New cars with no-deposit finance

Can't wait to get a new car, but don't have thousands saved for a deposit? Fear not. Zero-deposit finance is available on all of these cars

Murray Scullion
Dec 11, 2019

Seduced by a low monthly payment in an advert only to find a huge £10,000 deposit is needed to get the monthlies that low? You're not the only one. Many sneaky car manufacturers try to make their finance look good by hiding costs in an enormous upfront payment. However, if you don't have thousands stuffed under the mattress, fear not; more and more companies are now offering zero-deposit finance, too.

Yes, paying nothing now means you have more to pay later, but take advantage of finance deals with low interest rates and other incentives and you can get a great car for a relatively affordable monthly payment. All with nothing to pay upfront. In other cases, you might have to pay the first month upfront before your car arrives. After that, you simply make the finance payments each month as normal.

Available for new and used cars, no-deposit finance does come at a price because it makes your monthly payments more expensive. And as you're borrowing more money, you'll end up paying a little more interest too. In fact, your interest bill could increase substantially because low interest rate and 0% APR offers often tend to require a deposit, so picking the no-deposit option could see the rate increase.


New and used car no-deposit deals are generally offered for the two most popular types of car finance.

Personal Contract Purchase (PCP) finance deals usually last between two and five years, and you’ll pay a fixed monthly payment for those months. At the end of contract you usually have three options.

  • Return the car with nothing to pay (provided it's in good condition and below the pre-agreed mileage limit)
  • Keep the car and make the optional final payment to buy it. You can refinance this to spread the cost.
  • Trade the car in for a new one.

In most cases, zero-deposit deals are also available with Hire Purchase (HP). This works in a similar way to PCP, but at the end of the contract you’ll automatically own the car.

Click on any manufacturers below to find the cars available with no-deposit finance, or scroll down for the full list.


Manufacturers offering no-deposit finance deals

Alfa Romeo no-deposit finance deals

Alfa Romeo offers no-deposit finance with PCP deals on its entire range. From its little Mito, to its 4C sports car, with its rather brilliant Giulia and Stelvio included too. Although it can differ from car to car, it generally comes with a mileage limit of 10,000 a year.

Alfa Romeo cars with no-deposit finance


Audi no-deposit finance deals

No-deposit PCP deals can be found throughout Audi’s range, including the new Q2 crossover and A8 executive saloon. The new, large, Q8 is currently not available with no deposit - you'll have to cough up at least £6,500 to drive one. Some sporty RS versions of Audi models are also unavailable with no deposit. The R8 supercar is also unavailable with no deposit.

Audi cars with no-deposit finance


BMW no-deposit finance deals

BMW offers no-deposit deals on virtually all models if you’re willing to stump up enough each month on a PCP deals. Notable cars include its new X2, i8 hybrid sports car, and several sporting M models.

BMW cars with no-deposit finance


Citroen no-deposit finance deals 

Citroen has a full range of cars available with no deposit required for finance. The popular and practical C3 Aircross crossover is the highlight here, but larger families also have the option of the Berlingo and enormous SpaceTourer.

Citroen cars with no-deposit finance


DS no-deposit finance deals

DS is the luxury sub-brand of Citroen, named after its historic luxury car, the Citroen DS. Three models are currently available without a deposit, however, its latest model, the DS 7 Crossback, is missing from the list.

DS cars with no-deposit finance


Fiat no-deposit finance deals

Fiat 500 Side

Not every Fiat model is available without a deposit, however, if you’re after something small and stylish the 500 is a good choice. The 124 Spider also looks like good value for money as sports cars are few and far between with no finance.

Fiat cars with no-deposit finance


Ford no-deposit finance deals

Not only does Ford offer a wide range of cars without a deposit, it also offers them as a PCP or HP agreement. This includes the Ford Fiesta, Britain's best-selling car.

Ford cars with no-deposit finance


Honda no-deposit finance deals

No-deposit finance is available on most of the Honda range and that's expected to include the new CR-V, although the finance estimates for this new model have not yet been calculated.

Honda cars with no-deposit finance


Hyundai no-deposit finance deals

Hyundai’s popular 'i' range of hatchbacks is largely available without a deposit, as are its popular Tucson and Santa Fe SUVs. The hybrid Ioniq, which also has a fully electric version is on the list too if you fancy something with green credentials.

Hyundai cars with no-deposit finance


Jaguar no-deposit finance deals

Jaguar offers no-deposit finance on PCP and HP deals, plus its latest SUV/Crossover range get in on the action too.

Jaguar cars with no-deposit finance


Jeep no-deposit finance deals

Jeep's rugged SUVs can be bought with no-deposit finance.

Jeep cars with no-deposit finance


Kia no-deposit finance deals

Every car in Kia's range comes with the option of no-deposit PCP finance, and it's also offered with Conditional Sale finance - virtually identical to HP - on most models. Even the new sporty Stinger saloon is included.

Kia cars with no-deposit finance


Land Rover no-deposit finance deals

Even cars as opulent as a Range Rover can be bought without a deposit, but the monthly payments are high enough to make you wince.

Land Rover cars with no-deposit finance


Lexus no-deposit finance deals

Lexus offers its complete range of cars on PCP agreements without a deposit. The brand has an excellent reliability record and its cars are increasingly distinctive.

Lexus cars with no-deposit finance


Mini no-deposit finance deals

No-deposit PCP finance is available across the Mini range, from the classic Hatchback (above), to the family-sized Clubman and Countryman models.

Mini cars with no-deposit finance


Mitsubishi no-deposit finance deals

Mitsubishi offers no-deposit options with all of its cars, including the plug-in hybrid SUV Outlander PHEV, as pictured above. No deposit deals with PCP finance have to be for a minimum term of 24 months though.

Mitsubishi cars with no-deposit finance


Nissan no-deposit finance deals

Nissan has a good range of cars available without a deposit. Even its fire-breathing GT-R. However, it is worthwhile noting that £0 deposit deals can’t be used in conjunction with 0% finance deals.

Nissan cars with no-deposit finance


Peugeot no-deposit finance deals

All new Peugeots are available with no deposit, including its highly-rated 3008 crossover and the affordable 108.

Peugeot cars with no-deposit finance


Porsche no-deposit finance deals

A brand new Porsche delivered to your door with nothing to pay in advance? It's possible, although the affordability checks will require a decent income.

Porsche cars with no-deposit finance


Renault no-deposit finance deals

Among the Renaults available for no deposit are the enormous Koleos (above) as well as the electric Zoe.

Renault cars with no-deposit finance


Seat no-deposit finance deals

Seat offers zero-deposit finance via a PCP agreement on a wide and varied selection of its cars, including the excellent Ibiza (above), Leon and seven-seat Alhambra.

Seat cars with no-deposit finance


Skoda no-deposit finance deals

Skoda values itself on offering superb value-for-money, and with zero deposit agreements, some of the deals are even more affordable, including those for the new Karoq (above).

Skoda cars with no-deposit finance


Suzuki no-deposit finance deals

Suzuki’s most popular models are included on this zero deposit list, including the new Swift (above), and its performance version, the Swift Sport.

Suzuki cars with no-deposit finance


Toyota no-deposit finance deals

No-deposit PCP finance agreements are offered by Toyota on all of its cars, from the Aygo city car to the imposing Land Cruiser and sporty GT86 (above).

Toyota cars with no-deposit finance


Vauxhall no-deposit finance deals

Vauxhall offers all of its models with no-deposit PCP agreements. For a number of models, you can combine this with a 0% APR deal that runs over five years. The Corsa (above) is one of the best-value models.

Vauxhall cars with no-deposit finance


Volvo no-deposit finance deals

Volvo offers no-deposit finance across its entire range of cars, including the new XC40 SUV (above) and V60 estate.

Volvo cars with no-deposit finance


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