Find the best 0% APR deals
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You've come to the right place if you're looking for the best 0% APR car finance deals.
While the news might be full of talk of inflation and high interest rates, there are still some fantastic zero interest offers on new cars to be had. Granted, there's not quite the widespread choice that there was before the pandemic and the subsequent supply issues, but provided you're a little flexible on the model and trim you're after, you'll be able find a cracking 0% car finance deal.
But with a range of new car deals available to buyers, why should you be looking at a 0% finance car deal?
Even the best PCP car deals will incur interest (APR) over the length the contract (this can very in length, from as little as 12 months to cover 48 months). This means that on top of your monthly payments for the car, you'll be paying interest on top of this and the result is higher monthly payments each month. What makes 0% APR car finance deals so attractive is as the name suggests, you pay absolutely no interest over the term of your agreement.
The result is lower monthly payments and you're only paying for the cost of the car (it you take up the optional final payment). One thing to bear in mind though is that you might be required to put down a larger deposit than if you were paying interest on a PCP deal, but that's a consideration you have to weigh up with your financial circ*mstances.
So, if you're looking to get the cheapest car finance deals on the market, we've searched all the current manufacturer finance offers to round up the best 0% car finance deals just for you.
Best 0% APR car finance deals in March 2024
01
MG4 EV for £99 per month with 0% APR
We’ve said that the MG4 is the best budget electric car, and when it’s available with 0% APR it’s even more attractive. You can drive around in the SE 125kW 51kWh model for just £99 per month, and if you want the more powerful, longer-range models then they’re just £30 or £60 pounds more each month.
- Deposit: £9346
- Monthly payments: 37 x £99 (£3663)
- Optional final payment: £14,085
- Total payable: £26,995
- Mileage per year: 8000
- Deal ends: March 31st, 2024
>> Click here to get this great deal
>> Find a used MG4 for sale
02
SEAT Ibiza for £211 a month with 0% APR
The SEAT Ibiza is a fun small car, particularly in FR trim where it adds desirable sporty extras outside and in. Combined with the punchy yet efficient 1.0 TSI 95 engine, it’s a great all-rounder – and one now available on 0% finance on a three-year PCP car deal. Monthly payments are a manageable £211.80 and the offer runs until 3 April 2024.
- Deposit: £4550.80
- Monthly payments: 35 x £211.18 (£7391.30)
- Optional final payment: £10,152.90
- Total payable: £22,095
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 3 April 2024
>> Click here to get this great deal
>> Find a used SEAT Ibiza for sale
03
GWM Ora 03 for £228.75 per month with 0% APR
A quirky new entrant into the electric hatchback market, the GWM Ora 03 (or you probably know it by its original name, the Funky Cat) is packed with personality and charm, and represents excellent value for money. And that’s even more the case with 0% APR, when you can pick one up for just £248.50 a month, albeit with a fairly big deposit.
- Deposit: £9225
- Monthly payments: 24 x £248.75 (£5970)
- Optional final payment: £17,395
- Total payable: £32,590
- Mileage per year: 8,000
- Deal ends: March 31st, 2024
>> Click here to get this great deal
>> Read our Ora Funky Cat review
04
Fiat 500 Electric for £299 per month with 0% APR
This Fiat 500 Electric is the perfect small EV. Compact, nimble and easy to park, the latest model combines the famous retro styling with a real touch of class. This deal is spread over four years, and requires a customer deposit of £2999 – to which Fiat adds an extra £1175.
- Deposit: £2999 (plus £1175 Fiat deposit contribution)
- Monthly payments: 47 x £299 (£14,053)
- Optional final payment: £9974
- Total payable: £31,195
- Mileage per year: 6,000
- Deal ends: March 31st, 2024
>> Click here to get this great deal
>> Find a used Fiat 500 Electric for sale
05
Vauxhall Astra Plug-In Hybrid for £326 per month with 0% APR
We’ve flagged the latest Vauxhall Astra as great value for money, and that was before Vauxhall introduced a 0% APR offer on it. With bold looks and generous equipment, this super-efficient plug-in hybrid model, in GS trim, could be yours for £326 a month, although you’ll need a big deposit.
- Deposit: £11,590.50
- Monthly payments: 23 x £326 (£7,498)
- Optional final payment: £19,566
- Total payable: £38,635
- Mileage per year: 8,000
- Deal ends: Ongoing
>> Click here to get this great deal
>> Find a used Vauxhall Astra for sale
06
Ford Puma for £390 per month with 0% APR
TheFord Pumais one of our favourite small SUVs, and it's easy to see why. Fun to drive, it's also well equipped and has a decent amount of space for its size. This mid-range ST-Line X 1.0-litre EcoBoost 125PS promises to be affordable to buy and run. This two-year PCP deal is available through Ford Options and has 0% APR.
- Deposit: £4001
- Monthly payments: 24 x £390 (£9360)
- Optional final payment: £15,004
- Total payable: £28,365
- Mileage per year: 9000
- Deal ends: March 31st, 2024
>> Click here to get this great deal
>> Find a used Ford Puma for sale
07
Toyota bZ4x for £469 per month with 0% APR
Toyota’s fully electric SUV is loaded with standard tech and very comfortable to drive, with a battery range of up to 270 miles. Thanks to Toyota’s latest deal, offering 0% APR and a £2000 deposit contribution, you could drive a Vision model with optional pearlescent paint included for just £469 a month.
- Deposit: £9220 (plus £2000 Toyota deposit contribution)
- Monthly payments: 35 x £469 (£15,415)
- Optional final payment: £22,140
- Total payable: £49,775
- Mileage per year: 8000
- Deal ends: April 2nd, 2024
>> Click here to get this great deal
>> Find a used Toyota bZ4x for sale
08
Hyundai Ioniq 6 for £501 per month with 0% APR
One of the most exciting electric cars to be launched last year, the Hyundai Ioniq 6 blends sleek looks with some impressive technology. This Premium spec car comes with an excellent array of standard features and a range of 338 miles.
- Deposit: £5000
- Monthly payments: 36 x £501 (£18,036)
- Optional final payment: £24,000.56
- Total payable: £47,040
- Mileage per year: 10,000
- Deal ends: April 2nd, 2024
>> Click here to get this great deal
>> Find a used Hyundai Ioniq 6 for sale
09
Jaguar I-Pace for £649 per month with 0% APR
The Jaguar I-Pace was a trailblazing electric car and is still a brilliant EV today. Fun to drive, there's lots of standard equipment, while this EV400 model has an official range of 292 miles and will hit 62mph in as little as 4.8 seconds.
- Deposit: £15,603
- Monthly payments: 48 x £649 (£31,152)
- Optional final payment: £23,741
- Total payable: £73,495
- Mileage per year: 10,000
- Deal ends: Ongoing
>> Click here to get this great deal
>> Find a used Jaguar I-Pace for sale
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How do I qualify for 0% car finance deal?
If you've found the perfect car for you on a 0% finance deal and you can afford the monthly repayments for the loan period, it's not quite a done deal. As with any loan you take out, a zero interest car finance deal needs to be approved, and the better your credit rating, the more likely you are to be accepted.
Do I have to pay a deposit on a 0% car finance deal?
While you're not paying any interest on a 0% car finance deal, you will still need to put down a deposit. Compared to some car deals where you're paying interest each month, you might find you need a larger deposit to secure the deal. The good news is that in some instances the manufacturers will support this with a deposit contribution.
Also worth bearing in mind is that if you do go for the zero per cent offer, the deposit contribution to start with may also be higher than a deal which incurs some kind of interest payment over its duration. Monthly payments may be higher, too.
What cars are available on 0% finance?
As you'll see from our list of the best 0% car finance deals, there are a wide range of different cars available, from brilliant small cars to large electric SUVs, so the car you choose really comes down to your needs and budget. One thing to be mindful of though is you might not be able to get the trim or engine you're specifically after, the 0% car finance deals tend to be offered on a specific model and engine combination. If you're prepared to compromise a little on the spec, you can get a great deal on a new car.
Written by
Phil Hall
By offering a 0% car finance deal, it's a great way for manufacturers to attract potential buyers as these deals can be appealing to buyers and tempt them away from rival manufacturer deals.
You can, but you'll have to look a bit harder for these deals. That said, large dealers tend to offer a range of financial products to get you behind the wheel of a car, including 0% offers.
Any deal where you get a free loan is a good dea. Because you're not paying interest each month you can potentially save yourself thousands of pounds for the period of the loan agreement. Remember though that some of these deals can run over 4 years, so make sure you're picking the right car for your needs for both now and in the future. You also have to be comfortable stumping up what can be a sizeable deposit.
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