The best 0% finance car deals 2021

Our picks of the best 0% finance deals on some fantastic cars

Best 0% finance car deals 2020 - header

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 some 0 per cent APR deals on our favourite cars. All the deals here are correct at the time of writing, but even if they’ve changed slightly, they still give you an idea of what’s available.

All the cars listed below were winners or runners-up in our 2020 Auto Express 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 2020

Volkswagen Up - £145 per month

  • Model: VW Up 1.0 65ps S/S 3 door
  • List price: £12,705
  • Deposit: £3,761
  • Monthly payments: £145
  • Number of payments: 36
  • APR: 0%
  • Optional final payment: £3,869.10

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 motor 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 - £175 per month

  • Model: Ford Fiesta 1.0 125 Ecoboost Trend Edition
  • List price: £18,760
  • Deposit: £5,333
  • Monthly payments: £175
  • Number of payments: 36
  • APR: 0%
  • Optional final payment: £6,127

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 2.0 Hybrid Design
  • List price: £29,200.00
  • Deposit: £4,289
  • Monthly payments: £189
  • Number of payments: 41
  • APR: 0%
  • Optional final payment: £8,932.50

The new Toyota Yaris was a surprise hit when it arrived earlier in 2020, 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.

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 too, 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...

Mazda MX-5 - £315 per month

  • Model: Mazda MX-5 1.5 SE-L
  • List price: £24,590
  • Deposit: £3,756.75 (£500 contribution)
  • Monthly payments: £315
  • Number of payments: 36
  • APR: 0%
  • Optional final payment: £8,993.25

Mazda often offers 0 per cent finance on its cars in the UK and we reckon the best one at the moment 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 even remains surprisingly economical because of its low weight. It could be a bit more practical but it’s a great car for those looking for some everyday fun.

Check out the latest used Mazda MX-5 deals on our sister site Buyacar...

Volvo V90 - £392 per month

  • Model: Volvo V90 B4 Momentum 
  • List price: £38,465
  • Deposit: £7,554.60 (£2,000 contribution)
  • Monthly payments: £392.49 
  • Number of payments: 37
  • APR: 0%
  • Optional final payment: £14,088.75

The Volvo V90 doesn’t technically appear in the 2020 Auto Express Awards, but the S90 saloon version does, and Volvo is currently offering 0 per cent APR on the V90 estate only. Arguably the V90 is an even better choice as it’s more practical.

The big Volvo brings plenty of Swedish charm, with a minimalist interior that’s very well built and uses lots of high-quality materials. The driving experience is relaxed rather than sporty, with a smooth ride and light control weights.

The engines are quiet and smooth enough, and while the gearbox could be a bit more responsive, it’s good when you’re on the motorway. The V90’s spacious interior and big boot mean it’s a great family car.

Check out the latest used Volvo V90 deals on our sister site Buyacar...

Hyundai Kona Electric - £544 per month

  • Model: Hyundai Kona Electric 64kWh Premium
  • List price: £36,150
  • Deposit: £7,300
  • Monthly payments: £311
  • Number of payments: 37
  • APR: 0%
  • Optional final payment: £17,644.38

The Hyundai Kona Electric is a previous Auto Express Award winner, and it’s the only fully-electric car on this list. It’s not common to see 0 per cent finance deals on electric cars, let alone ones as good as this.

The Hyundai delivers where many EVs can’t - it will consistently do over 250 miles on a single charge, even in winter or with lots of motorway miles. It’s quiet, smooth, easy to drive and packed full of tech including smartphone connectivity and clever sat-nav tech that helps you to find public charge points.

It’s practical enough to be used as a family car and the long electric driving range means that it really works as a family car where other EVs might not cut it.

Check out the latest used Hyundai Kona deals on our sister site Buyacar...

Ford Kuga - £310 per month

  • Model: Ford Kuga ST-Line 2.0 EcoBlue Mild Hybrid 150PS
  • List price: £32,075
  • Deposit: £6,682
  • Monthly payments: £310
  • Number of payments: 36
  • APR: 0%
  • Optional final payment: £13,233

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...

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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