Best 0% interest car deals

Version T03 37.3kWh | Monthly payment £169 | Customer deposit £169 | Total contributions £1906

It’s hard to park a new car on your driveway for less than a Leapmotor T03. Not only is it one of the cheapest new cars to buy, but it could be yours on a four-year PCP deal with £169 down and £169 per month. That’s less than a monthly Zone 1-6 London Travelcard. And as a small electric car, it’ll cost buttons to run if you have access to a home EV charger, too.

The T03 is comfortable and easy to drive around town – and a reasonable official range figure of 165 miles reflects that; the pricier Citroën ë-C3 and Renault 5 can travel farther. The interior is cheap but cheerful, and feels well built. There’s a decent feeling of space, too, and all but the tallest drivers should be able to get comfy – blame the limited driver’s seat and steering wheel adjustment for that. There’s a good amount of space in the back as well, although if you regularly transport three passengers back there, look elsewhere because the T03 is a strict four-seater. 

There’s only one version of T03 available, but it comes with an impressive amount of standard kit for the money. It’s not been put through its paces in Euro NCAP’s crash tests yet, but should you need to rely on the four-year warranty, remember that the number of Leapmotor dealership is relatively small, but growing fast. 

Read our in-depth Leapmotor T03 review

Version Swift Mild Hybrid Motion | Monthly payment £199 | Customer deposit £1494 | Total contributions na

A lot of cars with 0% PCP deals are electric because car makers have government targets to hit. So it’s surprising to see a petrol-powered model at the cheaper end of our list – especially one that’s fun to drive.

Yes, a lot of that is to do with the cheapest Swift being one of a narrowing band of cars with a cash price of less than £20,000, but 0% APR and a 10% deposit secures its place here. The Swift is very economical, capable of 64.2mpg under official figures, and regardless of the trim you choose, very well equipped. Indeed the entry-level trim is the one we recommend. If safety is your top consideration, it’s worth bearing in mind that it only achieved three out of five stars in Euro NCAP crash testing, but the similarly-priced Dacia Sandero fared even worse.

With 81bhp, the Swift isn’t desperately powerful, but it’s light so feels, err, swifter, than you might expect. That light weight means it’s fun through the bends, too, and while its ride is firm, it’s nimble for city streets. And there’s space inside for four six-footers inside to enjoy the smart-looking interior.

Read our in-depth Suzuki Swift review

Version #1 Pure | Monthly payment £299 | Customer deposit £1395 | Total contributions £5000

The Smart #1 is undoubtedly one of the best 0% APR deals of all right now. That’s because it’s a brilliant electric car that’s made even more affordable with £5000 of incentives – a £3500 ‘manufacturer offer’ plus a £1500 Smart EV grant. Over 48 months, that adds up to repayments of just £295.

Even in its entry-level Pure guise, the #1 is swift to drive, and with charge speeds of up to 150kW, it’s very fast to charge, too. It’ll manage 193 miles on a charge, under official figures, which is less than the Kia EV3 and Jeep Avenger Electric. If range is a concern, Smart is also offering 0% finance on the longer-range Premium trim for £399 per month.

The #1’s interior is very good quality, particularly for the price, and has a high-end Apple feel to it. The infotainment system is very responsive, which is just as well because you have to use it to change the air-con settings. It’s disappointing the voice control isn’t better, too. On the plus side, there’s a good amount of space front and rear (and all seats recline). Not only that, the boot is of a decent size, making the Smart #1 excellent family transport. 

Read our in-depth Smart #1 review

Version Model 3 RWD | Monthly payment £299 | Customer deposit £3586 | Total contributions £0

While the Smart #1 might be one of the best 0% deals around right now – it is just about edged by the superb Tesla Model 3. While you’ll need to lay down another £2191 deposit – not an insignificant amount – the Model 3 is our reigning Executive Car of the Year, and uses the brilliant (and well-priced) Tesla Supercharger charging network. 

It’s the entry-level Rear-Wheel Drive model which is the PCP champion, but we think the Long Range Rear-Wheel Drive model is better, because it boosts range from 322 miles to 466 under official figures. And for an additional £76 per month, it’s a 0% deal that won’t break the bank.

Yet regardless of version, the Model 3 is good to drive, packed with tech and far more practical than its sleek looks might suggest. The huge, responsive touchscreen infotainment system is a highlight – although we question the logic in selecting forward and reverse and operating the door mirrors through it. There’s plenty of space for passengers, though, and there’s loads of luggage space, even if access is hampered by the saloon-car boot lid.

Read our in-depth Tesla Model 3 review

Version CLA 250+ Sport Edition | Monthly payment £346.51 | Customer deposit £7807.52 | Total contributions na

Yes, a £7807 deposit – 17.5% of its cash price – is a little heavy, but the CLA is Mercedes’ newest model and in the 250+ guise here, is an electric car which can go farther than any other car on this list. Indeed, at 484 miles under official figures, it’ll go for longer than pretty much any EV at any price.

It’s worth noting at this point that it’s only the electric CLA which is eligible for 0% finance.

While it can charge faster than most EVs, it’s not compatible with many older chargers. While newer chargers are popping up all the time, it should be something to consider if you’re frequently travelling long distances.

In all other regards, the CLA is a fine long-distance cruiser: comfortable yet agile, and its interior has the wow factor with two large display screens – three if you specify an optional 14in passenger touchscreen. Space is good up front, and the boot is a good size, but the opening is narrow and it’s a little tight in the rear.

Read our in-depth Mercedes CLA review

Version Elroq Edition 60 | Monthly payment £358.40 | Customer deposit £6,202.90 |  Total contributions na

The Elroq is What Car?’s 2025 Best family electric SUV for value – and that was before Skoda began offering 0% finance. So it’s no surprise to find it on this list.

As a value proposition, it is exceptional: even the entry-level model comes with heated front seats, a heated steering wheel, front and rear parking sensors and built-in sat-nav. The Edition trim, which is the only version available with 0% finance, adds in a suite of driver assistance features, wireless charging and larger wheels.

In any guise, though, the Elroq is better to drive than the Kia EV3, MG S5 and Renault Scenic, and it’s particularly spacious with many of the clever practical features for which Skoda is famed, such as umbrellas which stow in the doors. The entry-level 60 version which is part of the 0% deal can manage 265 miles on a change under official figures, which is only slightly less than the EV3.

Read our in-depth Skoda Elroq review

Version Tiggo 8 CSH Aspire PHEV | Monthly payment £389 | Customer deposit £2,676.50 | Total contributions £350

As a cash purchase, the Chery Tiggo 8 is one of the cheapest seven-seaters on the market – but currently the only one on affordable 0% APR finance. To access that deal you’ll need to choose the plug-in hybrid model in entry-level Aspire (as outlined here), or in higher-spec Summit trim.

You’re unlikely to feel short changed when it comes to interior space, because there’s plenty of it in the first and second rows, although you’ll find more third-row seat space in a Peugeot 5008. Interior quality is pretty good, too, and lots of equipment comes as standard, even if  the infotainment system which is used to operate most of the car’s features is rather laggy. 

The driving experience is a step behind its rivals, though, with soft suspension meaning it leans through corners, there’s not much feel through the steering wheel and the brake pedal action is very sharp. Still, seven-seat SUVs aren’t always bought for a scintillating driving experience, and the more practical attributes – and that price tag – could be enough for many.

Read our in-depth Chery Tiggo 8 review

Version Explorer 52kWh RWD Style | Monthly payment £394.58 | Customer deposit £5000 | Total contributions £4000 

The Ford Explorer badge has been around since 1990, largely in North America, but was affixed to the bootlid of a large SUV on these shores. Since then, it’s been reborn as an all-electric model, which owes its existence to the Volkswagen ID 4, the model on which it’s based.

However, this is no mere rebadging exercise, because it’s better to drive than the VW – in particular the more precise brakes – and it has a nicer interior. The star of the show here is a larger 14.6in portrait orientated touchscreen which adjusts through 30-degrees. Space is plentiful, although the Kia EV6 or Renault Scenic are slightly more spacious in the back.

Our finance illustration is for the cheapest Explorer; Style comes with 19in alloy wheels, keyless entry, LED headlights with auto high beam, adaptive cruise control and dual-zone climate control. It can charge at 145kW, meaning a 10-80% charge will take around 25 minutes. If you want to cut that time, you’ll need the Extended Range AWD model – costing you £434 a month on a 0% PCP deal.

Read our in-depth Ford Explorer review

Version e:Ny1 Elegance | Monthly payment £399 | Customer deposit £5000 | Total contributions £8750

Ordinarily we’d say the Honda e:Ny1 is expensive, but right now Honda is offering a £5000 deposit contribution plus a £3750 Honda EV grant. Alongside a reasonable £5000 customer deposit, that means you’re financing £26,812 – a healthy reduction in the car’s original cash price of £40,660.

So, what do you get for your money? Well, the clumsily named e:Ny1 is an electric SUV that’s practical and offers a decent performance. Indeed, it matches that of the  Hyundai Kona Electric, but its official range of 250 miles puts it a step behind the 270 mile Kia EV3 Standard Range (270 miles) and 260 mile Smart #1 Pro+. 

However, while there’s loads of space in the back seats and the boot is a good shape, the interior is disappointing, with more scratchy plastics than you might expect in a car of this price, there are fewer physical buttons than in other Hondas. There’s no criticising the amount of standard equipment, though, and it’s the entry-level Elegance model outlined here that we think best.

Read our in-depth Honda e:Ny1 review

Version EX30 Single Motor Extended Range Plus | Monthly payment £427.40 | Customer deposit £5500 |  Total contributions na

Proving that 0% APR deals aren’t the preserve of more common-or-garden brands, the decidedly upmarket Volvo EX30 electric SUV joins the club. There’s no contributions to soften the blow, and the £5500 customer deposit totals almost 14% of the cash price, but that 0% interest rate pegs repayments to £427 per month over four years.

We think the EX30 is best in the Single Motor Extended Range Plus guise because it represents superb value, and with 295 miles of range under official figures, it can travel a whopping 90 miles farther than the cheapest EX30. Our favourite trim, Plus, features heated front seats, a heated steering wheel, dual-zone climate control and a powered tailgate, although you’ll have to pay extra for adjustable lumbar support.

Whichever EX30 you choose, you’ll enjoy a wonderful interior that feels built to last, and an excellent voice control system – which is handy, because the Google-based infotainment system is menu heavy and there aren’t many physical controls. Still, it’s spacious upfront and has a big boot. The EX30 trump card is the driving experience: comfortable, fast and agile.

Read our in-depth Volvo EX30 review

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