Audi S3 Sportback

Petrol

Hatchback

Trim

List price: £48,150
Economy: 33 mpg
CO₂: 194 g/km
Insurance group: 40

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Compare ways to pay Against other cars New vs used

Typical cost by finance method

Illustrative only: uses placeholder quotes and default assumptions. Use the comparison wizard to put in your own numbers.

Cash

£10,591 per year

£883 a month · £52,953 over 5 years

Cost	Per month
Vehicle	£506
Energy / fuel	£179
Tax (VED)	£59
Insurance	£92
Breakdown cover	£5
Maintenance	£42
Total per month	£883
One-off / capital	£48,150
Total over 5 years	£52,953

Bought at 0y old for £48150
Sold after 5y for £17816

PCP

£10,049 per year

£726 a month · £30,146 over 3 years

Cost	Per month
Vehicle	£350
Energy / fuel	£179
Tax (VED)	£64
Insurance	£92
Breakdown cover	£5
Maintenance	£36
Total per month	£726
One-off / capital	£4,000
Total over 3 years	£30,146

PCP 36m @ £350/mo, £4000 deposit, £18000 GFV
If you keep the car: add £18000 balloon to TCO
Implied depreciation over hold: £24557
Warning: annual mileage 10000 exceeds PCP cap 8000

Lease (PCH)

£9,015 per year

£696 a month · £27,046 over 3 years

Cost	Per month
Vehicle	£320
Energy / fuel	£179
Tax (VED)	£64
Insurance	£92
Breakdown cover	£5
Maintenance	£36
Total per month	£696
One-off / capital	£1,980
Total over 3 years	£27,046

Lease 36m @ £320/mo, £1500 deposit
Excess mileage: 6000 mi × 8p = £480

Hire purchase

£6,161 per year

£877 a month · £30,803 over 5 years

Cost	Per month
Vehicle	£500
Energy / fuel	£179
Tax (VED)	£59
Insurance	£92
Breakdown cover	£5
Maintenance	£42
Total per month	£877
One-off / capital	£2,000
Total over 5 years	£30,803

HP 48m @ £500/mo, £2000 deposit
You own the car at the end; residual £17816 offsets cost

Salary sacrifice

£13,451 per year

£1,121 a month · £40,354 over 3 years

Cost	Per month
Vehicle	£942
Energy / fuel	£179
Tax (VED)	—
Insurance	—
Breakdown cover	—
Maintenance	—
BIK tax	£594
Total per month	£1,121
Total over 3 years	£40,354

Gross sacrifice £600/mo over 36m
BIK 37% on £48150 → £594/mo tax
Net cost £942/mo (incl BIK)
Tax/maintenance/insurance assumed bundled in sal-sac scheme