The best 0% finance car deals

Tempted by a 0% APR deal? Here are our best 0% finance deals starting from only £145...

Best 0% finance car deals - header

With 0 per cent APR finance deals ranging from as little as £145 per month, buying a new family car or runabout is affordable for almost any budget.

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’t pay more than the list price of the car even over three or more years.

An interest free 0 per cent APR deal means you’ll know exactly how much you will be paying - it’s 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, or close to that) you won’t 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.

Here we’re 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’ve changed slightly, they will still give you an idea of what’s available.

All the cars listed below have been previous winners or runners-up in our Auto Express New Car Awards, so every single one of these models is a great car - and we’ll explain why below. Read on to find the best 0 per cent finance deals for 2021...

The best 0% APR deals 2021

Volkswagen Up - £145 per month

  • Model: VW Up 1.0 65ps S/S 3 door
  • List price: £13,250
  • Deposit: £3,276.30
  • Monthly payments: £145
  • Number of payments: 35
  • APR: 0%
  • Optional final payment: £4,898.70

The Volkswagen Up won our 2020 Award for being the Best City Car, and it’s been a constant favourite for nearly a decade now. The Up has everything you need from a car yet it’s cheap to buy and run, especially with 0 per cent finance.

There’s more space inside the Up than you might expect, and it’s a light, small car so the 1.0-litre engine doesn’t feel too sluggish. Insurance is cheap as a result of this engine too. The VW is fun to drive, comfortable and even deals with motorway trips without issue - yet clearly it’s most at home around town, where it’s quiet, smooth and easy to drive.

Check out the latest used VW Up deals on our sister site Buyacar...

Ford Fiesta - £165 per month

  • Model: Ford Fiesta 1.0 Ecoboost 100 Trend 5dr
  • List price: £18,020
  • Deposit: £4,330
  • Monthly payments: £180
  • Number of payments: 36
  • APR: 0%
  • Optional final payment: £6,960

The Ford Fiesta is one of the biggest-selling cars in the UK and with 0 per cent finance available, it’s easy to see why. The Fiesta is great value in general, as dealers are all over the country and keen to compete for your business by presenting promising finance offers in addition to Ford’s official deals

It comes with plenty of kit including Android Auto and Apple CarPlay connectivity, plus it’s comfortable and economical in 1.0-litre EcoBoost petrol form. Yet the Fiesta’s best quality is the way it drives. It’s great fun no matter which model you pick - it’s not just the ST that feels sporty from behind the wheel, as all versions are agile, nippy and really enjoyable. 

Check out the latest used Ford Fiesta deals on our sister site Buyacar...

Toyota Yaris - £189 per month

  • Model: Toyota Yaris 1.5 Hybrid Design
  • List price: £22,150
  • Deposit: £4,996
  • Monthly payments: £189
  • Number of payments: 41
  • APR: 0%
  • Optional final payment: £9,405

The latest Toyota Yaris was a surprise hit when it first arrived on the market, because previous versions were a bit too dull and uncompetitive to be worthy of recommendation. Yet this new hybrid-only model is the best yet and an Auto Express Award winner.

A boost from the electric motor means that it drives smoothly and very quietly around town, and fuel economy is strong. It’s also fun on twisty roads, as it stays composed in corners and is nice and comfortable over bumps as well. The Yaris has a much-improved interior this time around, and best of all it’s available with several 0 per cent finance deals.

Check out the latest used Toyota Yaris deals on our sister site Buyacar...

Renault Zoe - £199 per month

  • Model: Renault Zoe GT Line R135 50 Rapid Charge
  • List price: £34,595
  • Deposit: £7,105 (£2,750 dealer contribution)
  • Monthly payments: £199
  • Number of payments: 36
  • APR: 0%
  • Optional final payment: £15,076

While other electric car manufacturers have focused their attention on more upmarket model segments, and in particular fashionable SUVs, Renault boldly set its sights on a more populist audience with its Zoe EV - the first battery-powered supermini on the block. 

While the Zoe has been joined by more recent rivals such as the Vauxhall Corsa-e and  Peugeot e-208, we still awarded the most recent Zoe our gong for Best Affordable Electric Car in our 2020 Awards.

With a 53kWh battery the Zoe R135 Rapid Charge can knock off up to 245 miles on a charge, which beats many much pricier rivals. It's also configured for 50kWh charging which means you can get the battery back up to 80 per cent in not much more than an hour.

Check out the latest used Renault Zoe deals on our sister site Buyacar...

Ford Kuga - £390 per month

  • Model: Ford Kuga ST-Line Edition 2.5 Duratec Plug in Hybrid 225
  • List price: £37,755
  • Deposit: £6,202
  • Monthly payments: £390
  • Number of payments: 36
  • APR: 0%
  • Optional final payment: £16,513

The Ford Kuga won our 2020 Auto Express Award for being the Best Mid-size SUV - that’s a real achievement in a class this competitive. The Kuga won because it’s comfortable, economical and practical enough to match the best cars in its class.

Yet like other models in the Ford range, the Kuga is also great to drive. It feels more like a hatchback than other SUVs, with good grip and little body roll, but it retains the SUV look and practicality that buyers crave.

Like the Fiesta above, you should be able to find plenty of dealers around willing to offer great deals on the excellent Ford Kuga.

Check out the latest used Ford Kuga deals on our sister site Buyacar...

Mazda MX-5 - £409 per month

  • Model: Mazda MX-5 1.5 SE-L
  • List price: £25,165
  • Deposit: £3,847
  • Monthly payments: £409
  • Number of payments: 24
  • APR: 0%
  • Optional final payment: £11,502

Mazda often offers 0 per cent finance across its UK line-up, and one of its most desirable models is the Mazda MX-5, the world’s best-selling sports car. It’s also one of the best sports cars ever, as it brings true driving pleasure at an affordable price.

It’s a joy to drive in any form, with revvy petrol engines, a great gearshift and wind-in-your-hair thrills. It’s comfortable even on bumpy British B-roads and it remains surprisingly economical because of its low weight. It could be a bit more practical, and won't suit very tall drivers, but it’s a great car for those looking for some everyday fun.

Looking for more new car deals? Check out our comprehensive round-up of the best deals available right now or find out if you should buy or lease a new car.

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