Seat Leon

Petrol

Hatchback

Trim

List price: £30,000
Economy: 45 mpg
CO₂: 132 g/km
Insurance group: 18

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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

£6,717 per year

£560 a month · £33,583 over 5 years

Cost	Per month
Vehicle	£315
Energy / fuel	£131
Tax (VED)	£18
Insurance	£48
Breakdown cover	£5
Maintenance	£42
Total per month	£560
One-off / capital	£30,000
Total over 5 years	£33,583

Bought at 0y old for £30000
Sold after 5y for £11100

PCP

£8,411 per year

£590 a month · £25,233 over 3 years

Cost	Per month
Vehicle	£350
Energy / fuel	£131
Tax (VED)	£19
Insurance	£48
Breakdown cover	£5
Maintenance	£36
Total per month	£590
One-off / capital	£4,000
Total over 3 years	£25,233

PCP 36m @ £350/mo, £4000 deposit, £18000 GFV
If you keep the car: add £18000 balloon to TCO
Implied depreciation over hold: £15300
Warning: annual mileage 10000 exceeds PCP cap 8000

Lease (PCH)

£7,378 per year

£560 a month · £22,133 over 3 years

Cost	Per month
Vehicle	£320
Energy / fuel	£131
Tax (VED)	£19
Insurance	£48
Breakdown cover	£5
Maintenance	£36
Total per month	£560
One-off / capital	£1,980
Total over 3 years	£22,133

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

Hire purchase

£5,917 per year

£745 a month · £29,583 over 5 years

Cost	Per month
Vehicle	£500
Energy / fuel	£131
Tax (VED)	£18
Insurance	£48
Breakdown cover	£5
Maintenance	£42
Total per month	£745
One-off / capital	£2,000
Total over 5 years	£29,583

HP 48m @ £500/mo, £2000 deposit
You own the car at the end; residual £11100 offsets cost

Salary sacrifice

£9,712 per year

£809 a month · £29,136 over 3 years

Cost	Per month
Vehicle	£678
Energy / fuel	£131
Tax (VED)	—
Insurance	—
Breakdown cover	—
Maintenance	—
BIK tax	£330
Total per month	£809
Total over 3 years	£29,136

Gross sacrifice £600/mo over 36m
BIK 33% on £30000 → £330/mo tax
Net cost £678/mo (incl BIK)
Tax/maintenance/insurance assumed bundled in sal-sac scheme