If you’re in the market for a new car, you might be tempted by a 0% finance deal. Over the course of the agreement, typically between 12 and 60 months, you’ll pay no more than the original list price. We’ve included typical examples, but you should consult your local dealer for more information. In the case of a Personal Contract Plan (PCP) deal, you’ll be restricted to a set number of miles per annum, while a hire purchase agreement lifts the restriction. Read on to discover 50 cars you can buy with 0% finance.
Alfa Romeo MiTo Progression
The Alfa Romeo MiTo might not be the best supermini you can buy, but it’s one of the best looking. Right now, Alfa Romeo is offering a £2,250 deposit contribution and 0% finance on the TwinAir Progression. All you need to do is find £999 for the deposit and £159 a month for 48 months. At the end of the contract, you can decide whether or not to pay the £3,813 final fee.
Alfa Romeo Giulietta
There’s a similar offer available on the Giulietta 1.4 TB. If you can find £1,549 for the deposit, Alfa Romeo will add £2,500 to the pot, leaving you with 48 monthly payments of £199. As with all the promotions featured here, there’s an expiry date, which in this case is the end of September 2016.
BMW 640d M Sport Gran Coupe
How much of your disposable income are you prepared to spend on a car? If the answer is £559 for 48 months, the BMW 640d M Sport Gran Coupe is within reach. Your deposit is £8,979, but BMW will add a chunky £11,189.65, making a total deposit of £20,168.65. You can drive up to 10,000 miles per year and the optional final payment is £19,593.35. Tempted?
There’s a new Citroen C3 waiting in the wings, so the French company will be doing everything it can to shift stock of the outgoing model. Whether you opt for a hire purchase deal or PCP plan, there are a range of 0% finance offers to be found. Question is: would it be better to wait for the new model?
Citroen C4 Cactus
The new C3 will feature Airbumps, but the C4 Cactus got there first. Take out a hire purchase agreement on the funky compact crossover and you can take advantage of 0% finance. An example is the mid-range C4 Cactus Flair with 1.2-litre petrol engine and metallic paint, which is yours for £289.75 per month. Deposit is £6,954 and at the end of three years, the Cactus is yours.
There are many offers available on the C4, including the entry-level Feel with a 1.2-litre PureTech petrol engine for £449.38 a month. This is spread across 36 monthly payments, with a deposit of £1,797.32. Total amount payable: £17,975. In three years, the car is yours.
Citroen C4 Picasso/Grand C4 Picasso
Alternatively, for something a little larger, you might want to consider the Citroen C4 Picasso or the seven-seat Citroen Grand C4 Picasso. Both have been refreshed and are available with 0% finance. The mid-spec C4 Picasso Flair, with a 1.6-litre BlueHDi diesel engine, could be yours for £683.61 a month after a £500.04 deposit. Hefty payments, but in three years the car is yours.
Citroen Berlingo Multispace
If practicality is your thing, the Citroen Berlingo Multispace might be right up your street. The monthly repayments start from £315 a month, based on the entry-level Feel with a 1.2-litre PureTech petrol engine. Payments are spread over 36 months with a deposit of £315.
The paint has barely dried on the new Fiat Tipo, but it’s already available with 0% finance. The five-door hatchback offers air conditioning, DAB radio, Bluetooth and steering wheel mounted audio controls as standard, with monthly payments starting from £159. That’s based on a 24-month PCP deal on the Tipo Easy with a 95hp 1.4-litre petrol engine. Optional final payment: £6,589.
Hyundai i10 Premium 1.0
There’s a refreshed Hyundai i10 waiting in the wings, but if you can’t wait until the Paris Motor Show, there’s 0% finance available on selected models. Order the generously equipped Premium 1.0 and – assuming you can find £3,648.50 for the deposit – you can drive away for 25 monthly payments of £86. Optional final payment: £5,062.50.
Alternatively, the larger i20 Premium 1.2 supermini could be yours for 25 monthly payments of £145. The PCP deal is based on 8,000 miles and a deposit of £5,079.50. Upgrade to the Premium SE 1.2 and the monthly payments increase to £153 a month, with a deposit of £5,284. An extra £8 a month secures heated front seats, heated steering wheel, parking sensors and a panoramic sunroof.
Hyundai Tucson S 1.7 CRDi Blue Drive
The Hyundai Tucson is a one of our favourite mid-sized SUVs and, whisper this, we’d probably choose it over the ever-popular Nissan Qashqai. To take advantage of 0% finance, you’re going to need to part with at least £7,207.50 for the deposit, with an optional final payment of £10,167.50 in 25 months time. The monthly payments are a manageable £130.
Jaguar XJ Luxury SWB
Here’s a 0% finance offer you probably weren’t expecting. The Jaguar XJ Luxury SWB 275PS is available for £598.86 a month, based on a 37-month agreement and a deposit of £9,999. On the plus side, Jaguar will add £7,420 to the pot – a fairly significant reduction on the £58,690 list price. That said, the £19,712 optional final payment is similarly weighty.
Jeep Cherokee 2.2 Overland
If you fancy taking your 0% finance car off road, look no further than the Jeep Cherokee 2.2 Overland. The 200hp off-roader features a nine-speed automatic transmission and is available for £559 a month. As a bonus, you won’t even have to find the money for a deposit, with Jeep contributing £3,000 to the deal. Nice.
Jeep Renegade 2.0 Longitude
Alternatively, if you fancy something a little smaller, the Jeep Renegade – which is based on the same platform as the Fiat 500X – is available for a more manageable £175 a month. It’s swings and roundabouts, mind, because you will need to find £6,299 for the deposit. On the plus side, Jeep will add a further £2,000, leaving you to decide whether or not to pay the optional £12,171 in two years time.
Kia Soul Urban
The Kia Soul Urban offers 17-inch alloy wheels, DAB radio, reversing camera, Bluetooth and a unique ‘Urban’ styling pack. If you’re willing to pay 50% of the £15,500 list price, Kia will offer the remainder on a 0% finance deal.
The Mazda 2 is one of the nicest cars to drive in the supermini sector, not to mention one of the sharpest looking. Right now, Mazda is offering a range of six different 0% finance deals on selected models, with repayments starting from £119 a month.
Alternatively, the Mazda 3 family hatchback is also available with 0% finance…
As is the Mazda 6. For example, the SE model, which features 17-inch alloy wheels, manual air conditioning, DAB radio and a 7-inch touchscreen, is yours for £219 a month. You just need to find a deposit of £4,190.50 and be aware that mileage is limited to 9,000 per annum.
If the Ford Fiesta and Vauxhall Corsa are a little too obvious for you, the MG3 is worth a look. Prices start from £8,399 and, right now, you can take advantage of 0% finance and free insurance for a year.
Alternatively, the new MG GS SUV is available with 0% finance over 36, 48 or 60 months. Monthly payments for the entry-level Explore start from £199.93 after a £2,999 deposit. You also get a five-year warranty and a £250 Hilton Hotel voucher.
The MG6 might be getting a little long in the tooth, but it is possible to drive away in a S model for £186.60 a month. This is spread over 60 months and after a £2,799 deposit. Because it’s 0% finance, you’ll pay no more than the £13,995 list price and – at the end of the agreement – the car is yours.
Nissan Micra Acenta 1.2
Next we bring you half a dozen 0% finance deals on selected Nissan models, kicking off with the smallest of the group – the Micra 1.2 Acenta. The on-the-road price is £11,670, with Nissan chipping in with an £850 deposit. All you need to do is find £3,958.50 up front and – after 37 payments of £89.00 and an optional final payment of £3,657.50 – the car is yours.
Nissan Note Acenta 1.2
There’s a similar deal available on the Nissan Note 1.2 Acenta. Nissan will add £1,150 to your deposit of £4,626, which brings the monthly payments down to £109. You’ll have to decide if you want to pay the £4,085 final payment in three years time.
Nissan Juke DIG-T 115 Acenta
The Nissan Juke crossover remains as popular as ever, with a range of tempting finance offers to encourage people to get behind the wheel. Buy a DIG-T 115 Acenta and Nissan won’t contribute anything to the deposit, meaning you’ll have to find the entire £4,485.75 up front. There are 37 monthly repayments of £149 and an optional final payment of £5,961.25.
Nissan Pulsar DIG-T 115 Acenta
Nissan is a little more generous with the Pulsar, throwing £1,000 into the deposit pot. You’ll need to find a further £4,780.85 and £149 a month for three years. The Pulsar might not be the best choice of family hatchback, but it does offer acres of rear legroom.
Nissan Qashqai dCi 110 Acenta
The Qashqai remains Britain’s favourite crossover and is therefore the car to beat in a fiercely competitive sector. A Qashqai dCi 110 Acenta costs £21,960, or 37 payments of £199 after a total deposit of £5,700.04, of which Nissan will contribute £500. The optional final payment is a hefty £9,095.96.
Nissan X-Trail dCi 130 Acenta
We conclude the Nissan 0% finance extravaganza with the X-Trail SUV. The two-wheel drive, five-seat dCi 130 Acenta costs £25,545. Nissan will add £500 to your £5,403.13 deposit to deliver monthly payments of £229. In three years you can decide whether or not to pay the final payment of £11,397.87.
A new Peugeot 3008 will make its debut at the Paris Motor Show and – on the face of it – the new version is likely to be much improved. Gone is the frumpy MPV styling, in favour of a more SUV-like appearance. It makes it hard to recommend the outgoing model, but Peugeot – keen to shift old stock – is offering 0% finance on selected models. For example, the Active 1.2 PureTech in Bianca White is available for 48 payments of £334.00.
As the world continues its love affair with crossovers and SUVs, cars like the Peugeot 508 are becoming dinosaurs. Which is why Peugeot is offering 0% on 508 saloons and estates. The 508 saloon in Active trim and with the 1.6-litre BlueHDi engine is available for £376 a month over four years. You’ll need to find £4,504.88 for the deposit, although Peugeot will add a further £500.
Like the 3008, there’s a new Peugeot 5008 on the way, which once again ditches the ‘plain Jane’ styling in favour of something altogether more crossovery. If you can’t wait for the new 2017 Peugeot 5008, there’s a range of 0% finance deals available on the outgoing model. Our advice would be to wait for the new model, or negotiate an excellent deal.
Fancy a Renault Clio? The 1.2 Play is available with 0% finance over two years when you pay £2,306 for the deposit. Your friendly Renault dealer will add £1,000 plus an extra £500 if you take a test drive before 26th September.
Renault Scenic/Grand Scenic
Can’t wait for the new Renault Scenic – you can buy the current Scenic and Grand Scenic with 0% finance. The Scenic Dynamique Nav dCi 110 is available for £430 a month, spread over 48 months. The Renault dealer handles the deposit and in five years the car is yours.
Skoda Citigo 3 Door Colour Edition
You can always rely on Skoda to deliver a range of strong offers. We kick off with the Citigo Colour Edition, which is available with a range of 0% finance deals and a number of different deposits. In all cases, Skoda will contribute £500 towards your finance deposit and – if you order before the end of September – there’s an additional £500 towards your fuel bill.
Skoda Fabia 1.0 Colour Edition
It’s a similar story with the Skoda Fabia. Based on a 42-month, 35,000-mile agreement, Skoda will give you £500 towards your deposit and £500 of free fuel. Opt for a mid-range deposit of £1,395 and the monthly payments are £189, with an optional final payment of £5,259.60.
Skoda Rapid Sport/Rapid Spaceback
The Rapid and Rapid Spaceback are the less illustrious members of the Skoda range, which is why the finance deals are even more generous. Skoda is offering a minimum £2,500 part-exchange on your old vehicle and £500 of free fuel when you order before 30th September. And, yes, there’s 0% finance, too.
You might think that Skoda is reserving the 0% finance deals for the cheaper, lower trim level models, but you’d be wrong. The Skoda Octavia vRS hatch is available for £289 a month after a total deposit of £4,146.59, of which Skoda will contribute £1,000. What’s more, you’ll even get £500 of free fuel. Still want that Golf GTI?
A 0% PCP deal isn’t available on the Skoda Superb, but dig a little deeper and you’ll find a seriously tempting offer. Opt for a more traditional hire purchase agreement and you can take advantage of 0% finance and £500 of free fuel. There’s a minimum 30% deposit to pay, with a contract ranging from 12 to 36 months. At the end of the agreement, the car is yours. Sorted.
It’s been on sale a while, but the Skoda Yeti remains one of our favourite crossovers. Right now, Skoda will contribute £1,000 towards the deposit and offer £500 of free fuel if you order before the end of September.
Toyota is offering % finance on new retail orders of Yaris (excluding Active grade) until the end of September, based on a two-year PCP plan with 0%-37% deposit. On a Yaris Design – which features cruise control, reversing camera and DAB radio – the monthly payments are £159.
In common with the Yaris, the 0% finance deals on the Auris are also available on the hybrid models. Typical example: a deposit of £6,640.50 on an Auris Design results in 24 monthly payments of £219.
Alternatively, for £199 a month, you could drive away in a Toyota RAV4 Business Edition. The deposit is £7,874.25 and – in common with all the Toyota deals – there’s an optional final payment in 24 months time.
Toyota Verso Icon
Fancy a seven-seat Toyota Verso Icon with 0% finance? The MPV features Toyota’s clever Easy Flat seat system and is priced at £22,295. Find a deposit of £6,240 and you’ll pay just £199 over three years.
Toyota Avensis Touring Sports Excel
“Just one look says premium quality”, says Toyota. The Avensis Touring Sports Excel is available with 0% finance over two years. You’ll need to find a deposit of £9,715.50 to bring the payments down to a manageable £239 a month.
Vauxhall is offering up to five years 0% finance on the Vauxhall Adam, plus £500 of free fuel if you order between the 8th and 12th September 2016. Over 60 months, you’ll pay £159 for an Adam Jam 1.2, after a deposit of £2,799. In 2021, the car is yours.
The free fuel offer is also available on the Vauxhall Astra, but you’ll have to be quick, as it expires on the 12th September. On an Astra SRi and a 0% finance deal spread over 60 months, the deposit is £4,999 and the monthly payments are £219. As with all the offers mentioned here, this is just a typical example. Contact your local dealer for a tailored quote.
Remember the Vauxhall Cascada? The summer might be over, but if you’re looking to enjoy some warm autumn evenings, the topless Cascada might be right up your boulevard. The free fuel offer is available, along with 0% finance. Choose a term between 24 and 60 months and, at the end of the agreement, the car is yours.
To some people, the idea of a owning a car at the end of the finance agreement is more appealing than a PCP deal. You can choose your deposit and a payment term between 24 and 60 months to suit you. The new Vauxhall Corsa is rather good and could be yours for less than £200 a month.
There’s a new Vauxhall Mokka X on the way, but the current Mokka is available with 0% finance. Vauxhall’s Flexible Finance is a simple thing: you choose the car, deposit and length of agreement. What could be easier? Best of all – it’s 0% finance and you get £500 of free fuel.
Finding a 0% finance deal on a Volvo was never going to be easy, but we found one. The XC60 might not be as appealing as the new XC90, but the PCP offers are rather tempting. As a representative example, a D4 SE Nav is available for £299 per month, with a deposit consisting of £7,125 from you, £1,834 from the dealer and £1,500 from Volvo. After two years, the optional final payment is £15,675 and you’re limited to 10,000 miles per annum.