Best PCP deals with 0% finance
All sorts of cars from hatchbacks to small and large SUVs are available on 0% finance, meaning you can spread the cost without paying interest...
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. 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 such big margins on sales, and finance is 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 being charged interest.
Sound appealing? Well, below we've compiled a list of the cars available on 0% APR finance which currently have a four-star What Car? rating or higher.
Best small cars with 0% finance
From £165 a month for a 1.0 Ecoboost 95 Trend, plus £1000 finance deposit contribution from Ford
The Ford Fiesta is superb to drive, smart inside and well equipped, plus it offers a broad range of trim levels, starting with the most affordable Trend. The Volkswagen Polo has the edge for ride comfort, but the Fiesta is still one of the best small cars you can buy.
From £236 a month for a 1.0 TSI 95 SE Technology, no manufacturer deposit contribution
The Seat Ibiza is one of the best small cars you can buy, thanks to its fun handling, roomy interior and low running costs. And the 1.0 TSI 95 engine and SE Technology or FR trim are our pick of the range.
From £189 a month for a Yaris Hybrid Design, no manufacturer deposit contribution
The Yaris has some important strengths, not least its superb fuel economy and the likelihood of excellent reliability. It should hold its value well, too, and while there are cheaper alternatives, you do get plenty of standard luxury and safety kit.
Best family cars with 0% finance
From £250 a month for a 1.0 Ecoboost 125 ST-Line Edition, plus £900 finance deposit contribution from Ford
The Ford Focus stands out as one of the best driver’s cars in the class, with truly entertaining handling if you go for our favourite ST-Line Edition trim. Its sharp dynamics are complemented by a decent ride, quiet cruising manners and lots of passenger space.
From £249 a month for a 1.0 TSI 110 SE Dynamic, no manufacturer deposit contribution
The Seat Leon is a fantastic all-rounder. Not only does it handle well, come packed with kit and feature a roomy interior, but it should also prove relatively cheap to run thanks to the frugality promised by its petrol engines.
Best executive car with 0% finance
From £285 a month for a 1.0 Ecoboost 125 ST-Line Edition, plus £1000 finance deposit contribution from Ford
The Ford Mondeo is an evergreen icon of the executive car class, and remains spacious, good to drive and well equipped. That said, it feels considerably less ‘executive’ than rivals like the Skoda Superb, or the premium German Audi A4.
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