Volkswagen Golf: £165 per month

That generous deposit contribution confirms that the current VW Golf is soon to be replaced. A facelifted version is coming, but this existing Mk7 model has the same core virtues – a smooth ride, great build quality, generous equipment and a wide choice of efficient engines. The 1.4 petrol featured here is the best all-rounder, while mid-range Match trim brings plenty of safety kit, including adaptive cruise control and parking sensors all round.

Model: Volkswagen Golf 1.4 TSI Match EditionMonthly payments: £165List price: £20,965Aim to pay: £15,496Deposit: £5,110Deposit contribution: £3,250No of payments: 47APR: 6.2%  Optional final payment: £7,252Total amount: £20,117