Three ways to pay, one price.
"The difference is £125 a month, is it worth it" is the question buyers actually ask - not the OTR price. See a cash loan, PCP finance and a salary-sacrifice lease side by side for the same car, and move the sliders to your own numbers.
Your numbers UK
Three ways to pay UK
Cash and PCP borrow £29,700 over 48 months at 9.9% APR. PCP's loan is smaller because a 38% guaranteed future value stays unpaid until the end - that balloon is what you owe if you keep the car rather than hand it back. Salary sacrifice nets a £450/mo lease quote against the Income Tax and National Insurance it saves at your salary, then adds back the tax on the benefit itself.
Illustrative only - not a quote from any lender. APR and the PCP balloon are editable, sourced defaults (see the page below); a real offer depends on your credit file and the finance house's own rates that week. The salary-sacrifice card treats the car price above as the P11D value for tax purposes; the two differ by only a small first-year fee, which this estimate does not separate out. Company-car tax uses the 2026-27 rate for a zero-emission car (HMRC 480: Appendix 2). Not financial advice.
Work out the Income Tax and National Insurance saving on its own.
Source: representative PCP APR from moneysupermarket.com ; the 38% guaranteed-future-value default is the UK three-year electric-car residual average reported from Financial Times/Indicata data via carscoops.com, 30 May 2026. Default APR 9.9%. Updated 6 Sep 2026.