Best Electric Car PCP Deals - September 2025
Electric car PCP deals are here to help motorists get behind the wheel of a new EV as cheaply as possible.
One big sticking point of switching to an electric vehicle is high list prices. The government knows this, too, and has recently introduced the Electric Car Grant, which gives eligible models that cost less than £37,000 a discount of up to £3750. New models that have the high £3750 discount or lower £1500 contribution are added to an official list regularly.
We're here to show how affordable an EV can be, and have rounded up the best electric car deals regardless of their Electric Car Grant status on offer in the UK. Many electric cars are available with PCP car finance. These are a long-term financial agreement that comprise an up-front deposit and monthly payments over a set period of, say, two to five years. Often, the lender applies interest to the loan, but many EVs benefit from 0% APR to encourage drivers to make the switch.
At the end of the finance deal, buyers can hand the car back with nothing more to pay, buy the car outright by paying off a lump sum, or - most often - use the collateral in the car to put towards another new-car PCP deal.
Electric car deals are also available on outright hire purchase (HP) packages, while other deals simply offer considerable up-front savings for those who may want to pay cash.
Why are electric car finance deals so appealing?
Electric car finance deals are designed to help make the higher up-front cost of EVs more manageable. And yes, that also includes the government's Electric Car Grant. This discount would be included if you opt for PCP, so spreading the payments over several years takes away the ‘sticker shock’. Add in the considerable savings you get from running an EV – charging from home is far cheaper than filling up with petrol and diesel – and electric car deals help turn EVs into real money-savers.
Carmakers are tied to the new ZEV Mandate, which means all car brands have to sell a certain number of electric cars each year or face fines. That's good news if you're looking for a deal, as incentives like 0% APR, deposit contributions and free home chargers are all being offered to encourage drivers to switch to EVs, in addition to the government grant, which is part of a larger package of measures to make electric cars easier to live with.
Best of all, an appealing electric car deal means you can get into a future-proof car for far less than you might expect. Check out the electric car deals here to see how much you can save!
Best electric car PCP deals in September 2025
Kia EV3 Air for £504 a month with £3750 deposit contribution and zero deposit required
The Kia EV3 follows on from the larger Kia EV6 and Kia EV9 as another very strong electric car offering. It has a great range whether you opt for the larger battery option or not, and has distinctive styling that sets the EV3 apart from just about everything else on the road. A nice, lounge-like interior and plenty of practical touches mean the EV3 should be on every family's electric car shopping list.
Kia is currently offering a £3750 deposit contribution on entry-level EV3 Air models, plus the option of not paying a deposit, which takes monthly payments to just over £500 on a three-year deal. The rest of the range gets £1500 towards your deposit.
- OTR price: £33,630
- Deposit: £0 (+ £3750 Kia deposit contribution)
- Monthly payments: 36 x £503.40 (£18,122.40)
- Optional final payment: £14,387
- Total payable: £36,259.40
- Mileage per year: 10,000
- Representative APR: 3.9%
- Deal ends: 30 September 2025
MG4 SE for £199 per month with 0% APR, £3250 deposit contribution and £1500 MG Electric Car Grant
We’ve said that the MG4 is the best budget electric car, and when it’s available with 0% APR it’s even more attractive. You can drive around in an MG4 SE 125kW 51kWh model from just £199 per month, and if you want the more powerful, longer-range models then they’re just £219, £259 or £299 respectively. Customer deposits start at just over £4700, too.
To clear stocks of the MG4 ready for the arrival of the latest model, which has just gone on sale in China, MG is offering a £3250 deposit contribution on the MG4 range of you opt for 0% APR financing. You also get a £1500 MG Electric Car Grant, which mirrors the government's new electric car discount initiative.
- OTR price: £27,245
- Deposit: £4739.50 (+ £3250 MG deposit contribution and £1500 MG Electric Car Grant)
- Monthly payments: 48 x £199 (£9552)
- Optional final payment: £8203.50
- Total payable: £27,245
- Mileage per year: 8000
- Representative APR: 0%
- Deal ends: 30 September 2025
BMW iX xDrive45 M Sport for £899 a month with £8915 discount
The BMW iX, just like its excellent electric range mates the BMW i4 and BMW i7, is one of the most refined cars on sale today. Its smooth electric powertrain keeps noise to a minimum, allowing you to focus on enjoying things like the excellent, futuristic interior, and the fact that if you're sitting in it, you're not having to look at the iX from the outside.
We've chosen a deal on the iX xDrive45 at £899 a month on a four-year deal, with a reasonable APR of 5.9% and a sizeable BMW sales offer of £8915. If you're feeling the need to head further up the iX range, the iX xDrive60 M Sport deal starts at £1049 a month with a massive £14,655 discount.
- OTR price: £70,390
- Deposit: £10,126.08 (+ £8915 BMW deposit contribution)
- Monthly payments: 47 x £899 (£42,253)
- Optional final payment: £28,309.63
- Total payable: £80,688.71
- Mileage per year: 10,000
- Representative APR: 5.9%
- Deal ends: 30 September 2025
Tesla Model 3 Rear-Wheel Drive for £299 a month with 0% APR and £3000 deposit contribution
As a product in isolation, the Tesla Model 3 is a great choice of electric car, just like its family SUV relative, the Tesla Model Y. All models feature a great range, meaning anyone swapping from a combustion-engined car is unlikely to feel the twinge of range anxiety. The recent facelift has only served to enhance its appeal.
Also adding to the Model 3's charm are some competitive Tesla finance offers. You can get a Model 3 Rear-Wheel Drive for just £299 a month thanks to a £3000 deposit contribution, plus it's 0% APR over 48 months, too.
- OTR price: £39,980
- Deposit: £8641 (+ £3000 Tesla deposit contribution)
- Monthly payments: 48 x £299 (£14,352)
- Optional final payment: £17,296
- Total payable: £39,990
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 30 September 2025
Skoda Elroq SE L 85 for £370 a month with 0% APR
The Skoda Elroq is the firm's latest EV and the smaller sibling to the Skoda Enyaq. The Elroq is perfect for small families as it has loads of interior space, it's pretty fun to drive and boasts a great range, especially now you can get the larger 82kWh battery in the cheaper SE L trim.
Skoda is offering a choice of PCP deals on the Elroq. There's a £2750 deposit contribution on a four-year 6.4% APR deal, making an SE L 85 £365 a month, or 0% APR over a 36-month term. There's a generous 10,000-mile annual limit, too, and we're featuring the Elroq SE L 85 here as it's the cheapest way to get the long-range battery. You can also pick up the car's first two services for a flat fee of £199.
- OTR price: £37,060
- Deposit: £6670.95
- Monthly payments: 35 x £369.17 (£12,920.95)
- Optional final payment: £17,468.10
- Total payable: £37,060
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 30 September 2025
Hyundai Ioniq 5 Advance for £612 per month with 0% APR, £1000 deposit contribution, zero deposit required and £1500 Hyundai Electric EV Grant
Is it a hatchback? Is it a SUV? Whatever it is, the Hyundai Ioniq 5 joins electric siblings like the Hyundai Inster, Hyundai Kona Electric and Hyundai Ioniq 9 as one of the most distinctive cars on sale today, electric or otherwise. It's not just about looks, either. Substance comes thanks to a great electric range, spacious interior and lots of standard equipment, even on the entry-level Advance models.
This Ioniq 5 Advance is on offer with two deals. There's the 36-month 0% APR offer below, which also can be had with zero customer deposit required, and a 48-month 4.9% APR deal with a £2000 deposit contribution. Both also get a £1500 Hyundai Electric Car Grant, which mirrors the government's second tier Electric Car Grant saving.
- OTR price: £38,495
- Deposit: £0 (+ £1000 Hyundai deposit contribution and £1500 Hyundai EV Grant contribution)
- Monthly payments: 36 x £611.15 (£22,001.40)
- Optional final payment: £15,493.75
- Total payable: £38,495
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 30 September 2025
Volvo EX30 Plus for £249 per month with 0% APR and £1500 deposit contribution
The Volvo EX30 is a compact family EV with a stylish exterior design, decent electric range and a quality interior. The EX30 does have just a few minor niggles, like its over-reliance on the centre touchscreen, but otherwise is a good electric compact family SUV choice.
As long as you're OK to buy from stock, you snap up a £1500 discount and 0% APR finance, provided you go for a mid-range Plus or top of the range Ultra model. Entry-level Core cars get the same discount but 2.9% APR on your PCP. The slightly more rugged EX30 Cross Country is 5.9% APR with the same discount.
- OTR price: £33,660.01
- Deposit: £7500 (+ £1500 Volvo deposit contribution)
- Monthly payments: 47 x £248.23 (£11,666.81)
- Optional final payment: £14,244.75
- Total payable: £33,660.01
- Mileage per year: 6000
- Representative APR: 0%
- Deal ends: 30 September 2025
Volkswagen ID.7 Pro Match Plus for £430 per month with 0% APR and £1000 deposit contribution
The Volkswagen ID.7 Tourer is proof that there's life in the old estate car yet, even after the switch to electric. The ID.7 Tourer is very comfortable and quiet to drive and has plenty of standard equipment. If you need less space, there's always the Volkswagen ID.3, or if you need more, there's the Volkswagen ID.Buzz, but, as you might expect, an ID.7 Tourer offers excellent space for passengers and has a boot that can swallow any and everything.
VW offers two deals on the ID.7 Tourer. We've picked the cheapest option, the ID.7 Tourer Pro Match Plus, which comes with a 0% APR over 36 months deal with a £1000 deposit contribution. There is also a 48-month deal at 6.9% APR with £2000 chipped in towards your deposit, making the customer deposit required significantly less.
- OTR price: £51,795
- Deposit: £11,913.05 (+ £1000 Volkswagen deposit contribution)
- Monthly payments: 35 x £429.87 (£15,045.45)
- Optional final payment: £23,836.50
- Total payable: £51,795
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 30 September 2025
Renault 5 Evolution 40kWh Urban Range for £146 a month with 0% APR and £1500 Electric Car Grant
It's always a risk when you resurrect an iconic model from your past. However, the new Renault 5 more than does justice to its supermini predecessor. Rather than using the same name but a clean slate, as with the Renault Scenic E-Tech and Renault Megane E-Tech, the new 5 is an update of the old model's design, making it feel both retro and futuristic at the same time, while the 5's ride and handling are well judged. It's good value, too.
Right now, Renault is offering the 5 with a two-year 0% APR PCP deal, and the whole range qualifies for the government's 'band two' Electric Car Grant of £1500. The downside is the minimum 30% deposit, but OTR prices aren't too steep. There's also a 5.9% APR deal with up to £500 deposit contribution over 48 months.
- OTR price: £21,495
- Deposit: £6449
- Monthly payments: 24 x £146 (£3504)
- Optional final payment: £11,550
- Total payable: £21,495
- Mileage per year: 6000
- Representative APR: 0%
- Deal ends: 30 September 2025
Citroen e-C3 Plus for £236 a month with 0% APR and £1500 Electric Car Grant
The Citroen e-C3 has plenty of appeal. It's small, characterful and easy to forget that it's electric. That's not to damn the e-C3 with faint praise, but rather to emphasise the fact that it has enough range for most journeys and doesn't cost a significant premium over its combustion-powered sibling. Need more space? The Citroen e-C3 Aircross has you covered.
All e-C3 models qualify for the government's £1500 'band two' Electric Car Grant, and all are currently available with 0% APR, providing you can sump up a minimum 20% deposit. On the Plus model we've chosen, that's just over £4000, which doesn't place the e-C3 too far out of reach.
- OTR price: £20,595
- Deposit: £4119
- Monthly payments: 23 x £235.91 (£5425.93)
- Optional final payment: £11,050
- Total payable: £20,595
- Mileage per year: 8000
- Representative APR: 0%
- Deal ends: 30 September 2025
Electric Car PCP Deal FAQs
The UK Electric Car Grant is a £650 million fund intended to make buying a brand-new electric car more affordable and encourage people to switch to an EV before new petrol and diesel car sales are phased out in 2030.
The maximum grant amount is £3750 off the car's OTR price, although a £1500 grant is available for models that partially meet the scheme criteria. Carmakers have to apply to add their models to the scheme, and only models that cost £37,000 or less are eligible, along with other conditions in order to qualify for the full amount.
Applications began on July 16, and the first models to qualify will be announced on August 11. However, carmakers including Leapmotor, GWM, Skywell, Smart, Hyundai and Volvo have all announced equivalent grant discounts so you don't have to wait to get behind the wheel of a shiny new EV at a discounted price.
Electric car finance helps make EVs more affordable by spreading the payments over several years. This offsets the fact electric cars oftne have higher prices than petrol and diesel cars. What's more, because the vast majority of new-car buyers use PCP to get behind the wheel of a new car, and carmakers want more people to switch to electric cars, there are some fantastic deals on EVs available, including 0% or low APR offers, significant deposit contributions that can mean you don't need to stump up any more than the monthly payments, and other incentives like free home chargers or charging credit to help get you on your way.
To help encourage new-car buyers to make the switch to driving an electric car, car manufacturers frequently offer competitive deals on EVs. These are often extremely tempting, and are aimed at turning the heads of even the most sceptical drivers who aren't planning to go electric any time soon. That's because, as part of the Zero Emissions Vehicles mandate, carmakers must sell a certain percentage of electric cars as part of the total fleet of new cars they sell in the UK or face significant fines.
Yes, is the simple answer. Providing you pass a credit check, which is standard practice with setting up all PCP agreements, getting a used electric car with a PCP requires the same process as with a petrol or diesel-powered model. If you're looking to buy a used electric car, it's worth bearing in mind how much of the car's battery warranty is remaining. Generally, although this varies a little between car makes and models, a battery warranty should cover the car's first eight years or 100,000 miles, so opting for the newest electric car with the fewest miles is worth considering. Luckily, there's more and more used EVs available, which helps make prices more affordable, too.
Buying an electric car can be daunting for a number of reasons, ranging from the fact that an EV drives differently to the fact that recharging it requires a different approach from filling up a conventional car with petrol. However, one thing that isn't different is the fact that electric car finance works just like any other type of car finance. The vast majority of new cars in the UK are bought using PCP, and that's the most common type of electric car finance, too. Electric car HP, or hire purchase, is also popular, and there's also the option of Personal Contract Hire, commonly called leasing, if you don't need the option of owning the car.
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