Cheapest cars available with 0% finance

Pay nothing more than the list price with these cars with 0% finance

Oct 29, 2018

Financing a new car has long overtaken the notion of buying one with cold hard cash.

It’s easy to see why too. When you glance at car’s sale price, it can seem like a daunting amount. However, financing brings the price down to manageable monthly sums.

Buying a car with 0% finance attached to it brings this monthly down even more, because you’re not paying the lender any interest rate.

These types of deals allow you to buy the car outright for the price it’s advertised for, and you won’t have to pay for the benefit of spreading the cost.

Word of warning though, while 0% interest deals are often the best, they’re not always ideal. They’re rarely offered in conjunction with other discounts that are offered to cash buyers for instance, so it’s worthwhile doing your homework and seeing what the bank can do for you.

The good news is that plenty of manufacturers are currently offering brand-new cars with 0% finance attached to them. The cars on this list will set you back less than £15,000 too.

Here are the very cheapest cars on offer with 0% finance. All of these are correct at the time of writing. Monthly payments depend on how long the contract is.

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Cheapest cars available with 0% finance

1. Volkswagen up! (Move up! models from £10,960)

Volkswagen’s up! Has long been billed as the cheap car that doesn’t feel cheap. The good news is that it’s the most grown-up feeling city car on sale, and it really is cheap. In fact, it’s the cheapest car you can buy with 0% finance.

The little up! starts at £9,325, however, to take advantage of 0% finance you’ll have to spring for a Move up!. They’re worth the extra money though, as they get air conditioning and remote central locking.
Read the Volkswagen up! buying guide

2. Ford KA+ (Zetec models from £11,345)

The KA + is priced in the region of the up! above, and other small city cars like the Hyundai i10. However, in terms of size it’s more like a VW Polo or Hyundai i20. It’s good value for money then, with five doors, a high roof, and a big boot that’s only a little bit smaller than the bigger Ford Fiesta.

It won’t win any beauty contests, but it is good to drive and generally irons out most potholes and bumps. 0% finance is only available on Zetec models, which have alloy wheels, a digital radio, and Bluetooth too.
Read the Ford KA+ buying guide

3. MG3 (Excite models from £11,395)

The new MG3 is a fair bit nicer than the old one and it doesn't feel anywhere near as bargain-basement either. It steers nicely and even looks pretty good - especially in bright colours.

Moving up the trim level to Excite gets you 0% interest. These cars have Apple CarPlay and are well worth the extra money for this alone. All MG3s get a hefty seven-year warranty too.

4. Seat Mii (Design models from £11,690)

Seat’s Mii is mechanically identical to the up! on the top of the list, but Seat bills it as a cooler and more stylish alternative.

Opt for a Design spec car and you can take advantage of 0% finance spread over four years. It’s one of the best value for money trims on the car, and gets you five-doors with front electric windows, air-con, and a smartphone holder so you can use your phone as a satnav.
Read the Seat Mii buying guide

5. Citroen C1 (Flair models from £12,490)

Another city car makes it onto the list, this time courtesy of Citroen. The C1 is marketed as funky and is squarely aimed at young people and the elderly, thanks to its easy driving nature.

If you opt for a PCP deal, in Flair trim, you can take advantage of 0% finance. These models get alloy wheels and can be customised with different roof/door/mirror paint combinations.
Citroen C1 buying guide

6. Renault Clio (Play models from £12,490)

Renault's handsome and practical Clio is now available with 0% finance when you pick a PCP deal.

Play models receive air conditioning and 16inch alloy wheels, and they look the part. Be warned though, this comes with the 1.2-litre engine with 75hp, rather than the more powerful turbocharged 0.9-litre 90hp engine. Although the 1.2 is quick enough for pootling around town, it’s not ideal for fast-paced motorway journeys.

7. MG ZS (Excite models from £14,045)

The MG ZS is by far and away the biggest and most practical car on this list, as it’s a crossover in similar in size to the Nissan Juke and Mazda CX-3.

It’s handsome-enough in a fairly generic way, but does at least come with MG’s seven-year warranty. You can get an Excite model or an Exclusive model with 0% finance. Both get the gutless 1.5-litre engine, but at least both also have Apple CarPlay.

8. Mazda 2 (SE + models from £14,375)

Mazda’s striking little 2 is also fun to drive and feels quite sporty for a supermini. Engines are keen and economical, and all but the cheapest SE models get split-fold rear seats too, so you can boost storage space in the rear and still have room for a passenger in the back.

Financing this car at 0% actually gives you a few options as long as you’re willing to pay it off over two years. SE+, SE-L Nav, Sport Nav+, GT Sport +, and Black + Edition models are all available, ranging from £14,375 to £15,795.
Read the Mazda 2 buying guide

9. Vauxhall Corsa (from £14,380)

The Vauxhall Corsa is one of the best-selling cars in the UK, and it’s also one of the most resolved full stop. The latest Fiesta may be better, but the Corsa is better value.

Vauxhall’s 0% APR deals are some of the best in the business too. It’s available on all three-door Corsas, right from base-spec Active to hot(ish) hatch GSI spec cars. It can also be spread over five years.
Vauxhall Corsa buying guide

10. Nissan Micra (Acenta models from £14,670)

Although the humble Micra doesn’t have the most exciting image, it’s actually pretty fun and agile, and an impressive all-rounder. Decent safety kit and technology makes this a worthwhile offering on this list.

Nissan offers 0% finance over 37 months on Acenta trim Micras. Acenta is good value for money too - offering Apple CarPlay, Android Auto, and alloy wheels.
Nissan Micra buying guide

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