Skip advert
Advertisement

The best 0% finance car deals 2023

Tempted by a 0% APR deal? Here are our best 0% finance deals starting from only £35…

With 0 per cent APR finance deals ranging from as little as £35 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, though some will be less than 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.

Advertisement - Article continues below

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.

Skip advert
Advertisement
Skip advert
Advertisement - Article continues below

Recent economic conditions mean some of these deals may not be as competitive as you’d 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…

The best 0% APR deals 2023

Citroen C4

  • Model: C4 PureTech 100
  • List price: £22,080
  • Deposit: £8,832
  • Monthly payments: £34.83
  • Number of payments: 37
  • APR: 0%
  • Optional final payment: £12,114

If you want a family car that stands out from the crowd, the Citroen C4 isn’t a bad way to do it. Citroen may not be quite the crazy innovator it once was but it’s still got a bit of a unique streak, visible not just in the C4’s styling but also in its suspension and seats primarily set up for comfort rather than corner-carving.

Advertisement - Article continues below

That might risk a lukewarm reception from road testers, but certainly benefits the C4 in town and on long motorway trips, where it’s a lot more relaxed than most rivals. And true enough, it’s not as fun to drive as some, but if your priorities don’t lie in that direction, that may not be a problem.

Skip advert
Advertisement
Skip advert
Advertisement - Article continues below

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’s hefty too (less of a problem if you’re trading in your old family car), but the monthly payments are more like a phone contract than a car – helped by the C4’s supermini-style list price and larger optional final payment.

Check out the deal here.

Jaguar I-Pace

  • Model: I-Pace EV400 R-Dynamic SE Black
  • List price: £73,495
  • Deposit: £14,229
  • Monthly payments: £649
  • Number of payments: 48
  • APR: 0%
  • Optional final payment: £25,115

The Jaguar I-Pace isn’t the headline-grabber it used to be; the electric car market has expanded significantly since it arrived in 2018. But that doesn’t mean it’s no longer worth a look, and there are still plenty of reasons to opt for the Jag over more popular rivals.

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.

Advertisement - Article continues below

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 – 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.

Skip advert
Advertisement
Skip advert
Advertisement - Article continues below

Check out the deal here.

Mazda MX-30

  • Model: MX-30 Prime-Line
  • List price: £31,800 (inc. metallic paint)
  • Deposit: £6,283.50
  • Monthly payments: £299
  • Number of payments: 48
  • APR: 0%
  • Optional final payment: £11,164.50

Limited range means limited appeal for Mazda’s striking MX-30 electric car, but the brand’s current PCP offer, with 0 per cent finance and a modest £299 per month, might make the unusual electric crossover more interesting for buyers who don’t intend to travel too far.

Mazda chose a smaller battery deliberately for the MX-30, reasoning that most people only drive a relatively short distance each day so don’t need to lug around an enormous battery pack. But with an official range of 124 miles – and slightly less in the real world – the MX-30 is a tough sell, particularly with much cheaper, longer-range EVs out there.

If the range works for you, there’s still a lot to like in the MX-30, from its bold styling (with stylish, if slightly impractical reverse-hinged rear doors – 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.

Advertisement - Article continues below
Skip advert
Advertisement
Skip advert
Advertisement - Article continues below

Check out the deal here.

Skoda Enyaq iV

  • Model: Enyaq iV 60
  • List price: £38,970
  • Deposit: £7,794.21
  • Monthly payments: £365.93
  • Number of payments: 23
  • APR: 0%
  • Optional final payment: £20,759.40

Skoda has made a name for itself by building sensible yet high-quality, feature-packed family cars, and that doesn’t 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.

And while it’s not exactly cheap, a starting price of just under £39,000 isn’t actually that much higher than the Kodiaq, which starts a fraction under £35,000. With 0 per cent finance PCP deals, it could make it even easier to find an Enyaq that suits your needs.

The deal we’ve found gets you a 24-month term on an entry-level Enyaq iV 60 (with a 246 mile range) with a £2,000 deposit contribution from Skoda. We’ve found that cold weather can impact the Enyaq’s 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.

Check out the deal here.

Toyota bZ4X

  • Model: bZ4X Vision
  • List price: £52,775
  • Deposit: £8,642.51
  • Monthly payments: £499
  • Number of payments: 36
  • APR: 0%
  • Optional final payment: £26,167.50
Advertisement - Article continues below
Skip advert
Advertisement
Skip advert
Advertisement - Article continues below

No, bZ4X isn’t the name of one of Elon Musk’s children, but Toyota’s RAV4-sized electric car. In fact, it’s 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’s not a bad effort to kick things off.

Get past the unusual name and the polarising styling, and you’re 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.

One of the bZ4X’s 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 £500 deposit contribution as a sweetener too, matching the monthly payments over the 36-month term.

Check out the deal here.

Vauxhall Corsa

  • Model: Corsa GS 1.2 Turbo
  • List price: £23,505
  • Deposit: £7,051.50
  • Monthly payments: £171.45
  • Number of payments: 23
  • APR: 0%
  • Optional final payment: £12,510
Advertisement - Article continues below
Skip advert
Advertisement
Skip advert
Advertisement - Article continues below

While 0 per cent APR deals might be tricky to find at the moment, Vauxhall’s offers on the Corsa show that you don’t need to trade up to an SUV to benefit from competitive finance deals. Provided you’ve got a decent deposit – perhaps helped by a trade-in vehicle - a shiny new supermini is within reach.

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’s 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.

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’s 6,000 mile per year limit shouldn’t be too restrictive for town users either.

Check out the deal here.

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.

Skip advert
Advertisement
Skip advert
Advertisement

Recommended

Car Deal of the Day: 429bhp MG4 XPower is silly fast and ridiculously cheap at £253 a month
MG4 XPower tracking
News

Car Deal of the Day: 429bhp MG4 XPower is silly fast and ridiculously cheap at £253 a month

The MG4 XPower can beat a Porsche 911 to 62mph yet is a fraction of the price, especially with our Deal of the Day for 28 March
28 Mar 2024
Car Deal of the Day: classy Audi A4 Avant estate plus 8,000 miles per year for less than £300 a month
Audi A4 Avant driving on UK roads
News

Car Deal of the Day: classy Audi A4 Avant estate plus 8,000 miles per year for less than £300 a month

Our Deal of the Day for 27 March is for those who want a big trunk for all their junk
27 Mar 2024
Car Deal of the Day: updated Skoda Enyaq at 0% APR and a free home wallbox charger thrown in
Skoda Enyaq iV - front cornering
News

Car Deal of the Day: updated Skoda Enyaq at 0% APR and a free home wallbox charger thrown in

Skoda’s family-friendly EV with 348-mile range is our Car Deal of the Day for 26 March
26 Mar 2024
Car Deal of the Day: Mazda MX-5 roadster for £309 a month, just in time for Summer
Mazda MX-5 Homura - front tracking
News

Car Deal of the Day: Mazda MX-5 roadster for £309 a month, just in time for Summer

If you’re after that wind-in-your-hair driving experience, check out our Car Deal of the Day for 25 March
25 Mar 2024

Most Popular

Road tax set to rise in April: here’s how much more you’ll pay
Road tax documentation
News

Road tax set to rise in April: here’s how much more you’ll pay

Drivers with newer cars will now pay £10 more per year, although the biggest gas guzzlers fare even worse
28 Mar 2024
Posh new trim level for Dacia Sandero while the Sandero Stepway gets more power
Dacia Sandero - front
News

Posh new trim level for Dacia Sandero while the Sandero Stepway gets more power

Both the Sandero and Sandero Stepway ranges have been tweaked, gaining more safety features to meet the latest regulations
26 Mar 2024
Huge Audi new car blitz to bring us 9 models in 2 years
Upcoming Audi models - four-way image
News

Huge Audi new car blitz to bring us 9 models in 2 years

After a quiet few years, the German giant is gearing up for its biggest product onslaught to date
25 Mar 2024