Best 0% interest car deals

Hunting out a zero per cent APR deal when you’re buying your next car could save you a fortune. We’ve sniffed out the best new car deals around

If you’re buying a car using a personal contract purchase – better known as a PCP – then the interest rate will have a massive impact on what you’ll be paying each month.

That’s because when you use any kind of finance, be that a bank loan, credit card or car finance, you’ll be charged interest calculated as a percentage of the total borrowing. This is usually expressed as an APR, or annual percentage rate. 

Quite simply, 0% car finance – sometimes referred to as zero percent car finance – means you won’t pay any interest.

What are the pros and cons of 0% car finance?

The main advantage of 0% car finance is that the amount you borrow is the amount you’ll pay back. That means you could buy a better car because you’re not paying interest on top. Your money goes on the car, not to the lender.

But 0% car finance may only be available on certain models, engines or trims, at certain times and for certain repayment periods. And you may find you have to pay a larger deposit – although we’ve taken this into consideration in our list of best 0% APR PCP deals, so every finance illustration below is based around a deposit that we regard as reasonable.

Top 3 0% APR Tips for 2026

• Check for manufacturer contributions because some deals combine 0% APR with thousands of pounds of deposit contributions — which can actually make the car cheaper than the list price.
• Short-term or long-term? Some 0% deals may require a 25-month term with a higher deposit, while others offer 48 months. Always check the total amount payable.
• Many 2026 electric cars include an Electric Car Grant of either £1500 or £3750 built into the finance deal, which helps offset the typically higher list prices of EVs. These grants may be offered by the government or by the manufacturer.