Best 0% APR Car Finance Deals - May 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 May 2025
Mazda CX-5 for £289 a month with 0% APR
The Mazda CX-5 has been around for some time, and we think it's a great shame you don't see more of them around. Nicely designed, and with a well-equipped and luxurious-feeling interior, the CX-5 is an under the radar family SUV choice. An entry level CX-5 Centre-Line comes with all the kits you need and costs just £289 a month with 0% APR on a 48-month PCP deal.
Deposit: £5931.86
Monthly payments: 47 x £289 (£13,583)
Optional final payment: £12,465
Total payable: £31,980
Mileage per year: 8000
Representative APR: 0%
Deal ends: 30 June 2025
Cupra Born for £342 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 £350 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: £5795.70 (+ £4500 Cupra deposit contribution)
- Monthly payments: 35 x £341.14 (£11,939.90)
- Optional final payment: £13,964.40
- Total payable: £36,200
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 30 June 2025
Ford Puma Gen-E for £463 a month with 0% APR
The Ford Puma is one of the best-selling cars in the UK, and now buyers have the option of an all-electric version. Called the Puma Gen-E, the electric family SUV can be had in two trims, Select and Premium - we've chosen the latter. It's available on a two-year 0% APR Ford Options PCP deal that includes the Ford Power Promise, which gets you a free home charger and 10,000 miles of charging credit.
- Deposit: £5439.15
- Monthly payments: 24 x £462.99 (£11,111.76)
- Optional final payment: £15,444
- Total payable: £31,995
- Mileage per year: 6000
- Representative APR: 0%
- Deal ends: 30 June 2025
Hyundai Ioniq 5 for £615 per month with 0% APR and no deposit
One of the best electric cars on the market, the recently upgraded 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 £615 (£22,140)
- Optional final payment: £15,770
- Total payable: £39,910
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 30 June 2025
MG HS PHEV for £239 a month with 0% APR
The MG HS has become a regular feature in the top 10 list of best-selling new cars in the UK. It's combination of space, equipment and serious value for money just strikes the right chord with cost-conscious buyers. And, if you opt for the plug-in hybrid HS, you can get one on a 37-month PCP with 0% APR. There are two models to choose from, with the entry level SE starting at £239 a month, and the top-spec Trophy trim costing just £10 more.
- Deposit: £6448.50
- Monthly payments: 36 x £239 (£8604)
- Optional final payment: £16,942.50
- Total payable: £31,995
- Mileage per year: 8000
- Representative APR: 0%
- Deal ends: 30 June 2025
Peugeot e-5008 for £349 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: £10,497 (+ £1000 Peugeot deposit contribution)
- Monthly payments: 36 x £349 (£12,564)
- Optional final payment: £28,729
- Total payable: £52,790
- Mileage per year: 6000
- Representative APR: 0%
- Deal ends: 30 June 2025
Renault 5 for £169 a month with 0% APR
The Renault 5 is one of the most eagerly anticipated new cars of 2025. Renault's reborn supermini features a design that references at the past, while power comes from a thoroughly modern electric powertrain. We've chosen the entry-level model with the smaller battery that should be perfect for taking urban trips while making quite the style statement. Longer-range models start from £197 a month.
- Deposit: £6899
- Monthly payments: 24 x £169 (£4056)
- Optional final payment: £12,037
- Total payable: £22,995
- Mileage per year: 6000
- Representative APR: 0%
- Deal ends: 30 June 2025
Skoda Kodiaq for £440 a month with 0% APR
The new Skoda Kodiaq builds on the already impressive legacy of the outgoing model by offering even more practicality, space and well thought out features, making it one of the best large family SUVs on the road. The whole Kodiaq range is offered with 0% APR, so the deal below is for an entry-level Kodiaq SE with five seats. If you need a seven-seater version, monthly payments start at the same amount but the deposit is slightly higher.
- Deposit: £6693.83
- Monthly payments: 23 x £439.99 (£10,119.77)
- Optional final payment: £21,326.40
- Total payable: £38,140
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 30 June 2025
Toyota bZ4x for £419 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 Motion model with free home charger included for just £419 a month.
- Deposit: £10,588.50 (+ £2500 Toyota deposit contribution)
- Monthly payments: 41 x £419 (£17,179)
- Optional final payment: £16,042.50
- Total payable: £46,310
- Mileage per year: 8000
- Representative APR: 0%
- Deal ends: 30 June 2025
Volkswagen ID.3 with 0% APR and £2500 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 £2500 deposit contribution, or a 7.9% deal over four years with £6000 towards your deposit.
- Deposit: £6172.25 (+ £2500 VW deposit contribution)
- Monthly payments: 35 x £312.07 (£10,922.45)
- Optional final payment: £11,265.30
- Total payable: £30,860
- Mileage per year: 10,000
- Representative APR: 0%
- Deal ends: 30 June 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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