Tesla Model Y

Electric

SUV

Trim

RWD

List price: £44,990
Battery: 60 kWh
Efficiency: 3.8 mi/kWh
CO₂: 0 g/km
Insurance group: 38

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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

£8,341 per year

£695 a month · £41,706 over 5 years

Cost	Per month
Vehicle	£487
Energy / fuel	£38
Tax (VED)	£41
Insurance	£92
Breakdown cover	£5
Maintenance	£32
Total per month	£695
One-off / capital	£44,990
Total over 5 years	£41,706

Bought at 0y old for £44990
Sold after 5y for £15746

PCP

£7,916 per year

£549 a month · £23,749 over 3 years

Cost	Per month
Vehicle	£350
Energy / fuel	£38
Tax (VED)	£34
Insurance	£92
Breakdown cover	£5
Maintenance	£30
Total per month	£549
One-off / capital	£4,000
Total over 3 years	£23,749

PCP 36m @ £350/mo, £4000 deposit, £18000 GFV
If you keep the car: add £18000 balloon to TCO
Implied depreciation over hold: £24295
Warning: annual mileage 10000 exceeds PCP cap 8000

Lease (PCH)

£6,883 per year

£519 a month · £20,649 over 3 years

Cost	Per month
Vehicle	£320
Energy / fuel	£38
Tax (VED)	£34
Insurance	£92
Breakdown cover	£5
Maintenance	£30
Total per month	£519
One-off / capital	£1,980
Total over 3 years	£20,649

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

Hire purchase

£4,543 per year

£708 a month · £22,716 over 5 years

Cost	Per month
Vehicle	£500
Energy / fuel	£38
Tax (VED)	£41
Insurance	£92
Breakdown cover	£5
Maintenance	£32
Total per month	£708
One-off / capital	£2,000
Total over 5 years	£22,716

HP 48m @ £500/mo, £2000 deposit
You own the car at the end; residual £15746 offsets cost

Salary sacrifice

£5,173 per year

£431 a month · £15,520 over 3 years

Cost	Per month
Vehicle	£393
Energy / fuel	£38
Tax (VED)	—
Insurance	—
Breakdown cover	—
Maintenance	—
BIK tax	£45
Total per month	£431
Total over 3 years	£15,520

Gross sacrifice £600/mo over 36m
BIK 3% on £44990 → £45/mo tax
Net cost £393/mo (incl BIK)
Tax/maintenance/insurance assumed bundled in sal-sac scheme