New cars with 0% finance in 2019: full list of latest deals

Build your new car and pay in monthly instalments with no interest and no charges: see the latest full list of 0% finance deals

BuyaCar team
Oct 17, 2019

Taking out car finance with 0% APR would seem like a no-brainer: you get to spread the cost of a new car over a series of monthly payments at no extra cost.

There are no interest charges and no additional fees with 0% APR car finance - also referred to as interest-free credit - so the total of your payments should add up to the cash price of the car - and no more. Opt for PCP finance and hand the car back at the end of the contract and you'll end up paying far less than that. Keep reading for more details.

You may have the option of multiple types of finance with 0% APR: Hire Purchase (HP), which ends in you owning the car once you've made all the monthly payments and Personal Contract Purchase (PCP), which offers lower monthly payments with the option to return the car at the end of the contract or buy it for the pre-agreed optional final payment.

0% finance: things to consider

Before you dive into the list of new cars available with 0% APR finance, though, consider your other options:

  • Getting this rock-bottom rate often requires a large deposit, so you may need to spend some of your savings
  • 0% finance offers may not include savings available with other finance deals (like deposit contribution discounts), so you could end up paying more overall. To find out which offers you the best value, get like-for-like quotes with the same deposit, contract length and mileage allowance to see which offers the lowest monthly payment and will cost you less overall
  • 0% APR car finance is generally only available for new cars. Where it is available on used cars, this typically means you'll be paying an artificially high cash price, as dealers often inflate the price to cover what they lose by not charging interest

Scroll down for all current 0% finance deals, arranged alphabetically by brand, or see below for our pick of the best deals.

Used cars with 0% finance

Used cars aren't generally available with 0% finance because they don't benefit from the same manufacturer incentives as new cars. However, the used car finance industry is competitive, which keeps interest rates low. Some retailers, such as BuyaCar, work with several lenders to ensure that you get a competitive quote for your circumstances, along with a good value cash price to begin with - which means you might be able to get more car for your monthly budget than you might expect.

 

Best new cars with 0% finance

Alfa Romeo 0% new car finance deals

There are three new Alfa Romeo models available with 0% finance if you're looking at a PCP deal or Hire Purchase, which ends in you owning the car. Some versions of the Stelvio and Giulia (above) come with a substantial deposit contribution discount too, which brings your monthly payments down.

New Alfa Romeo cars with 0% finance

 

Citroen 0% new car finance deals 

Higher-specification versions of Citroen's C3 are available with 0% PCP finance, which results in monthly payments from around £150 per month, depending on the length of the agreement and deposit. The 0% offer can also be transferred to a SimplyDrive deal - Citroen's version of Just Add Fuel, which includes finance, insurance, servicing and tax in one monthly payment.

Most of the remaining range is also offered with 0% finance, but only for Hire Purchase, so the payments will be higher as they cover the full cost of the car.

New Citroen cars with 0% finance

 

Fiat 0% new car finance deals

Fiat is offering 0% PCP finance offers on virtually it's entire range. With enticing deals on the iconic 500 - in all of its various forms - through to the new Tipo Sport hatchback. It's all very exciting, be wary of better value deals that aren't 0% APR.

New Fiat cars with 0% finance

 

Ford 0% new car finance deals

Ford has recently added the Focus to its 0% APR deal, on all models except for base specification Style models. The Ka+ is particularly affordable, with monthly payments of £99 on a two-year PCP deal with a £2,327 deposit.

New Ford cars with 0% finance

 

Honda 0% new car finance deals

The Honda Civic could be on your driveway from £249 per month, thanks to 0% finance helping to reduce those monthly payments. Even so, you'll need a deposit of more than £4,000 to get this price.

New Honda cars with 0% finance

Jeep 0% new car finance deals

You can currently get hold of a brand-new Jeep Renegade on 0% on both PCP finance and Hire Purchase. So not only do you have the chance to make some savings on the standard price, you also have the choice of how you pay for it.

New Jeep cars with 0% finance

MG 0% new car 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. Both the MG ZS and the MG 3 are also available with 0% finance, making them even more affordable.

New MG cars with 0% finance

 

Mitsubishi 0% new car finance deals

Mitsubishi offers 0% APR finance on its ASX, Eclispe Cross and Outlander PHEV models on PCP deals as well as the L200 Warrior pick-up.

New Hyundai cars with 0% finance

Nissan 0% new car 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. The 370Z (pictured) is the only muscle car on this list and is fantastic in an old-school kind of way.

New Nissan cars with 0% finance

Peugeot 0% new car finance deals

Peugeot's small and medium-car range comes with a 0% finance offer on higher-specification models, which can make them little more expensive than entry-level cars.

New Peugeot cars with 0% finance

Renault 0% new car finance deals

Nearly all Renaults are available with 0% finance. The Megane looks the pick of the bunch, especially in spicy hot R.S flavour. If you’re a city dweller with somewhere to charge up at home, the electric Zoe is worth a look.

New Renault cars with no 0% finance

Seat 0% new car finance deals

Seat is often forthcoming with enticing deals on it's range. This latest batch of 0% APR finance applies to its family of SUVs, the smaller Arona, the medium sized Ateca and the larger Tarraco.

New Seat cars with 0% finance

 

Skoda 0% new car finance deals

The Skoda Fabia remains the best value cars on the market. Skoda consistently offers it's small hatchback with competitive finance deals and this 0% APR example is no exception. It's extremely hard to say no to this kind of value.

New Skoda cars with 0% finance

 

Suzuki 0% new car finance deals

Suzuki offers the Vitara with 0% APR PCP finance. Having been updated with improved engines and improved equipment levels, the Vitara is a strong alternative to the slightly larger Nissan Qashqai and temptingly affordable, thanks to the 0% finance offer.

New Suzuki cars with 0% finance

 

Toyota 0% new car finance deals

Even the very latest Toyota - the new Corolla - is available with 0% finance. Deals also include the Yaris hybrid, with excellent fuel economy, which means that you should save at the pump - as well as on finance costs.

New Toyota cars with 0% finance

 

Vauxhall 0% new car finance deals

Vauxhall is running an end of year sale, which means that almost the entire range can be bought with 0% finance. This includes the ever-popular Corsa and Astra, as well as the new family-friendly Grandland X (above) and Combo Life. In most cases you can combine the finance offer with additional discounts, which are displayed when you configure any car.

New Vauxhall cars with 0% finance

 

Volkswagen 0% new car finance deals

Volkswagen only offers one car with 0% finance - its little up!, which is mechanically identical to the Skoda Citigo and Seat Mii. Entry-level Take up! models are not eligible for the deal, amd neither is the sporty up! GTI.

New Volkswagen cars with 0% finance

 

Volvo 0% new car finance deals

Volvo is aiming to give its V40 hatchback a sales boost with a 0% finance offer ahead of the car's replacement, which is expected next year. The V40 also comes with a £1,000 deposit contribution. Build a car to see the latest discounts available on top of this.

New Volvo cars with 0% finance

 

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