0 deposit car finance deals: February 2025
Want a great car for an affordable monthly payment - but without having to put down a hefty deposit? Check out these top no-deposit deals
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Using car finance to get behind the wheel of a new or used car has never been more popular. But even with smaller monthly payments, many finance deals require a hefty deposit to be paid first. If you're keen to reduce those monthly costs further, often the best way of doing this is by paying thousands up front.
So you might think choosing to skip the deposit completely will mean you miss out on deals with the lowest monthly payments. However, it is still possible to bag yourself a good value purchase providing you pick the right deal.
One quick way to cut the cost of car finance is to go for a used car, rather than a brand new model. If you're looking for a low deposit and cheap monthly payments, there are plenty of options available with BuyaCar.
Once you've found the car you like in the search results, simply click or tap it and then scroll down to the budget calculator and change the deposit amount to £0. The new monthly payment figure will automatically be calculated, so you can see how changing the deposit amount affects the monthly payment.
Below are a selection of great used cars representing some of the most popular categories of car that were already very cheap with a deposit and are still affordable without. You can also check out the possibility of car leasing with our BuyaCar lease deals.
BYD
PCP deals include the BYD Dolphin starting at £269 a month with 0% APR and £269 customer deposit. The BYD Atto 3 starts at £389 a month with 0% APR, £389 down, a £4000 deposit contribution and a £1800 dealer discount. Find out more on these deals
Citroen
The new Citroen C3 starts at £299 with a £299 deposit and £763 deposit contribution, the Citroen C4 costs £349 with £349 down and a £1,934 deposit contribution and the Citroen C5 Aircross from £429 a month with £429 down and £1,734 towards your deposit. The Citroen e-C3 starts from £339 with a £339 deposit and £951 deposit contribution, and the Citroen e-C4 starts at £456 a month. Find out more on these deals
Hyundai
Deposit contributions include the Hyundai Kona (£500-£3,000), Hyundai Inster (£1,000), Hyundai i20 and Hyundai Bayon (£1,750), and Hyundai Ioniq 5 and Hyundai Ioniq 6 (£2,000). The Hyundai Ioniq 5, Hyundai Ioniq 6 and Hyundai Tucson are 0% APR, and all offers require zero deposit from the customer. Find out more on these deals
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Kia is offering zero deposit PCP on all models, plus deposit contributions including the Kia Picanto and Kia Sorento (£500), Kia Niro and Kia Sportage (£500-£1,500), Kia Stonic (£1,250) and Kia Ceed range (£1,000-£2,000). There's also £1,500 towards the Kia Niro EV and £2,000 towards the Kia EV6, and all EVs get a year of Kia Charge Plus discounted charging included. Find out more on these deals
Mercedes-Benz
Mercedes PCP discounts include the Mercedes A-Class (£3,500), Mercedes CLA models (£500-£3,500), the Mercedes GLA (£2,000), Mercedes GLB (£2,000), Mercedes GLC (£3,000) and Mercedes GLE (£5,500). There's £6,500-£9,500 off the EQ electric vehicle range, too, and all offers are calculated on zero customer deposit. Find out more on these deals
Suzuki
The Suzuki Swift is available with 0% APR on a 25-month PCP with a minimum 20% deposit or over 49 months at 7.9% APR with a £500 deposit contribution and no minimum deposit. The Suzuki Vitara and Suzuki S-Cross are available with 0% APR on a 37-month PCP with a minimum 20% deposit or over 49 months at 7.9% APR with a £3,000 deposit contribution. Discounts include Suzuki Swace (£2,000), Suzuki Across (£2,750). Find out more on these deals
Dacia Sandero from £176 a month
Our pick Dacia Sandero 1.0 SCe Essential
£0 deposit £176 per month
Dacia Sandero review
As one of the cheapest and best-value cars on sale right now, the Dacia Sandero can be had for a reasonable monthly PCP price even if a deposit is out of reach. And that's not for an early car with a huge mileage either. For around £180 per month, you can get behind the wheel of a two to three-year old entry level Sandero with relatively few miles on the clock, all without having to worry your savings account.
Dacia Sandero 1.0 TCe 100 Essential 5dr
Price: £8,999 or £176.26 a month
Mileage: 24,485
Annual mileage limit: 8,000
Deposit: £0
Monthly payments: 47 x £176.26 (£8,284.22)
Optional final payment: £3,700
Total payable: £12,234.22
Representative APR: 13.4%
PCP agreement length: 48 months
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Vauxhall Corsa from £199 a month
Our pick Vauxhall Corsa 1.2
£0 deposit £199 per month
Vauxhall Corsa review
Thousands of driving schools and new drivers can’t be wrong - the Vauxhall Corsa is an easy-to-drive, practical and comfortable supermini that’s also big on value. And, if you're happy to look at used models, you can't argue with the prospect of very affordable finance costs from around £190 per month with zero deposit.
That's for the latest - albeit pre-facelift - Corsa that benefits from a solid engine range, decent equipment levels right across the range, and the best looks that the Corsa has featured in years.
Vauxhall Corsa 1.2 Turbo SE Premium 5dr
Price: £9,990 or £199.02 a month
Mileage: 32,721
Annual mileage limit: 8,000
Deposit: £0
Monthly payments: 47 x £199.02 (£9,353.94)
Optional final payment: £3,947.50
Total payable: £13,551.44
Representative APR: 13.4%
PCP agreement length: 48 months
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Volkswagen Polo from £209 a month
Our pick Volkswagen Polo SE
£0 deposit £209 per month
VW Polo review
The latest-generation VW Polo is a sensible and grown-up looking car. Mature styling on the outside is coupled with a practical and sensibly laid out interior. Thanks to a jump in physical size over its predecessor, the Polo's 351-litre boot is bigger than the Ford Fiesta, while two 6-foot adults will be able to sit comfortably in the back seats. The Polo also feels more comfortable to drive, too, with a smooth and stable ride.
Volkswagen Polo 1.0 TSI 95 SE 5dr
Price: £9,995 or £208.66 a month
Mileage: 67,267
Annual mileage limit: 8,000
Deposit: £0
Monthly payments: 47 x £208.66 (£9,807.02)
Optional final payment: £3,767.50
Total payable: £13,574.52
Representative APR: 13.3%
PCP term: 48 months
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Nissan Qashqai from £209 a month
Our pick Nissan Qashqai N-Connecta
£0 deposit £201 per month
Nissan Qashqai review
Others may have got there slightly before the Nissan Qashqai, but this is perhaps the car that took small family SUVs mainstream. Subsequent versions of Nissan's smash hit have brought improvements to safety kit, technology and interior quality, so it's no wonder that the Qashqai has proved so popular with buyers across the UK through its three generations. Second-gen Qashqais can be had from around £200 per month with no deposit, adding affordability to the strings of the Nissan's bow.
Nissan Qashqai 1.3 DiG-T 160 Acenta Premium 5dr
Price: £10,990 or £209.23 a month
Mileage: 28,951
Annual mileage limit: 8,000
Deposit: £0
Monthly payments: 47 x £209.23 (£9,833.81)
Optional final payment: £5,342.50
Total payable: £15,176.31
Representative APR: 13.3%
PCP agreement length: 48 months
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MINI Hatchback from £271 a month
Our pick MINI Hatchback 1.5 Cooper
£0 deposit £271 per month
MINI Hatchback review
The MINI Hatchback remains one of the most characterful cars on the road, thanks to its charmingly retro design, playful driving experience and scope for personalisation. Add in an interior that feels good and there's no doubt the MINI stands out from most of its supermini competitors including the Ford Fiesta, Audi A1 and Volkswagen Polo, despite costing little more to own.
MINI Hatchback 2.0 Cooper S Sport 3dr
Price: £12,899 or £271.15 a month
Mileage: 50,563
Annual mileage limit: 8,000 per year
Deposit: £0
Monthly payments: 47 x £271.15 (£12,744.05)
Optional final payment: £4,712.50
Total payable: £17,456.55
Representative APR: 13.3%
PCP agreement length: 48 months
See this deal
What finance can I use with no deposit?
Zero deposit car finance tends to be offered with Personal Contract Purchase (PCP). This is the most common way people buy cars in the UK, and means that once you've signed your deal, you’ll pay a monthly fee for an agreed length of time, usually two to five years, and then will have the option to own the car by paying the outstanding amount at the end of finance agreement.
One thing it's worth noting is that monthly payments are likely to be higher to take into account the fact that you didn’t pay a deposit to begin with. It can be worth taking the time to work out if you put down even a small deposit, how much that impacts your monthly payments over the course of your PCP deal.
Which cars are available with no deposit?
On paper at least, most carmakers offer zero deposit finance deals. That means, in theory at least, buyers should have plenty of choice in getting the exact car that meets their needs. However, this comes with the caveat that zero deposit deals require good credit scores to be approved, and that it's extremely important to consider how much the monthly payments and APR will be, and how that fits with your ability to pay.
If the sums add up, then a zero deposit deal will mean you can specify the car exactly as you want it, although delivery times are worth checking right now, as these can extend longer than usual given the continued chip shortage.
How do I get a 0 deposit car finance deal?
Unfortunately, a zero deposit car finance deal won’t be available to every buyer. That’s because, without a significant amount of money paid up front in the form of a deposit, there is a greater risk for the lender to take into account.
Everyone has to have their credit checked when signing up for finance. However, due to the risks involved for the lender, it’s likely that a more thorough credit check will take place, including proving your income, to make sure you’re good for the repayments. You may also be asked for a guarantor to ensure that payments will be received if you can’t afford them for any reason.