Best finance deals for 251

It’s the busiest time for new car sales in Ireland. The majority of new cars to be sold this year will finding their customers between now and March, and car brands know that it’s a good time to be dangling enticing deals in front of buyers’ eyes. Here’s our run-down of the best deals available for 251 registrations…
Alfa Romeo
Alfa Romeo is offering a 3.9 per cent APR hire purchase finance package on all of its models, including the new Junior electric crossover, and is throwing in a five-year warranty as standard as well.
Audi
Audi says it’s offering ‘attractive monthly pricing’ across its range, including the new A5 (which can be had on finance for €489 per month) and the all-electric Q6 e-tron SUV (€649 per month) and the best-selling Audi, the Q3 SUV which starts from €409 per month.
BMW
BMW has finance packages on offer from 3.9 per cent to 4.9 per cent APR which could put a new 1 Series hatchback on your driveway for €303 per month, or you could get the new X3 30e plug-in hybrid SUV for a competitive €559 per month.
Citroen
For most models, Citroen has a 3.9 per cent APR finance package in place, but if you want an electric e-C4 hatchback, that’s currently available with 0 per cent APR finance, with monthly repayments starting from €242 per month. That’s also available on the e-C4 X (€247 per month), and Citroen has a deal with energy supplier Energia which could get you a 20 per cent discount on your charging bills if you switch.
Cupra
Cupra’s finance packages run from 2.9 per cent to 3.9 per cent APR, although there is a 0 per cent APR offer for the outgoing 300hp Ateca SUV. The best value in the Cupra range is the Born electric hatchback, which can be had for €272 per month.
Dacia
Not only does Dacia have some of the best-value models on the market, it also has some of the most competitive finance packages around, including a 0 per cent APR hire purchase package that gets you a new Duster for €279 per month, or a 0 per cent APR, zero-deposit offer that puts you in a new Sandero for €534 per month. The new all-electric Spring is also available on the 0 per cent, zero-deposit offer for €499 per month.
Fiat
Fiat’s 251 offers include a 3.9 per cent APR finance package — either PCP or hire purchase across the range, with up to a €1,500 deposit bonus for the electric 600e, a deal with Energia for discounted home electricity, and a €500 Harvey Norman gift card.
Ford
Ford’s updated Kuga SUV is available on 0 per cent APR finance, for €259 per month, and Ford says that there are savings of up to €5,500 to be made. The electric Explorer is available on 3.9 per cent APR finance from €359 per month, while the Puma crossover is on 0 per cent APR finance, from just €159 per month. It’s also your last chance to buy a new Focus, which is also on the 0 per cent APR package, and can be had for €169 per month.
Honda
Honda is offering the same 4.9 per cent APR interest rate on its PCP and hire purchase finance, which means monthly payments for the compact Jazz model starting from €265, €416 for the Civic, €353 for the new HR-V hybrid SUV, €468 for the ZR-V and €581 for the CR-V.
Hyundai
Hyundai is giving you a choice for 251 registrations — you can either have a low interest rate (as low as 1.9 per cent APR for the Ioniq 5 and Ioniq 6 electric cars, 4.99 per cent for the ever-popular Tucson and the new Kona, and 5.99 per cent for the Santa Fe) or you can have a €500 gift card. Ioniq 5 pricing starts from as little as €239 per month.
Jeep
Jeep’s big offer for 251 is that it has equalised its prices for all versions of the compact Avenger SUV, which means you can choose from petrol, hybrid or fully electric for the same €29,995 starting price. There’s 3.9 per cent APR finance available across the entire range too, and a complimentary Energia home charging point for EVs.
Kia
Kia has a 0 per cent APR finance offer in place for its entire EV range (so that’s the EV3, EV6 and EV9) as well as the Niro EV and Sportage PHEV. For the rest of the lineup, there’s 3.9 per cent APR finance, with monthly repayments for popular models such as the Sportage starting from €336 per month.
Land Rover
Land Rover has a 4.9 per cent APR finance package in place, so you could get a Defender 110 for €980 per month.
Mazda
Mazda is offering a whopping €10,000 trade-in boost against its all-electric MX-30 crossover, with 5.9 per cent APR finance and monthly repayments starting from €360 per month. The CX-30 crossover is available on 3.9 per cent APR finance from €316 per month with a €2,000 trade-in boost, while the bigger CX-60 SUV gets the same €2,000 boost, 5.9 per cent APR and €556 monthly repayments. The Mazda3 hatchback is available on 4.9 per cent finance, with a €1,000 trade-in boost and monthly payments of €333 per month. The two versions of the Mazda2 come with 5.9 per cent finance, €750 trade-in boost and €248 per month (that’s for the petrol version) or 4.9 per cent finance, €1,000 trade-in boost and €252 per month for the hybrid. Meanwhile, the CX-5 and MX-5 get 4.9 per cent finance with monthly payments starting from €367 per month for the MX-5 and €432 for the CX-5.
MG
MG is offering a pre-paid digital gift card of €1,000 if you buy any of its new hybrid lineup — the MG 3, ZS and HS — and there’s €5,000 off the price of the entry-level MG 4 electric hatchback, bringing that car’s price down to €26,995. There’s also 0 per cent APR finance for the long-range Excite and Exclusive versions of the MG 4 (plus the same €5,000 discount).
MINI
MINI has 2.9 per cent APR finance available for the electric versions of the MINI hatchback and the Countryman SUV, or 4.9 per cent finance for the petrol-powered MINI hatch. Monthly repayments are individually tailored to each customer.
Nissan
Nissan Ireland is giving 251-plate customers its now-traditional offer of trading in for a new 261 model next year at no extra cost (that’s available for the Juke, Qashqai and X-Trail) or there’s 0 per cent APR finance for the all-electric Leaf, which has had its price trimmed to €23,495. There’s also 4.9 per cent APR finance across the rest of the range, or a trade-in booster of between €2,000 and €4,000 depending on the model.
Opel
The updated petrol and hybrid powered Corsa is available on 0 per cent APR hire purchase finance, including three years’ servicing, for €339 per month, while the same offer is in place for the petrol, hybrid and electric Mokka crossover for €395 per month. The Astra — hatch or estate, petrol, hybrid, or electric — starts from €400 per month with the same 0 per cent offer.
Peugeot
Peugeot has finance packages starting with APR interest as low as 1.9 per cent, which could put a petrol-powered 208 hatchback on your driveway for just €201 per month on PCP, or the new E-3008 electric SUV for €349. There’s also a free home charging point for EV buyers, and three years’ servicing included.
Renault
If you’re in the market for a new Renault, then you have a choice — you can either have 0 per cent APR finance, or you can get a cash trade-in bonus of €1,000 against a new Clio, or €1,500 across the rest of the range.
SEAT
SEAT has 2.9-4.9 per cent APR finance available across the range, plus three years’ tyre insurance and three years’ roadside assistance, starting from €239 per month for an Ibiza, €249 for an Arona, €349 for an Ateca, and €279 for a Leon.
Skoda
Skoda has 0 per cent APR hire purchase or 1.9-5.9 per cent APR PCP finance in place for almost all its models, with monthly repayments starting from €299 for the new electric Elroq, €449 for a Superb, €519 for a Kodiaq, €339 for an Enyaq, €379 for an Enyaq Coupe, €259 for an Octavia, €249 for a Kamiq, or €249 for a Scala.
Smart
Smart is offering savings of up to €9,800 on an electric #1 with 0 per cent APR finance available, and the same finance package available for the #3.
Subaru
Subaru has its all-electric Solterra SUV available on 3.9 per cent APR PCP finance with monthly repayments starting from €348.
Suzuki
The new Suzuki Swift can be had on 0 per cent APR PCP for as little as €215 per month, or the S-Cross SUV with a €2,000 discount on the same finance package for €275 per month.
Toyota
Toyota is giving buyers the choice of 4.9-5.9 per cent APR finance for its C-HR plug-in hybrid, or a €1,000 or €2,000 ‘Power-Up’ trade-in boost, depending on the model, with monthly repayments starting from €317 per month. The RAV4 PHEV can be had on 5.9 per cent finance or with a €1,750 trade-in bonus, with monthly repayments starting from €395. The Prius plug-in hybrid starts from €321 per month with either 3.9 per cent APR finance or a €2,500 ‘Power-Up’ discount, while the bZ4X electric SUV has 4.9 per cent APR finance and starts from €362 per month. The standard C-HR hybrid comes with either 5.9 per cent finance and €298 per month, or a €1,750 trade-in bonus, while the Corolla starts from €252 per month on 5.9 per cent finance, or with a €1,500 bonus. The Yaris hybrid has 5.9 per cent finance or a €750 boost, with monthly repayments of €217, while the Yaris Cross hybrid is on the same finance package and starts from €244 per month. The Corolla Cross is on 6.9 per cent finance with €305 monthly repayments, while the RAV4 hybrid is on the same 6.9 per cent rate with €350 monthly repayments. The Aygo X is on 6.9 per cent finance starting from €205 per month, and finally the non-hybrid version of the Yaris is on the same 6.9 per cent rate with €227 monthly repayments.
Volkswagen
Volkswagen’s 251 offers include 0 per cent APR hire purchase finance across the range, or PCP plans with interest of between 0.9 and 6.9 per cent (while the Taigo crossover actually has 0 per cent APR PCP available). Monthly repayments start from €229 for a Polo, €389 for a Golf, €259 for an electric ID.3, €269 for an electric ID.4, €279 for an electric ID.5, €409 for an electric ID.7, €269 for a T-Cross, €209 for a Taigo, €299 for a T-Roc, €409 for a Tiguan, €439 for the new seven-seat Tayron, or €1,219 for the big Touareg.
Volvo
Volvo has a 0 per cent APR hire purchase finance package for the electric EX30 crossover, with monthly repayments starting from €379. The larger EX40 and EC40 models are available in 1.95 per cent ARP PCP deals, with monthly repayments starting from €539. The XC60 SUV has a 4.95 per cent PCP deal in place, with monthly repayments from €795, while the bigger seven-seat XC90 gets 3.95 per cent PCP finance, with repayments starting from €1,107 per month. The V60 estate has the same 6.95 per cent PCP deal as the XC60, with monthly repayments from €714, and finally the big EX90 seven-seat electric SUV gets 5.95 per cent PCP finance, with monthly repayments from €1,266.