Cars with 0% finance

Show some interest with these with 0% finance deals

Aug 3, 2018

When you take out finance on a car, there’s usually interest attached to it. This means that manufacturers make money from lending you money to buy the car.

Zero percent finance is offered on a decent amount of cars, and it ensures that you won’t pay any more money than if you would have bought the car outright. In other words, 0% finance deals allow you to buy the car outright for the price it’s advertised for.

Getting this rock-bottom rate does sometimes come at the cost of a hefty deposit, but BMW, Citroen, Ford, and even Maserati are all offering some their cars with 0% finance at the moment.

Generally, these are attached to Personal Contract Purchase (PCP) deals. With these deals you’ll typically pay a fixed monthly rate for two to five years, then at the end of this, you’ll have three options. You can return the car with nothing to pay, keep the car and pay what you owe, or, exchange the car for a new one.

A selection of deals work via Hire Purchase (HP) finance instead. This works in a similar way to PCP, but you’ll own the car at the end of the contract

Used cars with 0% finance

Generally, 0% finance deals aren’t offered on used cars. However, BuyaCar does offer low-rate PCP finance deals, typically at 7.9% representative APR.


Manufacturers offering 0% finance deals

BMW 0% finance deals

BMW’s finance deals are up there with the best and most flexible. Several models within its saloon car range are offered with 0% finance, and even its i8 hybrid supercar can be snapped up with the deal, as long as you have £20,000 for a deposit...

BMW cars 0% finance
  • BMW 6 Series
  • BMW i8

Citroen 0% finance deals 

Citroen’s C1 might be getting on a bit, but it’s still a competent city car, and it's a bit more appealing with 0% finance. Note that the seven-seat Grand C4 Space Tourer is only available with 0% finance via Hire Purchase.

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Citroen cars with 0% finance

Ford 0% finance deals

It doesn’t offer its most popular Fiesta and Focus with 0%, but Ford does offer a solid range of vehicles with the offer. The Galaxy isn’t as smooth as the chocolate, but it is big.

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Ford cars with 0% finance

Honda 0% finance deals

It’s only the CR-V that’s on offer with 0% finance. It’s big, practical, and adaptable, coming in two and four-wheel drive flavours.

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Honda cars with 0% finance


Jaguar 0% finance deals

Jag offers all of its current model range with 0% deposit, but only its premium saloon with 0% finance, and only if you can stump up a £8,550 deposit.

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Jaguar cars with 0% finance


Kia 0% finance deals

MPVs are the only type of car that Kia offers with 0% finance. Neither are exciting, but the finance offer does make them more enticing. 

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Kia cars with 0% finance
  • Kia Carens
  • Kia Venga

Maserati 0% finance deals 

While Maserati doesn’t offer this type of finance on its sporting Gran Turismo model, it does make use of it for its Levante SUV and Ghibli saloon.

Maserati cars with 0% finance
  • Maserati Ghibli
  • Maserati Levante

Mazda 0% finance deals 

A great-selection of Mazdas are available. Its new 6 saloon is widely regarded as a genuine Ford Mondeo and Vauxhall Insignia Grand Sport rival, while the MX-5 is one of the best convertibles on sale today.

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Mazda cars with 0% finance

MG 0% finance deals 

MG’s new ZS crossover is widely regarded as the best new MG on sale today. Bargain hunters will be thrilled to find out that it also comes with a seven-year warranty too.

MG cars with 0% finance
  • ZS

Nissan 0% finance deals

The Qashqai is the standout car on this list from Nissan. It does nearly everything well, and comes with clever semi-autonomous tech. 370Z is the only muscle car on this list.

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Nissan cars with 0% finance

Peugeot 0% finance deals

Peugeot’s 108 is mechanically similar to the C1 above, but it is cheaper. Ok, so it’s only £60 cheaper (£9,125 base spec versus £9,185 base spec C1), but still, something to consider, Maybe.

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Peugeot cars with 0% finance

Renault 0% finance deals

All but the Captur on this list are only available with Hire Purchase deals. The new Megane looks the pick of the bunch, and if you’re a city dweller, the electric Zoe might be a good idea.

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Renault cars with no 0% finance

Seat 0% finance deals

Only one car for Seat, but the Ateca is a peach. It’s mechanically very similar to the Skoda Karoq and Volkswagen Tiguan - neither of which are on this list. 

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Seat cars with 0% finance


Ssangyong 0% deposit finance deals

Ssangyongs typically offer a huge amount of space for not a lot of money, and 0% finance deals make them even more of a bargain.

Ssangyong cars with 0% finance
  • Ssangyong Tivoli
  • Ssangyong Korando
  • Ssangyong Tivoli XL

Suzuki 0% finance deals

Suzuki’s Vitara is a fun SUV which is already pretty good value for money. With 0% finance thrown in, it does appear to be more inviting than some of its rivals.

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Suzuki cars with no deposit finance


Toyota 0% finance deals

Both the Auris and Rav4 are good solid products, and both can be had with Toyota’s clever hybrid system.

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Toyota cars with 0% finance


Vauxhall 0% finance deals

Vauxhall loves to shout about its deals, and none more so than its 0% finance offers. A staggering seven models are in it, including the Corsa and Astra, which are both very good cars, while the Insignia Grand Sport is new and stylish.

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Vauxhall cars with no deposit finance
  • Corsa
  • Insignia Grand Sport
  • Grandland X

Volkswagen 0% finance deals

Volkswagen only offers one car with 0% finance - its little up!, which is mechanically identical to the Skoda Citigo and Seat Mii. Neither of which are available with the same deal.

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Volkswagen cars with 0% finance
  • Volkswagen up!

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