It’s safe to say that 2020 has been a financially challenging year for many of us.
And while buying a new car might not be high on the priority list, manufacturers are providing superb offers to secure deals and you could grab a bargain by doing so on finance.
So to help find the best deal, here we’ve rounded up the best cars available with zero per cent APR – essentially meaning you won’t pay any interest, so you won't be charged more for spreading the cost, rather than buying it outright.
Here are the best offers around…
The Toyota Yaris may have only recently arrived in showrooms, but that hasn’t stopped Toyota already offering the new hybrid-only hatchback at some very attractive finance rates – not least zero per cent APR. Over a 42-month term, you could expect to make monthly payments of just £189. A customer deposit of £5,146 is needed here.Enquire on a new Toyota Yaris
The Ford Puma is already regarded as one of the best crossovers around – combining value for money with a fun driving experience and also spaciousness that would make this an ideal family car. It’s also terrific value at the moment thanks to Ford’s zero per cent APR offers. Following a deposit of £5,305 being put down, the Puma, in ST-Line trim with the efficient 123bhp 1.0-litre EcoBoost petrol engine is available for just £260 per month over a two-year deal.Enquire on a new Ford Puma
Think EVs have to be expensive to buy? Well, the new MG5 is the electric car to prove otherwise. Not only is this one of the most affordable battery-powered cars to buy with cash – thanks to a £24,495 starting price – but it’s also terrific value when it comes to finance. That’s because this new electric estate car, which boasts a 214-mile electric range is available for just £249 per month over a four-year agreement, following a £3,873 deposit being put down.Enquire on a new MG5
The new Vauxhall Corsa has proven a huge hit since the firm introduced the latest model at the end of last year. And key to its success has been the attractive finance deals available on it. Vauxhall is currently offering a zero per cent APR finance deal on a high-spec Elite Nav model, which is available for £259 per month over a four-year deal, following a small customer deposit of £1,463 being put down. You could also lower the monthly payments by putting down a larger deposit.Enquire on a new Vauxhall Corsa
Volvo is a manufacturer taking things a step further – not just offering buyers zero per cent APR, but also additional finance contributions across its range. Here we’ve chosen the sleek Audi A4-rivalling S60 saloon, which brings a high-quality interior and impressive refinement. In mild-hybrid B5 petrol form, Volvo is offering a £2,500 contribution, which the customer will then add £7,247.85 to. Over a three-year deal, attractive monthly payments of £354 make this one of the more affordable ways of getting behind the wheel of a new executive car.Enquire on a new Volvo S60
Hyundai Kona Electric
Hyundai’s Kona Electric is one of the most impressive EVs around – namely because of its impressive 300-mile electric range. But this electric car is also more affordable on finance than you might think, not least with the firm’s current zero per cent APR offer. Following a customer deposit of £7,300, monthly payments of just £284.87 are available over a three-year agreement.Enquire on a new Hyundai Kona Electric
Honda CR-V Hybrid
If you’re not ready to commit to a plug-in model, but still fancy something electrified, a model like the ‘self-charging’ Honda CR-V Hybrid is a great option, with this SUV offering a generous list of standard kit and spacious interior. The firm’s representative example offers zero per cent APR, along with 34 monthly payments of just £259. A steep £8,568.01 deposit will be needed, though this will likely be flexible if you enquire with Honda.Enquire on a new Honda CR-V Hybrid
The third EV on this list is the Mercedes EQC – a large electric premium SUV that impresses with its 259-mile electric range and stunning interior. Interestingly it’s currently the only model from the firm available with zero per cent APR, and means this model could be more affordable than you might expect. Following a customer deposit of £11,500.88, it’s available over four years with monthly payments of £520.19. That might seem steep, but it’s worth considering the EQC would cost more than £65,000 to buy it outright.Enquire on a new Mercedes EQC
Mazda is being exceptionally generous with its current finance offers, with zero per cent APR being available across much of the range. But here our choice is the firm’s ‘3’ hatchback – a sleek, high-quality hatchback that’s also great to drive. In standard form, it still comes equipped with a range of safety kit, LED headlights and a head-up display, too. Currently the firm is offering a £500 deposit contribution on top of no interest charges, which the customer then adds £3,482 to. Over a three-year agreement, that will warrant low monthly payments of just £245.Enquire on a new Mazda3
*All offers are subject to change and are correct at the time of writing. Refer to manufacturer websites for the latest offers.*