used car via PCP? There may also be penalties if you try to end the PCP agreement prematurely. APR Rates? What is a Good Deal? The deposit amount: Can you get a manufacturer contribution, or save with a larger deposit amount? Are you saving by getting a better APR, or do you end up spending in other areas?
The final GMFV amount: Is the final value of your car realistic when it comes time to buy or trade in? Could used values suddenly drop, leaving you out of pocket if you decide to buy the car? The conditions of the agreement: Are you likely to exceed the milage limits? And avoid making any modifications or failing to repair damage which could cost you when the agreement is coming to an end? Insurance: Generally car insurance will pay out on the agreed value of the car at the time it is stolen or written off, which can leave you out of pocket on a PCP deal.
Gap insurance will increase the amount to the original sale price or the amount outstanding on finance. A longer PCP Car Finance Term means lower payments, but possibly more risks as well But this does mean more things can change during the agreement, including used car values. They may be cheaper whether or not you plan to own your car at the end of any agreement.
Loans: Personal car loans are available from a variety of places, including most banks and building societies. Leasing: Leasing is the other option to get behind the wheel of a new car. I don't have an account You need an account before you can save searches. Register Now. I don't have an account You need an account before you can save vehicles. Close this message. OK, got it. View details.
Representative example Monthly Payments of. Final Payment. Agreement Term Months. Cash Price. Total Deposit. Amount of Credit. Interest Charges. Total Amount Payable. Fixed Rate of Interest per annum. Administration Fees. Option To Purchase Fee. Annual Customer Mileage. More details Enquire now. Representative example. Select search.
You saved a vehicle You opted to save a vehicle to your garage. You can find your saved vehicles here:. Monthly Vehicle Variant Save. From advance payment. Advance payment Vehicle Variant Save. Brand new - order now. This vehicle has been reserved. This vehicle is now sold. This vehicle is no longer available. Monthly price POA. If you like the looks, the C-HR certainly stands out from the crowd. The Outlander received some significant styling tweaks for and the range now includes seven-seat, five-seat and plug-in Hybrid versions.
There is an updated 2. The batteries can be recharged using a normal household plug and can take up to five hours to fully charge. All Outlanders feature an extensive range of safety features including speed limiter, brake assist and hill start assist and seven airbags as standard, plus Mitsubishi's large SUV received the full 5 stars when tested by the Euro NCAP. The hybrid is a good choice for short to medium commuting distance, but for anything longer the diesel would be a better option.
Revamped last year, the ever evolving A3 is certainly holding its own within the Audi family, taking design inspiration from its considerably more expensive siblings. Changes to the exterior and interior are subtle but there now is a comprehensive range of engines including the 1. There is also two other petrol engines, a 1. The diesel models include the 1. On the road, the Audi A3 is not quite as forgiving as some rivals but it soaks up potholes and bumps well.
One of the most sophisticated hatchbacks around, the A3 exudes an air of quality and class but you will pay a premium for the badge so resist the temptation to add too many extras. Unrecognisable from the model it replaced, the current A-Class is longer, wider and slicker. It is not only one of the best-looking hatchbacks around but it is the most affordable car with a three-pointed star. Inside, the interior is a delicate mix of carbon-fibre trim and minimalist sophistication and is far more reminiscent of the SLS supercar than a traditional Mercedes. There's a good choice of petrol and diesel engines.
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The A-class is light and nimble with decent feedback from the steering and even at high speed it is quiet, while the ride quality is easily a match for rivals. A new Kuga has just arrived in showrooms around the country and benefits from a revised front end with tweaked grille design and LED headlights.
Overall it is more stylish with real road presence, whether at the school gates or in the supermarket car park. Changes inside are subtle but include a larger central interface screen that allows drivers to control audio and navigation functions, plus connected smartphones using simple, more conversational voice commands, with Ford's new SYNC 3 connectivity system. While the cabin feels roomier, it is by no means huge when compared to rivals.
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For , a 1. With a smart interior, stylish looks and a new range of efficient engines, the Kuga is a good choice for a family car. The baby Beemer is still one of most impressive hatchbacks on the road and is available in three- or five-door versions and three trim levels. There are a host of diesel and petrol engines to choose from and, regardless of which you opt for, its still one of the most engaging cars to drive, from the frugal to the blisteringly fast. This BMW is one for the single person or a couple without kids, so if you have yearned for the BMW badge and renowned driving dynamics but with a reasonable price tag, then this may just be the choice for you.
The CX-5 is due for replacement soon but still the SUV of choice if you want something that has the practicality and space of an MPV but with really good performance and economy. With rugged styling outside inside, the CX-5 can seat five people in comfort, while the litre capacity boot is a decent size. The CX-5 is offered in front-wheel drive or all-wheel drive versions. Engine options include 2. There are three trim levels available - Executive, Executive SE and Platinum - but each is well-equipped no matter which version you go for. Kia's latest model is the Korean car maker's first hybrid and sits between the Sportage and the Cee'd hatchback in its line-up.
Using a similar system to the Toyota Prius, the Niro combines a 1. Outside, the Niro has chunky styling and a high ride height, while inside the layout will be familiar to any Kia owner. Aimed at family buyers, there is plenty of space both front and back and the location of the battery means the boot is a good size. On the road the Niro rides well and there is little body roll when you corner. If you are looking for a spacious, refined and easy-to-drive SUV that happens to be cheap to run, Kia's newest addition is worth checking out.
If you've swapped city living for a life in the countryside, you'll love the CR-V.
For it was redesigned with a new diesel engine, nine-speed auto gearbox and a more engaging and refined driving experience. There is one engine available in the CR-V - a 1. Gearbox options include a six-speed manual and the nine-speed auto box. This 1. The compact SUV market is certainly a crowded one as motorists eagerly embrace these smaller, wallet-friendly crossovers. BMW offers two people carriers: the five-seat Active Tourer designed to appeal to young families who want a little more space, while the Gran Tourer is all about those crucial seven seats. At mm longer than the Active Tourer, there is decent space for three kids in the Gran Tourer, each with individual Isofix mountings and the optional third row can also accommodate two child seats.
Inside both there is also a huge amount of cubby holes and storage areas, where children's toys and books can be stowed easily, along with a host of other family-friendly features. On the road, both are certainly a more rewarding drive than many rivals so if driving dynamics is high on your list, the Active or Gran Tourer may be a pricey option but will definitely be a tempting alternative.
If you're moving to an MPV from something more sporty, then this could be the car that makes the switch just a little bit easier. The Tourer is stylish inside and out and good to drive but is pricey compared to rivals. The Touran has always been a sensible choice among growing families. A recent facelift gave a much-needed boost to the styling, eliminating the previous very boxy, utilitarian look and now offers sharper lines and better quality.
Inside, the extra space is put to very good use. The front two rows of seats are particularly spacious and all three seats in the middle row have an Isofix anchor point, while there are also two more Isofix anchor points on the back row, so in total you can fit five child seats. While the third row is only really suitable for small children, the seating arrangement is particularly good and all the rear seats can be folded completely flat with ease.
On the road it feels just like a large Golf, with good driving dynamics and excellent refinement.
There is a good choice of engines and three trim levels to choose from: Trendline, Comfortline and Highline. The new Touran is very practical, and good to drive and in many cases ticks a lot more boxes for a family car than more expensive SUVs. The Jaguar XE is one of the most striking-looking cars on the market. You certainly won't mistake it for anything other than a Jaguar. The signature honeycomb grille, distinctive air vents and clean, smooth lines add to the aggressive and sporty stance, while the rear light cluster pays homage to the iconic Jaguar E-Type.
Inside, it is smart and uncluttered, blending old-world with new technology but some switches and dials feel a little cheap compared to rivals. Space in the front is good, but headroom is a little tight, while both headroom and kneeroom are not overly generous for back seat passengers.
On the road Jaguar's XE is a serious sports car with sharp steering and great driving dynamics that offers decent fuel economy and low emissions. Just recently arrived in Ireland is Hyundai's latest addition to their range - the first car in the world to offer three electrified powertrains in one model.
Currently available as a hybrid model with a petrol engine combined with an electric motor or a pure electric EV version, a plug-in hybrid will join the range later this year. The Ioniq range is part of Hyundai Motor Group's overall plan of launching 28 eco-friendly cars by