Best 0% APR Car Finance Deals March 2025
You've come to the right place if you're looking for the best 0% APR car finance deals.
While the news might be full of talk of inflation and high interest rates, there are still some fantastic zero interest offers on new cars to be had. Granted, a 0% APR finance deal isn't quite as common as it was pre-pandemic, but provided you're a little flexible on the model and trim you're after, 0% car finance deals are out there.
But with a range of new car deals available to buyers, why should you be looking at a 0% finance car deal?
Even the best PCP car deals will incur interest (APR) over the length of the contract. Durations can vary from as little as 24 months right up to 60 months (here's looking at you, Vauxhall). This means that on top of your monthly payments for the car, interest will be added on top, resulting in higher monthly payments. What makes 0% APR car finance deals so attractive is, as the name suggests, you pay no interest over the term of your agreement.
The result is lower monthly payments and the fact that you're only paying for the cost of the car if you elect to settle the optional final payment. One thing to bear in mind though is that you might be required to put down a larger deposit than if you were paying interest on a PCP deal, but that's a consideration you have to weigh up with your financial circumstances.
So, if you're looking to get the cheapest car finance deals on the market, we've searched all the current manufacturer finance offers to round up the best 0% car finance deals just for you.
Best 0% APR car finance deals in March 2025
BYD Atto 3 for £389 a month with 0% APR and deposit contribution
The BYD Atto 3 is a solid and certainly well-equipped electric SUV, and it's available for an impressively low amount. Right now BYD is offering the car in Comfort trim for £389 a month with 0% APR and a low £389 deposit, and it'll even throw in a £4000 deposit contribution plus a retailer discount of over £1800 on the OTR price, too.
Deposit: £389 (+ £4000 BYD deposit contribution)
Monthly payments: 48 x £389 (£18,672)
Optional final payment: £12,829.50
Total payable: £35,809.50
Mileage per year: 6000
Representative APR: 0%
Deal ends: 31 March 2025
Cupra Born for £317 a month with 0% APR and £4500 deposit contribution
The Cupra Born is a stylish and fun-to-drive electric hot hatch with a good battery range. And for under £320 per month, it's great value, too. That's the price you can now pick up a Cupra Born V1 59kWh for, with 0% APR and a £4500 deposit contribution from Cupra. There's a generous 10,000-mile annual limit, too.
- Deposit: £5744.25 (+ £4500 Cupra deposit contribution)
- Monthly payments: 35 x £316.57 (£11,079.95)
- Optional final payment: £14,365.80
- Total payable: £35,690
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 31 March 2025
Ford Explorer for £393 a month with 0% APR and £3000 deposit contribution
Once a hefty family SUV, the Ford Explorer has been reborn as a smaller electric-only take on the family SUV genre. Ford offers two Explorer deals on PCP. There's a three-year option with a £3000 deposit contribution or a four-year deal with £2000 towards your deposit, and both are available with 0% APR.
- Deposit: £7798 (+ £3000 Ford deposit contribution)
- Monthly payments: 36 x £393.36 (£14,160.96)
- Optional final payment: £20,916
- Total payable: £42,875
- Mileage per year: 6000
- Representative APR: 0%
- Deal ends: 31 March 2025
Hyundai Ioniq 5 for £577 per month with 0% APR and no deposit
One of the best electric cars on the market, the Hyundai Ioniq 5 looks great, has a spacious cabin and promises up to 300 miles on a single battery charge. This feature-packed Advance spec car is on offer with 0% APR, no customer deposit and a £2000 deposit contribution from Hyundai.
- Deposit: £0 (+ £2000 Hyundai deposit contribution)
- Monthly payments: 36 x £577.62 (£20,794.32)
- Optional final payment: £17,105.80
- Total payable: £39,900
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 31 March 2025
Mercedes EQA for £330 a month with 0% APR and £6500 deposit contribution
The Mercedes EQA features all the trademark Mercedes traits, including a quiet and comfortable drive and an excellent interior, albeit slightly compromised by a short range. Right now you can pick up a Mercedes EQA 250+ Sport Executive for £329.50 a month with 0% APR on a four-year deal, with that monthly payment kept in check thanks to a £6500 deposit contribution.
- Deposit: £7584 (+ £6500 Mercedes deposit contribution)
- Monthly payments: 48 x £329.50 (£15,816)
- Optional final payment: £19,850
- Total payable: £43,250
- Mileage per year: 8000
- Representative APR: 0%
- Deal ends: 31 March 2025
Peugeot e-5008 for £419 a month with 0% APR and £1000 deposit contribution
The Peugeot e-5008 may not quite have the all-round polish of some electric SUVs, but it has an ace card up its sleeve that few rivals can match - it's a seven seater. Much sleeker than the family SUV it replaces, too, the e-5008 is an efficient and relaxing drive, while this GT trim car we've chosen is packed with tech and comes with 0% APR over 37 months and a £1000 contribution to your deposit.
- Deposit: £7957 (+ £1000 Peugeot deposit contribution)
- Monthly payments: 36 x £419 (£15,084)
- Optional final payment: £28,739
- Total payable: £52,780
- Mileage per year: 6000
- Representative APR: 0%
- Deal ends: 31 March 2025
Renault Captur for £173 a month with 0% APR and £400 deposit contribution
The Renault Captur is one of the most popular small SUVs on sale thanks to the fact it offers plenty of versatility for growing families, and solid value for money. A recent facelift has updated the tech and refreshed the looks, while the Evolution Hybrid 145 model we've chosen should cost very little to run. A 0% APR deal and Renault chipping in £400 towards your deposit helps, too.
- Deposit: £7039 (+ £400 Renault deposit contribution)
- Monthly payments: 24 x £173 (£4152)
- Optional final payment: £13,204
- Total payable: £24,795
- Mileage per year: 6000
- Representative APR: 0%
- Deal ends: 31 March 2025
Skoda Fabia for £237 a month with 0% APR and £1000 deposit contribution
The latest Skoda Fabia features a handsome look, plenty of new tech, yet remains as practical and comfortable as ever. The Fabia is also nice to drive and offers great value, too, so it's no surprise we think it's one of the best small hatchbacks around. Currently offered with a £1000 deposit contribution and 0% APR, it's a great time to see what all the Fabia fuss is about.
- Deposit: £3249.31 (+ £1000 Skoda deposit contribution)
- Monthly payments: 23 x £237.23 (£5456.29)
- Optional final payment: £10,589.40
- Total payable: £20,295
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 28 February 2025
Toyota bZ4x for £429 per month with 0% APR and £2500 deposit contribution
The Toyota bZ4x is an all-electric family SUV loaded with standard tech, it's very comfortable to drive and comes with a battery range of up to 270 miles. Thanks to Toyota’s latest deal, offering 0% APR and a £2500 deposit contribution, you could drive a Pure model with free home charger included for just £429 a month.
- Deposit: £8908.50 (+ £2500 Toyota deposit contribution)
- Monthly payments: 41 x £429 (£17,589)
- Optional final payment: £14,827.50
- Total payable: £43,825
- Mileage per year: 8000
- Representative APR: 0%
- Deal ends: 31 March 2025
Volkswagen ID.3 with 0% APR and £3200 deposit contribution
The Volkswagen ID.3 felt like it was a slightly rushed product when it first arrived. However, design tweaks and improved software are welcome recent updates, while the relaxing drive and long electric range remain. Volkswagen has two PCP offers on the ID.3, either a three-year deal with 0% APR and a £3200 deposit contribution, or a 5.9% deal over four years with £6550 towards your deposit.
- Deposit: £7462.70 (+ £3200 VW deposit contribution)
- Monthly payments: 35 x £215.26 (£7534.10)
- Optional final payment: £11,653.20
- Total payable: £29,850
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 31 March 2025
0 APR Car Deal FAQs
If you've found your perfect car on 0% finance and can afford the monthly repayments, unfortunately it's still not quite a done deal yet. As with any loan you take out, a zero interest car finance deal requires your credit score to be checked, and the better your credit rating the more likely you are to be accepted. An offer like this tends to require a strong score as there's less in the deal for the lender, so it's good to check your score in advance and take action to improve it to make sure you seal the 0% deal.
While you're not paying any interest on a 0% APR car finance deal, you will still need to put down a deposit. You might find you need a larger deposit compared with an equivalent offer where you're paying interest each month. The good news is that in some instances the manufacturers will support this with a deposit contribution.
It's also worth bearing in mind how much the monthly payments will be on the 0% APR deal, and how they compare with one that does have interest, as sometimes they can vary quite a bit. It's important that you take the time to ensure you can afford each and every monthly payment before you sign up for any deal.
As you'll see from our list of the best 0% APR car finance deals, there's a wide range of different cars available, from brilliant small cars to large electric SUVs, so the car you choose really comes down to your needs and budget. One thing to be mindful of though is 0% APR isn't offered as widely as it once was, meaning you might have to compromise on make and model in order to find a deal that works for you. One trend that seems to be here to stay is that electric vehicles are more regularly offered with 0% APR, in order to make switching to electric that bit more palatable.
Offering a 0% APR car finance deal is a great way for manufacturers to attract potential buyers. One major stumbling block for potential buyers signing a finance deal is the idea of paying more for the privilege of buying in instalments. If you agree to waive that fee, and make the buyer pay no more for their car than they would if they did with cash outright, then you might be in a better position to persuade someone to sign on the dotted line, especially if a rival car dealership doesn't have such a tempting offer on the table.
You can, but you'll have to look a bit harder for these deals and have a very strong credit score on hand before you get approved for the deal. 0% APR finance on a used car isn't that common these days, but large dealers tend to offer a range of financial products and promotions including cashback, extra warranties and servicing deals and so in in order to get you behind the wheel of a used car.
Any deal where you get a free loan is a good idea. Because you're not paying interest each month you can potentially save yourself thousands of pounds over the period of the loan agreement. Remember though that some of these deals can run over four years, so make sure you're picking the right car for your needs for both now and in the future, and make sure you take the time to understand how much you'll be paying both in advance, as deposits for 0% APR deals can be larger, plus your monthly payments.
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