Omoda & Jaecoo Finance UK: Omoda 5, E5 and Jaecoo 7
💡 Key Takeaway
Omoda and Jaecoo have passed 100,000 UK sales in under two years. Here's how finance works on the Omoda 5, E5, Omoda 9 and Jaecoo 7 in 2026.
Two years ago, almost nobody in Britain had heard of Omoda. In August 2026, the brand and its sister marque Jaecoo have just passed 100,000 UK sales — a milestone reached in under two years. 🚀
Both are owned by Chinese giant Chery. Omoda arrived in the UK on 31 August 2024; Jaecoo followed in January 2025.
Between them they now sell through more than 144 UK dealerships and hold a combined market share of nearly 5.7% — bigger than several long-established European brands.
If you're looking at one, here's how the finance side works.
The range in 2026
Omoda leans style-led crossover:
- Omoda 5 — petrol compact SUV, the volume seller
- Omoda E5 — the all-electric version ⚡
- Omoda 9 SHS-P — the flagship plug-in hybrid
Jaecoo goes rugged and practical:
- Jaecoo 7 — mid-size SUV, petrol and SHS-P plug-in hybrid
- Jaecoo 5 — the smaller sibling
The standout is the Jaecoo 7 SHS-P, which has been running as one of the UK's best-selling cars of 2026 — remarkable for a brand barely 18 months old here.
0% APR PCP — the headline offer
Omoda and Jaecoo have leaned hard into 0% APR PCP finance, extending the offer across much of the UK range through 2026 on selected petrol, EV and plug-in hybrid models.
That's aggressive, and it's a deliberate market-entry play: buy share now with subsidised finance, build the customer base, grow the residuals later.
For buyers, 0% APR is genuinely worth having — but check the detail. 🔍
What to look at:
- The deposit required to unlock the 0% rate
- The term it's tied to (shorter terms mean bigger monthlies)
- The mileage allowance and excess mileage pence-per-mile
- The GMFV / balloon payment at the end
- Whether a cash discount is available instead — sometimes the discount beats the free credit
The residual value question
Here's the honest bit, and it applies to every fast-growing new entrant.
New brands have short residual value histories. The used market hasn't yet had time to prove what a three-year-old Omoda 5 or Jaecoo 7 is really worth.
That affects PCP directly, because your monthly payment is built on the GMFV — the lender's forecast of the car's value at the end.
What it means in practice:
On a PCP, a conservative GMFV can push monthlies higher than the sticker price suggests. But the flip side is real protection: if values land lower than forecast, that's the lender's risk, not yours — you simply hand the car back. ✅
On HP or a cash purchase, you carry the depreciation yourself.
💡 For a brand still establishing its resale track record, PCP transfers the residual risk away from you — which is arguably the strongest argument for it here.
Warranty and running costs
Both brands compete hard on ownership cost, typically with long manufacturer warranties and generous standard equipment at the price point. Check the exact term and any servicing conditions attached at the point of sale, as campaigns change.
The SHS-P plug-in hybrids are worth a close look if you can charge at home — meaningful electric-only range for commuting, petrol for longer runs, and lower Benefit-in-Kind if you're taking one as a company car.
Dealer finance vs a broker
Manufacturer 0% campaigns are strong, but they aren't automatically the best outcome for every buyer.
Dealer/captive finance suits you if: you fit the campaign criteria cleanly, have the required deposit, and the 0% is available on the exact model and spec you want.
A broker can help if: you want a longer or shorter term than the campaign allows, need higher mileage, have a part-exchange with outstanding finance, or your credit profile means the headline rate isn't what you'd actually be offered.
The sensible move is simple — get both quotes and compare the total cost, not the monthly payment. 📊
Are they worth considering?
100,000 UK sales in under two years isn't an accident. The proposition is a lot of car, well equipped, at a sharp price, with 0% finance attached and a dealer network that's grown to 144 sites.
The trade-off is a shorter track record on residuals and long-term reliability data. For many buyers — particularly on PCP, where that risk sits with the lender — that's a very acceptable trade.
If you're weighing up an Omoda 5, E5, Omoda 9 or Jaecoo 7 and want to see how dealer finance stacks up against the wider market, We Finance Your Asset compares lenders for drivers in Reading, Berkshire and across the UK. Get in touch and we'll find the structure that fits. 🚙