Buying Guide: Best 0% APR finance deals on new cars in 2018

Loans for less

We now have a new guide for the best 0% APR finance deals for 2019. Check out the best new 0% offers here.

BUYING a car on finance is an appealing proposition. You don’t have to save up or spend what savings you may already have, leaving your finances free for other things, such as family holidays or work on the home. Instead, the cost of the car is spread over a defined time period, often three years, and monthly payments make a new car more attainable for many drivers.

However, most loans of any kind will involve a cost to you called the Annual Percentage Rate (APR). The charge means that you pay back more than you borrowed over the period, and the APR can vary greatly.

In order to lure buyers there are some loans that charge nothing, though, saving consumers thousands of pounds. These 0% finance deals aren’t all that common, and of the few there are, many are only offered for a limited period.

We’ve gone through manufacturer websites and in this buying guide highlight the best cars in a variety of shapes, sizes and budgets that are available with a 0% finance package.

The prohibitive sum of the deposit can often rule out 0% loans

With all the cars listed, terms and conditions will apply, and the size of the necessary deposit contributions, monthly payments and agreement periods also vary. The prohibitive sum of the deposit, in particular, can often rule out 0% loans for drivers choosing to buy a new car using finance.

What’s more, 0% finance may well be available only on specific versions of the models mentioned, and the deals could be only available with a specific type of finance agreement, whether that be a Personal Contract Purchase (PCP), Hire Purchase (HP) or another product. That means drivers must read the small print carefully to check what’s being offered.

However, with no interest to pay, within these deals on new cars could be an offer you can’t afford to miss.

The best citycar with 0% APR: Volkswagen Up!

The Volkswagen Up! is already an enticing option in the citycar segment, and its 0% finance offer makes the smallest VW on sale an even more tempting buy. You’ll have a fairly well specified up if you go for the 0% finance deal too, as all of the trims bar the entry level spec and the range-topping GTI model are included in the offer.

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The best small car with 0% APR: Ford Fiesta Active

Last month’s Ford Fiesta offer is no more, so the only way to get the Ford Supermini on 0% finance now is if you opt for the Active version. It’s more expensive than the standard car, but the Ford Fiesta Active is still a great little hatchback, and the extra suspension travel over the standard car means it has a slightly better ride over bumpy roads.

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The best compact family car with 0% APR: Seat Leon

There are lots of great family hatchbacks to choose from, but the Seat Leon is one we reckon should be on your radar. Even without the 0% APR deal, it’s a goof value all-round hatchback, with decent amounts of space, a good standard equipment spec and a broad range of impressive engines. The Leon ST estate version can also be bought on 0% finance, if you need a bit more boot space.

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Read Clarkson’s review of the Seat Leon ST here

The best large family car with 0% APR: Vauxhall Insignia Grand Sport

Executive brands may be snapping up most of the large family car sales, but cars from less upmarket makers are still shortlist worthy. Case in point: the Vauxhall Insignia Grand Sport. As well as being comfortable and well built, it’s also very spacious and comes with an impressive amount of kit as standard.

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The best compact SUV with 0% APR: Citroën C3 Aircross

Compact SUV buyers are spoilt for choice these days, though we reckon the Citroën C3 Aircross is worth taking a closer look at. As well as standing out from the crowd with its bold design, the CW Aircross’ light steering and pedals, spacious cabin and comfy ride mean it excels as an everyday family runabout. There are loads of customisation options, too, if you want to add a personal touch.

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Read Clarkson’s review of the Citroën C3 Aircross here

The best family SUV with 0% APR: Nissan Qashqai

10 years after the original car was launched, the Nissan Qashqai remains a hit with car buyers. As well as being easy to drive and affordable to run, the Qashqai is also a practical SUV, with lots  of space in the cabin and boot. Factor in 0% APR finance offers like this, and it’s not hard to see why the Nissan is the UK’s fourth best-selling car of 2018 so far.

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Read Driving’s review of the Nissan Qashqai here

The best people carrier (MPV) with 0% APR: Renault Grand Scenic

The golden age of the MPV may be long behind us now, but that doesn’t mean people carriers shouldn’t be on your radar. Of those that have survived the rise in popularity of big SUVs, we reckon the Renault Grand Scenic is one of the best out there – being as spacious and as versatile as you’d expect from a car in this class.

With some encouraging 0% APR finance offers available for the car too, the Renault Grand Scenic is proof there’s still life in the MPV class yet.

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Read our long-term test of the Renault Grand Scenic here

The best pickup truck with 0% APR: Nissan Navara

If you’re after something a bit tougher than a family SUV, you can’t go too wrong with a Nissan Navara. Though not as cossetting as a Qashqai, the Navara is a well-appointed and surprisingly comfy truck, on top of being as practical as you’d expect a pickup to be. The all-wheel drive versions are pretty handy off-road, too.

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The best sports car with 0% APR: Mazda MX-5 RF

The world’s best-selling roadster combines a fun drive with good looks and affordability. The two-seater MX-5 becomes even more affordable on a 0% finance deal, which Mazda is currently offering on a limited basis when choosing a hire purchase agreement. Jeremy Clarkson called the MX-5 a “full-on, five-star gem.”

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Read Driving’s comparison of the Mazda MX-5 and Fiat 124 Spider

The best executive car with 0% APR: Jaguar XF Sportbrake

The likes of the Audi A6 Avant and Mercedes-Benz E-Class Estate may be more obvious choices, but the Jaguar XF Sportbrake is a strong candidate if you’re after a new executive car. As well as being comfy, nicely equipped and great fun to drive, the Jaguar XF Sportbrake also has the perk of being available with 0% APR finance.

If you want to save yourself a bit more money and don’t need the extra space of the Sportbrake, Jaguar is also doing an identical 0% deal on the XF saloon.

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The best luxury car with 0% APR: Audi A8

Being the car maker’s flagship saloon, the Audi A8 is an unsurprisingly lavish car. In true Audi fashion, the interior is impeccable, and the A8 is crammed with advanced tech such as air suspension, a slick digital dashboard display and a suite of safety assists. As an added incentive, the current 0% APR offer also has an £8,875 deposit contribution – bringing the total payable amount down to ‘only’ £61,080.

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Read Clarkson’s review of the Audi A8 here

Driving’s bonus car with 0% APR: Alfa Romeo Giulia QV

Though most 0% finance deals are only featured on mass market cars, you do every now and again see them for performance vehicles.

As well as being stunning to look at, the Alfa Romeo Giulia QV is also one of the best performance cars you can buy right now – even the hard-to-please Jeremy Clarkson reckons the Alfa Romeo is a “sublime” sports saloon. You’ll need deep pockets if you want a 0% finance Giulia QV, though, as the offer requires a deposit of £21,856.

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Read Driving’s review of the Alfa Romeo Giulia QV here.


(Deals correct at time of publication, but many such deals are temporary. Although this article is updated on a regular basis, cannot guarantee that every deal will remain available between updates.)

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