Kia Optima 1.7 CRDi ‘2’

£265 per month with a £4,850 deposit (4.9 per cent APR)

The Kia Optima is a left-field choice in the family car segment, but it has always represented good value. In basic ‘2’ spec, it includes sat-nav, cruise control and 17-inch alloys. The 1.7-litre CRDi engine is frugal, too, with economy of 67.3mpg. Kia is currently offering a £1,000 deposit contribution for Optima PCP deals, plus there’s the brand’s excellent seven-year warranty.

Model: Kia Optima 1.7 CRDi ‘2’Monthly payments: £265List price: £21,495Aim to pay: £19,500Deposit: £4,850Deposit contribution: £1,000No of payments: 36APR: 4.9%Optional final payment: £7,836Total amount: £22,241

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