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With 0 per cent APR finance deals ranging from as little as \u00a335 per month, buying a new family car or runabout is affordable for almost any budget.<\/p>\n
It always pays to take note of the interest rates on car finance deals, as the prospect of paying over the odds for anything is never a pleasant thought. If you look carefully, though, some car finance deals are available with 0 per cent APR, so there's no interest charged and you won\u2019t pay more than the list price of the car even over three or more years.<\/p>\n
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Car finance examples: PCP, HP, leasing, loans, which is cheapest?<\/li>\n<\/ul>\nAn interest free 0 per cent APR deal means you\u2019ll know exactly how much you will be paying \u2013 it\u2019s a good deal for the buyer and helps the seller to tempt more buyers in as well. As long as you stick to the mileage limit (usually 10,000 yearly, though some will be less than that) you won\u2019t pay more than the list price of the car. If you pick a finance deal with a deposit contribution then you might even pay less than that, as the manufacturer chips in some cash to sweeten the deal.<\/p>\n
Here we\u2019re looking at 0 per cent APR deals on some of our favourite cars. All the deals here are correct at the time of writing, but even if they\u2019ve changed slightly, they will still give you an idea of what\u2019s available.<\/p>\n
Recent economic conditions mean some of these deals may not be as competitive as you\u2019d have seen a few years ago, but in an age of high interest rates, these 0 per cent deals stand out even further. Read on to find the best 0 per cent finance deals for 2023\u2026<\/p>\n
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If you want a family car that stands out from the crowd, the Citroen C4 isn\u2019t a bad way to do it. Citroen may not be quite the crazy innovator it once was but it\u2019s still got a bit of a unique streak, visible not just in the C4\u2019s styling but also in its suspension and seats primarily set up for comfort rather than corner-carving.<\/p>\n
That might risk a lukewarm reception from road testers, but certainly benefits the C4 in town and on long motorway trips, where it\u2019s a lot more relaxed than most rivals. And true enough, it\u2019s not as fun to drive as some, but if your priorities don\u2019t lie in that direction, that may not be a problem.<\/p>\n
Citroen currently offers 0 per cent finance across much of its range. The deal does limit mileage to 6,000 miles per year, and the deposit\u2019s hefty too (less of a problem if you\u2019re trading in your old family car), but the monthly payments are more like a phone contract than a car \u2013 helped by the C4\u2019s supermini-style list price and larger optional final payment.<\/p>\n
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The Jaguar I-Pace isn\u2019t the headline-grabber it used to be; the electric car market has expanded significantly since it arrived in 2018. But that doesn\u2019t mean it\u2019s no longer worth a look, and there are still plenty of reasons to opt for the Jag over more popular rivals.<\/p>\n
One is the way it performs, and another is the way it drives. With nearly 400bhp in EV400 form it takes only 4.5 seconds to get from 0-60mph, and despite a relatively portly 2.2-tonne kerb weight, it handles well too, while maintaining decent ride quality.<\/p>\n
The infotainment system is no longer up there with the best, but the smart cabin layout remains easy to get on with, as does a claimed range just shy of 300 miles \u2013 not class-leading, but plenty enough for most drivers. And with a 0 per cent finance offer, relatively affordable for the performance and luxury on offer.<\/p>\n
Check out the deal here.<\/strong><\/em><\/p>\n Limited range means limited appeal for Mazda\u2019s striking MX-30 electric car, but the brand\u2019s current PCP offer, with 0 per cent finance and a modest \u00a3299 per month, might make the unusual electric crossover more interesting for buyers who don\u2019t intend to travel too far.<\/p>\n Mazda chose a smaller battery deliberately for the MX-30, reasoning that most people only drive a relatively short distance each day so don\u2019t need to lug around an enormous battery pack. But with an official range of 124 miles \u2013 and slightly less in the real world \u2013 the MX-30 is a tough sell, particularly with much cheaper, longer-range EVs out there.<\/p>\n If the range works for you, there\u2019s still a lot to like in the MX-30, from its bold styling (with stylish, if slightly impractical reverse-hinged rear doors \u2013 a throwback to the rotary-engined RX-8 sports car), to its high-quality interior and engaging driving experience. And this 0 per cent finance offer will take the sting out of the expensive list price, too.<\/p>\n Check out the deal <\/em>here<\/em>.<\/em><\/strong><\/em><\/p>\n Skoda has made a name for itself by building sensible yet high-quality, feature-packed family cars, and that doesn\u2019t look like changing as the era of electric power dawns. The Enyaq iV, a Kodiaq-sized electric SUV, is just as suited to family life as its combustion counterpart, being spacious, well-built and offering a decent range.<\/p>\n And while it\u2019s not exactly cheap, a starting price of just under \u00a339,000 isn\u2019t actually that much higher than the Kodiaq, which starts a fraction under \u00a335,000. With 0 per cent finance PCP deals, it could make it even easier to find an Enyaq that suits your needs.<\/p>\n The deal we\u2019ve found gets you a 24-month term on an entry-level Enyaq iV 60 (with a 246 mile range) with a \u00a32,000 deposit contribution from Skoda. We\u2019ve found that cold weather can impact the Enyaq\u2019s range slightly, but the range indicator is at least predictable and accurate. All Enyaqs are relaxing to drive and the 585-litre boot is welcome, too.<\/p>\n Check out the deal <\/em>here<\/em>.<\/em><\/strong><\/p>\n No, bZ4X isn\u2019t the name of one of Elon Musk\u2019s children, but Toyota\u2019s RAV4-sized electric car. In fact, it\u2019s the first serious crack Toyota has had at a volume electric car (after short-lived dabbles with the RAV4 in the 1990s, and a limited run of electric iQ city cars around a decade ago), and it\u2019s not a bad effort to kick things off.<\/p>\n Get past the unusual name and the polarising styling, and you\u2019re essentially looking at a mid-size SUV with a comfortable cabin, tidy driving characteristics, and a pretty reasonable range, with front-wheel drive variants capable of a claimed 317 miles. The cabin is a bit odd, with a low-set steering wheel similar to some Peugeots, but the usual Toyota quality is there.<\/p>\n One of the bZ4X\u2019s problems is a high list price, though with Toyota currently offering 0 per cent finance on the model, it may be more affordable than you expect, even for the top-spec Vision here. You get a \u00a3500 deposit contribution as a sweetener too, matching the monthly payments over the 36-month term.<\/p>\n Check out the deal <\/em>here<\/em>.<\/em><\/strong><\/p>\n While 0 per cent APR deals might be tricky to find at the moment, Vauxhall\u2019s offers on the Corsa show that you don\u2019t need to trade up to an SUV to benefit from competitive finance deals. Provided you\u2019ve got a decent deposit \u2013 perhaps helped by a trade-in vehicle – a shiny new supermini is within reach.<\/p>\n The latest Corsa is a sharp-looking car too, sharing technology under the skin with Stellantis stablemate Peugeot (whose 208 supermini features similar engines, including the option of a fully electric model). The Corsa\u2019s good to drive, has a grown-up interior, and rides well, and the 1.2-litre turbo engine in this GS gets down the road quite nicely too.<\/p>\n Sporty GS trim nets you 17-inch alloy wheels, a 7-inch digital instrument cluster and a 10-inch centre screen with Apple CarPlay and Android Auto, as well as a black roof to contrast with your metallic paintwork choice. This offer\u2019s 6,000 mile per year limit shouldn\u2019t be too restrictive for town users either.<\/p>\nMazda MX-30<\/h2>\n
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Skoda Enyaq iV<\/h2>\n
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Toyota bZ4X<\/h2>\n
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Vauxhall Corsa<\/h2>\n
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