The best 0 percent finance car deals right now

The best 0% car finance deals right now

The best 0 percent finance car deals right now

The Bank of England has raised interest rates for only the second time in a decade, which will affect millions of mortgages, saving accounts and loans. But fear not, because it’s possible to buy a new car on 0 percent finance, meaning you need not pay more than you should. We’ve assembled a list of 20 deals to help you choose the right one for you. Images are for illustrative purposes only.

Ford Fiesta

The best 0 percent finance car deals right now

Ford is offering a range of 0 percent deals on Britain’s most popular car with its ‘3 Year Ford Options’ deals. You could drive away in a five-door Fiesta Sport Zetec 1.0 for £160 a month after a £4,529 deposit, with an optional final payment of £6,311. Upgrade to the ST-Line for an extra £15, or the ST-Line X for a further £20 on tap of that. In all cases, the deposit remains the same.

Volkswagen Up

The best 0 percent finance car deals right now

From Britain’s most popular car to what is arguably the nation’s best city car. This offer is so good, it’s as affordable as a mobile phone contract. In exchange for a £3,102.60 deposit, you can drive home in a Volkswagen Move Up for just £100 a month over three years, with an optional final payment of £3,767.40. We suspect the 10,000 miles per annum restriction will be more than adequate for most Up buyers.

Nissan Qashqai

The best 0 percent finance car deals right now

Nissan’s ‘3, 2, 1 Go’ offer means that you can drive away in Europe’s best-selling crossover for just £189 a month. The deposit is a weighty £5,499.03, but you’ll pay £189 a month for three years, with an optional final payment of £10,176.97. The mileage is capped at 10,000 per annum, but you can add a two-year servicing package for £249.

Vauxhall Astra

The best 0 percent finance car deals right now

Vauxhall is in need of a sales boost, which is probably why it is offering 0 percent finance deals… for up to FIVE years. Not to be confused with a PCP deal, Vauxhall is offering 0 percent APR on more a traditional finance agreement, meaning you own the car. We calculated a five-year deal based on an Astra SRI Nav 1.4i Turbo with £5,000 deposit, which works out at £292.71 a month. You can adjust the deposit accordingly – the more you spend up front, the lower the monthly payments.

Mercedes-Benz S-Class

The best 0 percent finance car deals right now

Fancy pushing the boat out? You can waft away in what is arguably the best car in the world for £599 a month. If that sounds like a lot, it’s worth remembering that it’s based on a 0 percent finance deal, so you’ll pay not a penny more than the £74,435 list price for the S350d AMG Line. There’s just the small matter of the £12,579 deposit to consider. Oh, and the £23,600 optional final payment.

Ford Focus

The best 0 percent finance car deals right now

The paint hasn’t had time to dry on the new Ford Focus, but that doesn’t mean you can’t grab a 0 percent finance deal. Using a ‘2 Year Ford Options’ deal, the Focus Zetec 1.0 is available for £225 a month after a £5,310 deposit. An extra £20 gets you the keys to the ST-Line version, while the ST-Line X is yours for £275 a month.

Nissan Juke

The best 0 percent finance car deals right now

The Nissan Juke might be getting a little long in the tooth, but it remains a popular compact crossover, thanks, in part, to the range of finance options. The Bose Personal Edition DIG-T 115 is available for £179 a month over three years, with Nissan matching your deposit of £5,753.84. The optional final payment is £6,792.16.

Renault Zoe

The best 0 percent finance car deals right now

Fancy an electric car? Renault is offering 0% hire purchase deals on the popular Zoe EV and will even pay the deposit of £1,750. You just need to find £278 a month over five years, along with the mandatory battery hire, which costs from £59 a month. This is based on the Dynamique Nav R110 model and includes a free domestic wall-box fitted at your home.

Vauxhall Corsa

The best 0 percent finance car deals right now

Another five-year deal from Vauxhall, this time on the Vauxhall Corsa. With a deposit of just £1,000, the three-door Corsa Energy 1.4i is available for £226.10 a month over five years, with a not a penny to pay in interest charges. Again, you own the car.

Citroen C3

The best 0 percent finance car deals right now

The Citroen C3 is one of the best-selling superminis in Europe and is available with or without the side Airbumps. There are a range of 0 percent finance deals on offer in the UK until the end of September with monthly payments from £149. This is based on a three-year deal on the 1.2 PureTech, but you’re limited to 6,000 miles a year.

Toyota Aygo X-Press

The best 0 percent finance car deals right now

The Toyota Aygo shares its platform with the Citroen C1 and Peugeot 108 but is more striking than its French counterparts. The Aygo X-Press is available for £139 a month with a £2,680 deposit, although you can spend more on the deposit to lower the monthly payments to £109. The specification includes 15-inch alloy wheels, a 7-inch infotainment system, air conditioning, rear privacy glass and automatic headlights.

Honda CR-V

The best 0 percent finance car deals right now

You’ll need to find a hefty £5,971.62 deposit for this CR-V deal, but Honda will add £1,000 to the mix, along with a further £1,000 if you take a test drive before buying. Which means you’re left to find £249 a month for three years, with a final payment of £10,519.35. The offer is based on the outgoing Honda CR-V 2.0 i-VTEC SE Plus Navi, but remember, there’s a new version on the way.

Audi A8

The best 0 percent finance car deals right now

Audi isn’t being too generous with its 0 percent finance deals, but we did manage to find an offer on the flagship A8. The 50 TDI quattro 268PS tiptronic is available for £589 a month over four years, but you’ll need to find £10,777.10 for the deposit. On the plus side, Audi will contribute £8,875 to the deal. It’s probably best you don’t think about the £22,079.90 optional final payment.

Fiat 500

The best 0 percent finance car deals right now

If you fancy the fashionable 500 but don’t want to pay over the odds, Fiat is offering a range of 0 percent finance offers. If the 500 Lounge 1.2 floats your boat, you just need to find £2,599 for a deposit followed by £169 a month for three years. You’re limited to 6,000 miles per annum and there’s an optional final payment of £5,227.

Jeep Cherokee

The best 0 percent finance car deals right now

Jeep wants you to a take a second look at the aesthetically challenged Cherokee, which is why it’s prepared to offer a £8,050 deposit contribution when you take out a three-year PCP deal. You still have to find £7,199 – along with an optional final payment of £11,536 – but the monthly payments are £369. The offer is based on a Cherokee Limited 2.2 MultiJet automatic.

SEAT Arona

The best 0 percent finance car deals right now

The SEAT Arona is one of the best compact crossovers you can buy, offering a spacious interior and keen dynamics. Right now, the SE Technology Lux model is available with 0 percent finance, with SEAT contributing £1,000 to the deposit. Which leaves you to find £1,359 up front followed by 47 monthly payments of £199.

Ford Mustang

The best 0 percent finance car deals right now

A Ford Mustang GT 5.0 with 0 percent finance? Yeah, why not. For a not unreasonable £6,684 deposit, the Mustang could be yours for £399 a month, with an optional final payment of £17,712. The only catch is that 9,000 miles per annum might not be enough, but we can think of worse ways to spend £400 a month. The mortgage can wait a few more years…

SsangYong Tivoli

The best 0 percent finance car deals right now

SsangYong is offering 0 percent finance over four years on selected Tivoli models, with monthly payments from just £179. That’s based on the entry-level SE petrol after a £4,903 deposit, but you’ll spend at least £209 a month on the more desirable EX model.

BMW i8

The best 0 percent finance car deals right now

Well, we’re allowed to dream. The BMW i8 is available on 0 percent finance, but you’ll spend £999 for the privilege of driving this vision of the future. BMW will contribute £10,000 to the deposit, but you’ll need to find £20,249.97 up front.

MG ZS

The best 0 percent finance car deals right now

Finally, MG is offering 0 percent finance on the ZS, with monthly payments starting from £179. This is based on the ZS Excite and a five-year contract. The ZS also comes with a seven-year/80,000-mile warranty.

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