Nobody likes paying more than they have to, so we’ve crunched the numbers to find 40 great 0% APR car finance deals. All offers here make use of Personal Contract Purchase (PCP) schemes, which offer reduced monthly payments. However, there will be final payment to make, should you want to keep the car after the finance agreement ends.
As with any finance product, always make sure you research what is affordable to you both now, and in case your circumstances were to change in the future. All the offers shown here are for illustration purposes only, are subject to status, and may be withdrawn at any time.
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Ford B-Max Titanium Navigator – £169 pcm
It might not be sexy, but the Ford B-Max does have sliding-door practicality. Titanium Navigator trim sounds fancy, and features 16in alloy wheels, climate control and a Sony navigation system.
You’ll need to find a £5,733 deposit here, and you’ll pay £169 for 36 months. Ford will also offer a £1,200 saving on selected models, while mileage of 9,000 per annum is included.
Nissan Pulsar DiG-T 115 Acenta – £169 pcm
Not everybody likes to stand out from the crowd, and the Pulsar slips somewhat anonymously into the family hatchback market. At least the Acenta has dual-zone climate control and 16in alloy wheels.
Nissan will offer you £500 to get into this Pulsar, but you’ll still need to find a £4,784.13 deposit to secure £169 per month for three years. Mileage is capped at 10,000 per year.
Renault Kadjar Signature Nav TCe 130 – £229 pcm
Taken by the Nissan Qasqhai, but wanting a mid-size crossover with more Gallic flair? If so, the Kadjar could be a strong contender with this 0% deal. Signature Nav includes a panoramic sunroof, Bose sound system, and full LED headlights.
Deposit £5,266 into the bank account of a Renault dealership, and you’ll be paying £229 per month for three years. As before, servicing for two years is included, and a 6,000-mile per annum limit applies.
Honda Jazz 1.3 EX – £189 pcm
Don’t save your pension, your grandchildren will only waste their inheritance once they get their hands on it. Instead, check out this deal on a new Honda Jazz, which includes five years’ complimentary servicing, said to be worth £1,195 alone.
A deposit of £2,761.06 unlocks this deal, and results in 36 monthly payments of £189. Contracted mileage stands at 10,000 per annum, but exceeding this costs just £0.03 a mile.
Toyota Yaris Hybrid Design – £189 pcm
As one of the smallest hybrids around, the Yaris has a certain niche appeal. On top of two years’ free servicing, you’ll also get privacy glass, 16in alloy wheels, cruise control and DAB multimedia system.
To pay £189 per month for 42 months, and cover 8,000 miles per year, you’ll need £3,501 for a deposit contribution. Toyota will also add in an extra £1,000 – how nice.
Jeep Grand Cherokee SRT 6.4 Hemi – £839 pcm
Buying a large SUV, powered by a giant 6.4-litre Hemi V8 engine, needn’t result in you paying more than 0% APR. But you’ll need the cash to fuel the Hemi’s thirst for unleaded.
Helpfully, Jeep will contribute £5,500 towards the deposit, along with an extra £2,500 discount for test-driving one before the 31st July. Buyers will then need their own £7,749 deposit, to secure paying £839 per month for three years. A 10,000-mile annual allowance applies.
Mazda 6 150ps Sport Nav Diesel – £259 pcm
Usually associated with business users, the Mazda 6 is available to private buyers with 0% APR deals. Sport Nav trim includes 19in alloy wheels, LED headlights, black leather seats and a Bose sound system.
You’ll need to make a substantial upfront deposit payment of £7,276.38, but Mazda will add an additional £2,500 to the deal. You’ll then spend 36 months paying £259, but a 9,000 miles per annum allowance applies.
Skoda Yeti Outdoor SE L Drive 1.2 TSI – £279 pcm
Time is running out before the Yeti becomes extinct, but there’s still time to bag a car from an era where Skoda still had a sense of fun. With a new Karoq on the way, the run-out Outdoor SE L is loaded with kit, including touchscreen satellite navigation, bi-xenon headlights and parking sensors.
Not only will Skoda contribute £1,500 as a deposit contribution, order by the 17th July and you’ll get £500 worth of free fuel, too. With a customer deposit of just £279, this will result in payments of £279 again for the next 42 months. This price includes an allowance of 10,000 miles per year.
BMW 730d M Sport – £520 pcm
Even high-flying executives can get in on the 0% finance deals and generous deposit allowances currently offered by BMW. The 730d M Sport would cost £70,300 in cash, but becomes less dramatic when financed over 48 months.
Buyers need a £8,587.40 deposit, with BMW topping things up with a further £10,936. Pay £520 per month for the four-year term, and keep the mileage below 10,000 per annum.
Lotus Elise Cup 250 – £0 pcm
The 0% finance deals offered by Lotus are slightly different than regular PCP deals, with no monthly payments, but the need to stump up half the the cost of the car from the outset.
For the Elise Cup 250, that means an initial payment of £23,275, followed by 23 months of paying absolutely nothing at all. Buyers will then, in theory, be in a position to pay the remaining £23,275, having had almost two years of interest-free motoring fun.