Six of the best: £700-a-month motors

Six of the best: £700-a-month motors
Six of the best: £700-a-month motors

If you’ve got the cash to spend, there’s no end of finance deals to help you spend it

Not many people can lay their hands on £700 a month to put towards paying off car finance. If you can, though, personal contract purchase (PCP) means you can get your hands on something you’d otherwise only be able to dream of.

Even if you’re minted, PCPs still make a lot of sense as they allow you to buy a car without tying up a load of cash in it. At the very top of the market, even the super-rich often favour this as a way of buying cars – on the basis that it liberates money that can be working harder for them elsewhere.

You don’t need to be that hard-nosed in order for a PCP to be right for you. The following half-dozen premium opportunities, based on three-year PCPs, illustrate that this kind of finance brings prestige motoring temptingly close to the reach of the (well-heeled) working man…

1: Audi Q7 3.0 TDI quattro S line

99374d9da554e37e082deb567ec9c8468c1be71f

Monthly payment: £606
Target price: £49,033
Deal: 6.3% APR, £1750 finance contribution
So long as you’re not planning to go off-road, the Q7 is one of the most complete 4x4s there is. It’s big, spacious, practical and steeped in luxury, with a supremely comfortable cabin delivering the classic high-set seating position of a great SUV.

2: Mercedes-Benz S 350 d SE Line L

67d7d412399b4296c5568f75e336f57bdab2756d

Monthly payment: £666
Target price: £50,726
Deal: 4.8% APR, £13,380 finance contribution
Whether you’re driving yourself or leaving your chauffeur to do the work, the S-Class is the definitive luxury car. It’s hugely roomy in the back, and you can spend five times as much and still not get a car that rides any better.

3:Volvo XC90 2.0 D5 Powerpulse Inscription AWD Geartronic

c7fff97fc02e9df71aef5ee729f9ec666978655c

Monthly payment: £645
Target price: £49,645
Deal: 5.9% APR
The latest in a long line of big Volvos, though this one’s more sleek and stylish and less tank-like. Its cabin is just as cool as its body, and it’s well equipped in addition to ticking all the safety boxes. The diesel engine is strong, and it handles tidily too.

4: Mercedes-AMG C 63 Estate

f956ef72abe3539a697851ea754e435c73b1b1ae

Monthly payment: £696
Target price: £55,230
Deal: 4.8% APR, £2267 finance contribution
The new E-Class was one of the it-cars of 2016, and in estate form it’s more practical but still just as stylish. Add the twin-turbocharged 4.0-litre V8 of the full-fat AMG version, and you have a family wagon that’s also a supercar slayer.

5: BMW X5 xDrive30d M Sport 7 seat

b748c960be50282712dd43790cd47bb20b446e0c

Monthly payment: £645
Target price: £50,776
Deal: 4.9% APR
The X5 was one of the first premium SUVs, and its name is still close to being a Hoover word for classy 4x4s. You sit up high in a cabin that’s big, classy and superbly put together – and these days it’s available as a seven-seater, too.

6: BMW 740e

ed30bc96251ec37d8728512251cddfacc826502d

Monthly payment: £666
Target price: £65,290
Deal: 0% APR
There might be something rather satanic about the monthly payment, but the plug-in hybrid version of the 7 Series is more angel than demon. It rides beautifully on a cushion of air and the official figures say it returns 134mpg.

2017's reliability winners and losers

Small cars are a growing sector, so we look at the most and least reliableThe UK market loves small cars, many of them city cars, and it’s

In pictures: LA Motor Show 2017

Report and pics from 2017’s last major motor showMotor shows tend to have a theme. Frankfurt 2017 was all about long-term electric plans.

Speed cameras explained

There are eight types of speed camera, and here they areWe all love to hate speed cameras, and we all tend to think they’re all called

Suzuki Jimny vs Range Rover

David vs Goliath. A 20-year-old little off-roader against a £100k luxury SUVAs the fourth-generation of Suzuki Jimny gather pace over