30 cars you can buy with 0% finance
17 September 2016
30 cars on 0% finance
Car manufacturers are no strangers to 0% finance deals. Over the course of the agreement, you’ll pay no more than the original list price. Interested? Motoring Research reveals 30 of the best cars and the best 0% deals on the market. Note the deals featured are typical examples, so consult your local dealer for more information. In the case of a Personal Contract Plan (PCP) deal, you’ll be restricted to a set number of miles per annum, while a hire purchase agreement lifts the restrictions.
Alfa Romeo Giulietta
If you can find £1,549 for the deposit, Alfa Romeo will add £2,500 to the pot, leaving you with 48 monthly payments of £199. As with all the promotions featured here, there’s an expiry date, which in this case is the end of September 2016.
BMW 640d M Sport Gran Coupe
How much of your disposable income are you prepared to spend on a car? If the answer is £559 for 48 months, the BMW 640d M Sport Gran Coupe is within reach. Your deposit is £8,979, but BMW will add a chunky £11,189.65, making a total deposit of £20,168.65. You can drive up to 10,000 miles per year and the optional final payment is £19,593.35. Tempted?
Citroen C4 Cactus
The new C3 will feature Airbumps, but the C4 Cactus got there first. Take out a hire purchase agreement on the funky compact crossover and you can take advantage of 0% finance. An example is the mid-range C4 Cactus Flair with 1.2-litre petrol engine and metallic paint, which is yours for £289.75 per month. Deposit is £6,954 and at the end of three years, the Cactus is yours.
Citroen C4 Picasso/Grand C4 Picasso
Alternatively, for something a little larger, you might want to consider the Citroen C4 Picasso or the seven-seat Citroen Grand C4 Picasso. Both have been refreshed and are available with 0% finance. The mid-spec C4 Picasso Flair, with a 1.6-litre BlueHDi diesel engine, could be yours for £683.61 a month after a £500.04 deposit. Hefty payments, but in three years the car is yours.
Fiat Tipo
The paint has barely dried on the new Fiat Tipo, but it’s already available with 0% finance. The five-door hatchback offers air conditioning, DAB radio, Bluetooth and steering wheel mounted audio controls as standard, with monthly payments starting from £159. That’s based on a 24-month PCP deal on the Tipo Easy with a 95hp 1.4-litre petrol engine. Optional final payment: £6,589.
Hyundai i10 Premium 1.0
There’s a refreshed Hyundai i10 waiting in the wings, but if you can’t wait until the Paris Motor Show, there’s 0% finance available on selected models. Order the generously equipped Premium 1.0 and – assuming you can find £3,648.50 for the deposit – you can drive away for 25 monthly payments of £86. Optional final payment: £5,062.50.
Hyundai i20
Alternatively, the larger i20 Premium 1.2 supermini could be yours for 25 monthly payments of £145. The PCP deal is based on 8,000 miles and a deposit of £5,079.50. Upgrade to the Premium SE 1.2 and the monthly payments increase to £153 a month, with a deposit of £5,284. An extra £8 a month secures heated front seats, heated steering wheel, parking sensors and a panoramic sunroof.
Hyundai Tucson S 1.7 CRDi Blue Drive
The Hyundai Tucson is a one of our favourite mid-sized SUVs and, whisper this, we’d probably choose it over the ever-popular Nissan Qashqai. To take advantage of 0% finance, you’re going to need to part with at least £7,207.50 for the deposit, with an optional final payment of £10,167.50 in 25 months’ time. The monthly payments are a manageable £130.
Jaguar XJ Luxury SWB
Here’s a 0% finance offer you probably weren’t expecting. The Jaguar XJ Luxury SWB 275PS is available for £598.86 a month, based on a 37-month agreement and a deposit of £9,999. On the plus side, Jaguar will add £7,420 to the pot – a fairly significant reduction on the £58,690 list price. That said, the £19,712 optional final payment is similarly weighty.
Jeep Renegade 2.0 Longitude
Alternatively, if you fancy something a little smaller, the Jeep Renegade – which is based on the same platform as the Fiat 500X – is available for a more manageable £175 a month. It’s swings and roundabouts, mind, because you will need to find £6,299 for the deposit. On the plus side, Jeep will add a further £2,000, leaving you to decide whether or not to pay the optional £12,171 in two years’ time.
Mazda 2
The Mazda 2 is one of the nicest cars to drive in the supermini sector, not to mention one of the sharpest looking. Right now, Mazda is offering a range of six different 0% finance deals on selected models, with repayments starting from £119 a month.
MG3
If the Ford Fiesta and Vauxhall Corsa are a little too obvious for you, the MG3 is worth a look. Prices start from £8,399 and, right now, you can take advantage of 0% finance and free insurance for a year.
MG GS
Alternatively, the new MG GS SUV is available with 0% finance over 36, 48 or 60 months. Monthly payments for the entry-level Explore start from £199.93 after a £2,999 deposit. You also get a five-year warranty and a £250 Hilton Hotel voucher.
Nissan Juke DIG-T 115 Acenta
The Nissan Juke crossover remains as popular as ever, with a range of tempting finance offers to encourage people to get behind the wheel. Buy a DIG-T 115 Acenta and Nissan won’t contribute anything to the deposit, meaning you’ll have to find the entire £4,485.75 up front. There are 37 monthly repayments of £149 and an optional final payment of £5,961.25.
Nissan Qashqai 1.5 dCi 110 Acenta
The Qashqai remains Britain’s favourite crossover and is therefore the car to beat in a fiercely competitive sector. A Qashqai dCi 110 Acenta costs £21,960, or 37 payments of £199 after a total deposit of £5,700.04, of which Nissan will contribute £500. The optional final payment is a hefty £9,095.96.
Nissan X-Trail dCi 130 Acenta
The two-wheel drive, five-seat X-Trail dCi 130 Acenta costs £25,545. Nissan will add £500 to your £5,403.13 deposit to deliver monthly payments of £229. In three years you can decide whether or not to pay the final payment of £11,397.87.
Peugeot 508
As the world continues its love affair with crossovers and SUV, cars like the Peugeot 508 are becoming the dinosaurs of the motoring world. Which is why Peugeot is offering 0% on the saloon and estate versions. The 508 saloon in Active trim and with the 1.6-litre BlueHDi engine is available for £376 a month over four years. You’ll need to find £4,504.88 for the deposit, although Peugeot will add a further £500.
Renault Clio
Fancy a Renault Clio? The 1.2 Play is available with 0% finance over two years when you pay £2,306 for the deposit. Your friendly Renault dealer will add £1,000 plus an extra £500 if you take a test drive before 26th September.
Skoda Citigo 3-Door Colour Edition
You can always rely on Skoda to deliver a range of strong offers. We kick off with the Citigo Colour Edition, which is available with a range of 0% finance deals and a number of different deposits. In all cases, Skoda will contribute £500 towards your finance deposit and – if you order before the end of September – there’s an additional £500 towards your fuel bill.
Skoda Fabia 1.0 Colour Edition
It’s a similar story with the Skoda Fabia. Based on a 42-month, 35,000-mile agreement, Skoda will give you £500 towards your deposit and £500 of free fuel. Opt for a mid-range deposit of £1,395 and the monthly payments are £189, with an optional final payment of £5,259.60.
Skoda Octavia
You might think that Skoda is reserving the 0% finance deals for the cheaper, lower trim level models, but you’d be wrong. The Skoda Octavia vRS hatch is available for £289 a month after a total deposit of £4,146.59, of which Skoda will contribute £1,000. What’s more, you’ll even get £500 of free fuel. Still want that Golf GTI?
Skoda Superb
A 0% PCP deal isn’t available on the Skoda Superb, but dig a little deeper and you’ll find a seriously tempting offer. Opt for a more traditional hire purchase agreement and you can take advantage of 0% finance and £500 of free fuel. There’s a minimum 30% deposit to pay, with a contract ranging from 12 to 36 months. At the end of the agreement, the car is yours. Sorted.
Skoda Yeti
It’s been on sale a while, but the Skoda Yeti remains one of our favourite crossovers. Right now, Skoda will contribute £1,000 towards the deposit and offer £500 of free fuel if you order before the end of September.
Toyota Yaris
Toyota is offering 0% finance on new retail orders of Yaris (excluding Active grade) until the end of September, based on a two-year PCP plan with 0%-37% deposit. On a Yaris Design – which features cruise control, reversing camera and DAB radio – the monthly payments are £159.
Toyota Auris
In common with the Yaris, the 0% finance deals on the Auris are also available on the hybrid models. Typical example: a deposit of £6,640.50 on an Auris Design results in 24 monthly payments of £219.
Toyota RAV4
Alternatively, for £199 a month, you could drive away in a Toyota RAV4 Business Edition. The deposit is £7,874.25 and – in common with all the Toyota deals – there’s an optional final payment in 24 months’ time.
Vauxhall Astra
The free fuel offer is also available on the Vauxhall Astra, but you’ll have to be quick, as it expires on the 12th September. On an Astra SRi and a 0% finance deal spread over 60 months, the deposit is £4,999 and the monthly payments are £219. As with all the offers mentioned here, this is just a typical example. Contact your local dealer for a tailored quote.
Vauxhall Corsa
To some people, the idea of a owning a car at the end of the finance agreement is more appealing than a PCP deal. You can choose your deposit and a payment term between 24 and 60 months to suit you. The new Vauxhall Corsa is rather good and could be yours for less than £200 a month.
Vauxhall Mokka
There’s a new Vauxhall Mokka X on the way, but the current Mokka is available with 0% finance. Vauxhall’s Flexible Finance is a simple thing: you choose the car, deposit and length of agreement. What could be easier? Best of all – it’s 0% finance and you get £500 of free fuel.
Volvo XC60
Finding a 0% finance deal on a Volvo was never going to be easy, but we managed it. The XC60 might not be as appealing as the new XC90, but the PCP offers are rather tempting. As a representative example, a D4 SE Nav is available for £299 per month, with a deposit consisting of £7,125 from you, £1,834 from the dealer and £1,500 from Volvo. After two years, the optional final payment is £15,675 and you’re limited to 10,000 miles per annum.
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