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0% APR finance car deals

Browse the best interest free car finance deals currently available on carwow

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Best 0% APR finance new car deals of 2025

Here are the 0% finance offers available to you from car manufacturers through Carwow.

Grab a Tesla Model Y and get 0% APR

Looking for an electric SUV with a cavernous boot? The Tesla Model Y has you covered. It’s also loaded with tech and really easy to drive thanks to the advanced driver aids.

Tesla Model Y deals
Jump in a BYD Dolphin with 0% APR*

If value for money is top priority, the BYD Dolphin is impossible to ignore. It’s affordable, practical, and decent to drive, though it’s not quite as fun as an MG4. A solid electric option for those looking to make the switch on a budget.

BYD Dolphin deals
Get 0% APR on the Ford Mustang Mach-E

The Mustang Mach-E brings sporty flair to the electric SUV world. It’s sharp to look at, fast when you want it to be, and comes with family-friendly practicality. Throw in a lovely interior and you have an appealing package. 

Ford Mustang Mach-E deals
0% APR on the Dacia Spring

The Dacia Spring is here to give you an electric car on a shoestring budget. It’s basic, sure, but perfect for nipping around town without a fuss. Think of it as the Aldi of EVs – cheap, cheerful, and reliable.

Dacia Spring deals
Treat yourself to a Ford Kuga and get 0% APR

The Ford Kuga proves that family SUVs can also be fun to drive, and it also offers decent practicality and a range of good engines. The interior may not be the poshest out there, but it’s a likeable and affordable car for daily use.

Ford Kuga deals
0% APR on the Ford Focus

Few hatchbacks balance fun and family appeal like the Ford Focus. It’s sharp to drive, has a comfortable cabin, and offers efficient engines to keep costs down. Whether you’re commuting or cruising, it’s a solid all-rounder that refuses to age.

Ford Focus deals
Get 0% APR on a new Hyundai Tucson*

With its bold design and spacious interior, the Hyundai Tucson stands out in a sea of SUVs. It’s comfortable on the move, packed with tech, and offers a choice of efficient hybrid engines. Perfect for families who want style without the hefty price tag.

*Applicable to petrol and hybrid models, 25% minimum deposit required

Hyundai Tucson deals
Grab a new Cupra Born with 0% APR

The Cupra Born delivers electric driving with a sporty handling. This hatchback looks the part, drives brilliantly, and offers more than enough range for daily driving duties. It’s like a VW ID.3 that’s hit the gym and found a sense of fun.

Cupra Born deals

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All finance offers and monthly payments shown are subject to application and status. This should be discussed with the dealer directly. While Carwow uses reasonable efforts to ensure accuracy all information and details must be confirmed when enquiring. Carwow makes no representations, warranties or guarantees, whether express or implied, that this information is accurate, complete or up to date. Carwow will not accept liability for the information provided

Did you know you could get up to £250 back if you claim on your excess*?

If you compare car insurance with Go.Compare you can opt in for our Excess Refund Reward, which means if the worst happens and you need to claim, we’ll refund up to £250 of your excess. Just a little something from us to you. So far we’ve given out over £6.2 million to our customers**, for a little silver lining when you need it most. Compare car cover from over 170 trusted UK providers*** and see how much you could save. T&Cs apply.

*Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.

**Between July 2019 and September 2023, £6.2 million in excess protection claims have been paid to Go.Compare car insurance customers

***[2]As of 28 May 2024, there are 174 active car insurers on the panel at Go.Compare.

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What is 0% car finance?

0% car finance, also known as 0% APR finance, is an interest-free loan that lets you borrow money from a financial institution and repay it in instalments without incurring any interest.

Depending on the car you’re looking for, these 0% deals will be applied to either a Hire Purchase or Personal Contract Purchase agreement. The option you pick will depend on what kind of ownership you want.

0% finance deals are typically offered by a manufacturer for a new car - it tends not to be offered on used cars or by smaller dealers. Whilst these types of deals used to be relatively common for new cars, supply chain shortages and global price rises mean it is now increasingly tricky to find a manufacturer offering interest free financing - although some offers are still available.

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

Interest repayments generally add several thousand pounds over a typical three to five-year finance contract for a new car. The main advantage of a 0% finance offer therefore is that you will save yourself a significant amount of cash if you can find one.

In terms of disadvantages, finding a 0% finance offer can be very difficult these days, as car manufacturers don’t tend to offer them anything like as frequently as they used to. Moreover, 0% finance deals tend to be offered only on very specific terms, often applying only to cars with certain engines or trim levels, or when a specific deposit (typically a high one) is put down by the customer.

Many deals will be subject to your credit history and it’s worth making absolutely sure you’re able to keep up with the monthly payments before committing to any agreement.

How to get 0% car finance through carwow

Choose from hundreds of new cars

Specify the car of your dreams to your precise requirements, and our trusted dealers will put their best offers forward for you to choose from

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With so many models to choose from, our trusted, unbiased reviews are a vital resource on your car-buying journey

Straightforward and transparent

Once you’ve got an offer you like the look of, simply contact the dealer to arrange a test drive, then buy direct with the confidence of a full manufacturer warranty

0% APR car finance deals FAQs

0% financing is typically not available for used cars, as it is usually offered by car manufacturers or dealerships as an incentive for new car purchases to attract buyers.

Car manufacturers like to entice buyers away from rivals’ products with discounts on specific models – or indeed sometimes the entire range. Much like a free insurance deal, free optional extras or a simple cash discount, a zero per cent deal is just another way to do this.

There are some cars currently available with 0% deals – from tiny city cars to large SUVs. It’s worth bearing in mind that the offer won’t always be available on every single model in the range – often the offers are limited to specific trim levels or engines – so it makes sense to check out whether the discounted cars match your needs. All carwow dealers will be able to explain to you how to take advantage of these deals.

Yes - a free loan is about as good a deal as it’s possible to get where finance agreements are concerned, with 0% interest rates generally saving you thousands of pounds over the course of a car finance deal, which might run for three to five years.

To get 0% interest car financing, look for special promotions from car manufacturers or dealerships, often available on new vehicles. You'll need excellent credit to qualify and may have to meet specific criteria, such as a higher down payment or shorter loan term. Apply through the dealership's preferred lender during the promotional period to secure the offer.

carwow empowers car buyers by making manufacturer-approved dealers come to you with their best deals. This means you can compare upfront prices from several dealers side by side, on as many cars as you like and in your own time.
Dealers can’t contact you, all offers are submitted through carwow so there’s no hassle from them. You can get in touch with dealers at anytime by messaging, calling or visiting them in person at the showroom.
If you choose to buy a car, you’ll do it directly from them.

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Other types of new car deals

Discover more great prices and deals available on carwow

Nearly new car deals

  • Save more than brand new cars and get the best deal for you
  • All our nearly new cars come with a manufacturer-backed warranty
  • Choose pre-registered in stock cars to drive awayin a matter of days
Nearly new car deals

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  • Every car on carwow is mechanically checked with warranty
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Approved used cars

Car leasing

  • Mainland delivery to your front door anywhere in the UK
  • Pay a set amount each month over a period of 2, 3 or 4 years
  • UK manufacturer warranty and road tax for the contract length
Car lease deals

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Save on average £1,839

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