All the cars you can get on 0% APR finance

However, that’s no longer the case; even if you do have the money to buy a new car outright, in many cases you’re now better off entering a finance agreement instead.

One reason for this is that dealers no longer make big margins on sales, with finance one area in which they can claw back some dividends. Indeed, some are so keen to push these schemes that they're offering 0% APR finance, meaning you can spread the cost over multiple instalments without getting charged interest.

Sound appealing? Well, here we've compiled a list of the cars available on 0% APR finance which currently have a four-star What Car? rating or higher.

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Editor's note: Images are purely illustrative and do not necessarily reflect specified trim levels

Variant: 2.0 TB Veloce

A welcomed step away from the usual German entourage, the Giulia sports a line of strong powertrains encased in gorgeous Italian penmanship.

 

 

Inside, the good fortunes continue. Often the undoing of Alfas throughout history, the interior of the Giulia is surprisingly well made and makes for a comfortable place to fire down any given motorway. The 0% enticement only sweetens the deal.

Monthly Payment: £375

Customer Deposit: £9392

FDC (manufacturer contribution): £1250

Optional Final Payment: £15,733

Duration: 37 months

Variant: Sport 50 TDI quattro

The A8’s blend of performance, comfort and refinement makes it the most relaxing luxury limo you can buy.

It's the car that finally knocked the Mercedes S-Class off its perch, yet due to slow sales, there are some fantastic offers.

Monthly Payment: £609

Customer Deposit: £8011.35

FDC: £11,000

Optional Final Payment: £24,060.65

Duration: 4 years

Variant: ST-Line 1.0 EcoBoost

The Fiesta has long been the benchmark small car for driving fun and this latest version continues that tradition.

However, it also offers a smarter interior than its predecessor and swaps that car's fiddly, button-heavy infotainment system for a more user-friendly touchscreen. True, some rivals are more practical, but the Fiesta is still a fine choice.

Monthly Payment: £199

Customer Deposit: £3871

FDC: £1000 

Optional Final Payment: £6235

Duration: 3 years

Variant: ST-Line 1.0 EcoBoost

Like its smaller sibling, the Focus mixes fun driving dynamics with plenty of safety kit and low running costs. 

Just be aware that rivals like the Mazda 3 and Volkswagen Golf offer more in the way of interior luxury.

Monthly Payment: £220

Customer Deposit: £5491

FDC: £500

Optional Final Payment: £8934

Duration: 3 years

Variant: Titanium 2.0 EcoBlue

Chances are you've been a passenger in one of these MPVs on the way to or from an airport - and there's a very good reason for that. Huge inside, relatively cheap to run and almost enjoyable to drive, the Galaxy makes for a near-perfect people hauler, and that's why cabbies love them.

 

The elevated seating position, oodles of steering wheel adjustment and fairly logical dashboard layout makes the inside of the Galaxy a pleasant place to be. However it's beaten on overall quality by the Volkswagen brothers Sharan and Touran.

Monthly Payment: £289

Customer Deposit: £11,377

FDC: £0

Optional Final Payment: £11,579

Duration: 3 years

Variant: Titanium Edition HYBRID

Whereas the 'Mondeo Man' of the 1990s was the epitome of middle-class conformity, today the lack of low-riding, non-premium saloons on the road means the man or woman that drives this will instead stand out from the crowd.

While the Mondeo holds its own against key rivals such as the Skoda Superb and Volkswagen Passat, it can't touch anything Mercedes or BMW have to offer - one reason for this is the sub-par interior quality.

Monthly Payment: £269

Customer Deposit: £6143

FDC: £1000

Optional Final Payment: £11,453

Duration: 3 years

Variant: ST-Line 2.0 EcoBlue 

The second people hauler on this list, the S-Max is Ford's attempt to inject a whiff or sportiness into the MPV segment - and it succeeds, mostly.

Sporting firmer suspension that most in the class, the S-Max highlights road imperfections more than rivals, however not to such an extent that we would call it uncomfortable. With buckets of room and enticing styling, it's a shame the S-Max is plagued with a substandard interior.

Monthly Payment: £289

Customer Deposit: £12,182

FDC: £0

Optional Final Payment: £13,274

Duration: 3 years

Variant: Wildtrak 3.2 TDCi

With a recent influx of pick-ups arriving in the UK, Ford have jumped towards forefront of the market thanks to the Ranger. Available in a multitude of trims with the ability to cut some serious shapes on the muddy stuff yet also crush any given motorway, we like this beast.

Here Ford has attempted to retain the rugged interior expected of such a vehicle, combined with the qualities buyers expect of SUV interiors. Its mostly succeeded, however the interior found in the Volkswagen Amarok is a classier, more comfortable place to be.

Monthly Payment: £309

Customer Deposit: £9060.63

FDC: £0

Optional Final Payment: £13,120

Duration: 3 years

Variant: EX 1.3 i-VTEC

The Jazz has long bridged the gap between small cars and mini-MPVs, and the latest version continues that tradition.

It offers class-leading space and practicality, and it might even outlast you with its outstanding reliability.

It offers class-leading space and practicality, and it might even outlast you with its outstanding reliability.

Monthly Payment: £165

Customer Deposit: £4089.74

FDC: £0

Optional Final Payment: £7730.40

Duration: 3 years

Variant: 1.5 DCI 115 Acenta Premium

The Qashqai is the car that started the trend for jacked-up family hatchbacks, and it remains one of the best following a recent update.

Not only is it one of the more comfortable cars in the class, but its 1.5-litre diesel engine is smooth and quiet.

Monthly Payment: £298.97

Customer Deposit: £1799

FDC: £350

Optional Final Payment: £8200.27

Duration: 49 months

Variant: R.S. Line TCe 100

It might not be the most fun or comfortable small car, but the Clio continues to be a great all-rounder.

Stick with the mid-range Iconic with the TCe 100 engine and you’ll have yourself a very well-priced and practical family car, although interior quality and the infotainment system can’t compete with its German Volkswagen Polo rival.

Monthly Payment: £239

Customer Deposit: £2272

FDC: £0 

Optional Final Payment: £9787

Duration: 25 months

Variant: R110 Z.E. 50

The Renault Zoe looks temptingly priced against the army of small electric cars due to hit the market soon, such as the Honda E and Mini Electric.

Updated with a big boost in performance and an improved interior, the latest Zoe remains a strong electric car contender.

Monthly Payment: £269

Customer Deposit: £2995

FDC: £562 

Optional Final Payment: £15,657

Duration: 25 months

Variant: R.S. 1.8 280 5dr

The Mégane RS isn’t the fastest hot hatch in the world, but it’s great fun to drive and cheaper than most rivals.

Standard equipment is pretty generous and includes climate control, LED headlights, rear parking sensors and keyless entry. But we’d recommend adding metallic paint and, more importantly, the Safety Pack Premium, which adds automatic emergency braking.

Monthly Payment: £229

Customer Deposit: £4579

FDC: £0

Optional Final Payment: £15,172

Duration: 37 months

Variant: XCELLENCE 1.5 TSI EVO

There is a lot to like about the Seat Tarraco. It’s enjoyable to drive, generously equipped and one of the safest cars in its class, but it isn’t as versatile as the very best large SUVs.

Entry-level SE models are reasonably equipped, with 17in alloy wheels, three-zone climate control, automatic wipers and power-folding door mirrors. We reckon it’s worth upgrading to SE Technology trim, though, not only for its sat-nav but also because it brings upmarket features such as 18in wheels and tinted rear windows.

Monthly Payment: £289

Customer Deposit: £5009

FDC: £0

Optional Final Payment: £11,728

Duration: 48 months

Variant: S 1.0 MPI

The Skoda Fabia is a fine small car and incredible value for money if you choose carefully. We reckon the 1.0 TSI 95 in SE trim makes the most sense.

Entry-level S trim misses out on some kit most people would consider the norm these days, such as air conditioning and alloy wheels. A glance at the equipment list confirms why SE makes more sense. Alloy wheels, air-con and a leather steering wheel and gearlever all feature. It actually makes the range-topping SE L seem a bit unnecessary.

Monthly Payment: £105

Customer Deposit: £2,239.65

FDC: £1250

Optional Final Payment: £4110.30

Duration: 48

Variant: Design 2.5 AWD Automatic

The RAV4 is fairly ordinary to drive, but its strong points lie elsewhere. Its real selling points are costs; yes, it’s a little pricier to buy than some other large SUVs, but you should make that back down the line through its strong resale values. If you’re a company car driver, the RAV4 should work out to be one of the cheapest large SUVs on company car tax, too.

It might be pricier to buy than some rivals, but equipment levels are high. All models come with adaptive cruise control, dual-zone climate control, alloy wheels, an auto-dimming rear-view mirror, automatic headlights, rain-sensing wipers, power-folding door mirrors and rear privacy glass.

Monthly Payment: £279

Customer Deposit: £8633

FDC: £0

Optional Final Payment: £20,025

Duration: 24 months

Variant: Touring Sport Hybrid Design 1.8 VVT-i

In hybrid form, the Toyota Corolla Touring Sports is a unique and rather convincing proposition in the estate car category, offering exceptionally low running costs, great residual values and plenty of standard equipment.

Yes, the boot isn’t quite as large as those found in conventional rivals, but it’s not far off. In short, for buyers looking for an alternative to diesel, the Touring Sports is well worth a look.

Even entry-level Icon trim comes with dusk-sensing headlights, dual-zone climate control, adaptive cruise control, heated front seats and 16in alloy wheels. We reckon Icon Tech is the one to go for, though; it keeps the price relatively low while bringing a good haul of extra upgrades.

Monthly Payment: £229

Customer Deposit: £6911

FDC: £0

Optional Final Payment: £10,710

Duration: 42 months

Variant: Design 1.8 VVT-i

The Corolla is the best hybrid car you can buy right now. Even the lesser, 1.8-litre version feels lively enough, plus it's very comfortable, benefits from Toyota's exceptional reliability record, and offers super-frugal fuel consumption.

Its interior is solidly made, withe plenty of soft-touch materials that lend it a competitively plush feel. However some details aren’t quite as classy its rivals, though. The leather on the steering wheel and gearlever, for example, feels a little plasticky compared with the fine-grain stuff you’ll find in a Volkswagen Golf.

Monthly Payment: £229

Customer Deposit: £6911

FDC: £0

Optional Final Payment: £10,710

Duration: 42 months

Variant: T4 Momentum Plus

If you want something that stands out from the usual German choices, this big Swedish luxury saloon could be just the thing.

It has a classy, spacious interior and loads of standard equipment. Just bear in mind that the T4 petrol engine won't be easy on fuel.

Monthly Payment: £299

Customer Deposit: £5843.87

FDC: £2000

Optional Final Payment: £13,040.63

Duration: 49 months

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