Volvo C40 Recharge

Volkswagen Tiguan

Volvo XC60

BMW i4

Chevrolet Corvette C8 Stingray

DS 4

Skoda Fabia

Bentley Continental GT

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.

Slideshow story - please click right-hand arrow above to continue&nbsp;

Editor's note:&nbsp;Images are purely illustrative and do not necessarily reflect specified trim levels

Walk into a showroom with a suitcase full of cash 10 years ago and you would have had sales staff fighting each other off to help you spend it on a shiny new car.

Alfa Romeo now has one of its strongest-ever model line-ups, after years of living off past glories.

The BMW 3 Series-rivalling Giulia executive saloon is one of the best cars in its class to drive and has performed very well in the annual What Car? Reliability Survey, while the closely related Stelvio competes in the booming SUV class.

Smaller and larger SUVs are planned, as is a two-door coupé version of the Giulia that will take on the Audi A5, BMW 4 Series and Mercedes-Benz C-Class Coupé.

It’s all a long way from the days when Alfa Romeo just had a couple of dated hatchbacks (the Mito and Giulietta) and the niche 4C sports car in its range.

ALFA ROMEO

GIULIA

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.

&nbsp;

&nbsp;

Alfa Romeo Giulia

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

Alfa Romeo Giulia - interior

Audi is a brand that sets the standard for interior quality, and this, combined with its vast and ever-growing model line-up, has helped it become one of the ‘big three’ German prestige car makers, along with BMW and Mercedes-Benz.

The A3 hatchback, A4 executive saloon and Q7 SUV have all won their classes at the What Car? Car of the Year Awards in recent years, while the TT coupé is the most decorated car in the history of the ceremony.

At least some of Audi's success over the past 30 years can be attributed to the growth in sales of vehicles with four-wheel drive; the company arguably led the way in bringing 4x4 technology into the mainstream, with its Quattro coupé in the early 1980s.

Today, most Audis are available with at least the option of four-wheel drive, while the list of SUVs from the brand includes the Q2, Q3, Q5 and Q7.

AUDI

Variant:&nbsp;Sport 50 TDI quattro

The A8’s blend of performance, comfort and refinement makes it the most relaxing luxury limo you can buy.

Audi A8

It's the car that finally knocked the&nbsp;Mercedes S-Class&nbsp;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

Audi A8 - interior

Ford builds some of the most popular cars in the UK, including the Fiesta and Focus hatchbacks.

This success is partly down to longevity and the fact that there’s a Ford dealer around every corner. However, it’s also because Fords tend to offer good value and be among the best cars in their respective classes to drive.

The company’s huge range also helps; it offers everything from the small – but surprisingly practical – Ka+ to the large and lavishly equipped Edge SUV.

Meanwhile, other highlights of the range include the S-Max and Galaxy people carriers, the Mondeo executive car and the Ranger pick-up.

FORD

FIESTA

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.

Ford Fiesta

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&nbsp;

Optional Final Payment: £6235

Duration: 3 years

Ford Fiesta - interior

FOCUS

Variant:&nbsp;ST-Line 1.0 EcoBoost

Like its smaller sibling, the Focus mixes&nbsp;fun driving dynamics with plenty of safety kit and low running costs.&nbsp;

Ford Focus

Just be aware that rivals like the&nbsp;Mazda 3&nbsp;and&nbsp;Volkswagen Golf&nbsp;offer more in the way of interior luxury.

Monthly Payment: £220

Customer Deposit: £5491

FDC: £500

Optional Final Payment: £8934

Duration: 3 years

Ford Focus - interior

GALAXY

Variant:&nbsp;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.

&nbsp;

Ford Galaxy

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

Ford Galaxy - interior

MONDEO

Variant:&nbsp;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&nbsp;that drives this will instead stand out from the crowd.

Ford Mondeo

While the Mondeo holds its own against key rivals such as the Skoda Superb and Volkswagen Passat, it&nbsp;can't touch anything Mercedes or BMW have to offer - one reason for this is&nbsp;the sub-par interior quality.

Monthly Payment: £269

Customer Deposit: £6143

FDC: £1000

Optional Final Payment: £11,453

Duration: 3 years

Ford Mondeo - interior

S-MAX

Variant:&nbsp;ST-Line 2.0 EcoBlue&nbsp;

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.

Ford S-Max

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&nbsp;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

Ford S-Max - interior

RANGER

Variant:&nbsp;Wildtrak 3.2 TDCi

With a recent influx of pick-ups arriving in the UK, Ford have jumped towards&nbsp;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.

Ford Ranger

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

Ford Ranger - interior

Honda is a company that doesn’t like to follow the crowd. So, while it competes in most of the traditional sectors of the car market, in each case it does something a little bit different.

The Jazz, for example, might look like just another rival to Britain’s best-selling car, the Ford Fiesta, but it’s actually much more practical than its rivals, with a flexible boot and Tardis-like interior.

The bigger Civic is also a practical choice, but it’s mainly distinguished by having eye-catching, love-it-or-hate-it styling, despite competing in a sector of the market that’s usually more conservative than a blue rosette.

And while it may not seem so radical now, Honda’s large SUV, the CR-V, was one of the first to forego any pretence of being an off-roader and instead focus on on-road driving dynamics.

HONDA

JAZZ

Variant:&nbsp;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.

Honda Jazz

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

Honda Jazz - interior

Nissan turned up early to the SUV party, with its Qashqai paving the way for the countless models we see today. The Qashqai continues to sell in big numbers in the UK, too, and was also our overall Car of the Year in 2014.

Don’t think Nissan is just about SUVs, though. As well as the Qashqai, the smaller Juke and the larger X-Trail, the Japanese brand has the Micra hatchback, GT-R sports car and Navara pick-up truck.

Nissan was also one of the first big car makers to launch a fully electric car, with its latest Leaf being one of the best on the market.

Despite being based in Japan, Nissan has long committed to building cars in the UK, making several of its best-selling models at a huge factory in Sunderland.

NISSAN

QASHQAI

Variant:&nbsp;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&nbsp;update.

Nissan Qashqai

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

Nissan Qashqai - interior

Hatchbacks, SUVs, fast cars, electric cars: Renault makes them all, in a variety of shapes and sizes, so it has a line-up designed to tempt pretty much everyone.

From the roadside, the standout feature of them all is the design, with its cars now having a distinctive look that has won the firm a legion of fans for its flair and charm.

To drive and to own, the line-up is typically decent rather than outstanding. Best of the cars when they are rated against rivals are the Kadjar SUV, the fast RS models and the electric Zoe.

With new and used pricing also keen – and Target Price discounts through our New Car Buying marketplace usually more generous than most – there is the opportunity to negotiate an appealing price.

RENAULT

CLIO

Variant:&nbsp;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.

Renault Clio

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&nbsp;

Optional Final Payment: £9787

Duration: 25 months

Renault Clio - interior

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.

Renault Zoe

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&nbsp;

Optional Final Payment: £15,657

Duration: 25 months

Renault Zoe - interior

MEGANE R.S.

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.

Renault Megane RS

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

Renault Megane RS - interior

Today, the resurgent Seat brand is selling better cars than at any time in its history.

In large part, that’s because it is one of the brands owned by the VW Group. Underneath, all of the cars it sells are strongly related to similar models sold by Volkswagen itself, or the likes of Skoda and even Audi. If you are buying a Leon, for example, the hardware will be similar to that of the Golf, Octavia and A3.

But while Seat makes the most of this tie-up to offer everything from city, small and family cars, including estates, through to a full range of SUVs, it also adds in its own slice of character, both with its distinctive styling approach and because its engineers generally tune the cars to deliver sportier handling.

While all of its cars are decent, it is the SUVs that stand out. The Arona and Ateca are among the class leaders and have enjoyed triumphs at the What Car? Awards.

SEAT

TARRACO

Variant:&nbsp;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.

Seat Tarraco

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

Seat Tarraco - interior

One of the greatest success stories in the car world of recent decades is Skoda’s rise to become a hugely credible mainstream maker of good-value, good-sense cars.

Central to that success has been its place within the VW Group, alongside the Volkswagen brand itself, plus the likes of Seat and Audi. That has given it access to exactly the same underpinnings for its cars as the other brands, and it has complemented this by adding its own developments, from the way the cars drive and ride through to the features they have and the pricing.

The result is a range that extends from a city car to a large executive saloon, with family and large seven-seat SUVs too. There’s a wide variety of petrol and diesel engines, all of which are competitive for the class.

As a result, Skoda has a range of cars that is almost entirely class-leading or among the class leaders, and it has enjoyed long-time success at the What Car? Awards as a result.

SKODA

FABIA

Variant:&nbsp;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

Skoda Fabia - interior

Toyota is a company undergoing a quiet revolution, as it works hard to replace its sensible but somewhat bland reputation with one for being a bit more daring, in areas such as the styling of its cars and its enthusiastic leadership of cutting-edge technology, such as hybrid systems.

That process seems to be working for buyers, with the hugely popular and striking-looking C-HR SUV in particular attracting a great deal of interest. The latest version of the hybrid Prius is also rated highly by What Car?; it’s the first Prius to go on sale that our testers have felt can truly compete all round with existing petrol or diesel rivals.

However, it’s worth noting that this period of transition is also a work in progress, and that many of the firm’s cars are still rated as being no more than average among class rivals by our testers.

TOYOTA

RAV4

Variant:&nbsp;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.

Toyota RAV4 Hybrid

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

Toyota RAV4 Hybrid - interior

Corolla Touring Sports

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.

Toyota Corolla Touring

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

Toyota Corolla Touring - interior

Corolla

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,&nbsp;plus it's very comfortable, benefits from Toyota's exceptional reliability record, and offers super-frugal fuel consumption.

Toyota Corolla Hybrid

Its interior is solidly made, withe plenty of soft-touch materials that lend it a competitively&nbsp;plush feel. However some&nbsp;details aren’t quite as classy its&nbsp;rivals, though. The leather on the steering wheel&nbsp;and gearlever, for example, feels a little plasticky compared with the fine-grain stuff you’ll find in a&nbsp;Volkswagen Golf.

Monthly Payment: £229

Customer Deposit: £6911

FDC: £0

Optional Final Payment: £10,710

Duration: 42 months

Toyota Corolla Hybrid - interior

Volvo is now a true rival to the likes of Audi, BMW, Jaguar and Mercedes-Benz, offering an alternative take on premium executive cars to a rapidly growing fanbase.

After a string of strong launches – notably with the Mk2 XC90 and XC60 SUVs – it struck gold in early 2018 when it launched its smallest SUV, the XC40. When our testers compared the car with its rivals, they concluded that it was the best launch of the previous 12 months, earning it our coveted overall Car of the Year Award.

The good news is that, like many car makers, Volvo now uses the same structure underneath most of its cars – so if they get it right on one model, it usually bodes well for the rest. That’s the case here, with Volvo’s subsequent saloon and estate launches complementing the SUVs and making for a generally extremely appealing line-up.

VOLVO

Variant:&nbsp;T4 Momentum Plus

If you want something that stands out&nbsp;from the usual German choices, this big Swedish luxury saloon could be just the thing.

Volvo S90

It has a classy, spacious interior and loads of standard equipment. Just bear in mind that&nbsp;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

We hope you enjoyed this story. To easily access more like it, why not sign up to receive our email newsletter?&nbsp;What Car?&nbsp;is the UK’s biggest car-buying brand and has been helping Britain’s car buyers make purchasing decisions for over 40 years, and the newsletter will keep you up to date with all our latest stories. And signing up takes less than 30 seconds.&nbsp;<a href="https://rebrand.ly/03wiu8">Click here to sign up</a>

Volvo S90 - interior

All the cars you can get on 0% APR finance

Hatchbacks, SUVs and even luxury cars are available on 0% finance, meaning you can spread the cost without being charged interest...

Save £££s now - hot deals

All the cars you can get on 0% APR finance

Hatchbacks, SUVs and even luxury cars are available on 0% finance, meaning you can spread the cost without being charged interest.....

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