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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 2024

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 Volvo EX40 with 0% APR*

The Volvo EX40 is a stylish electric SUV with a lot to offer. It’s comfortable to drive, well equipped and packed with safety kit, as well as having a lovely cabin and a big boot.

*Excludes 185kW Extended Range Core 78kWh and 175kW Single Motor Core 69kWh

Volvo EX40 deals
Get 0% APR on the Polestar 2, 3 and 4*

You can get 0% APR across the entire Polestar range, whether you’re after the sleek and sporty 4 or the practical and spacious 3 SUV. All models get modern and well-made interiors as well.

*Valid until 31/12/2024. Minimum deposit of £10,400 on a Polestar 3 and £10,300 on a Polestar 4.

Latest Polestar deals
0% APR on the MG 4 and MG ZS EV*

MG offers some of the best-value electric cars on the market. The MG4 is a sleek and stylish hatchback which is great to drive, and the ZS EV is an SUV with loads of kit as standard. 

*0% APR with a 20% deposit

Latest MG deals
Treat yourself to a Mercedes-Benz EQA and get 0% APR

The Mercedes-Benz EQA is a premium electric car with a stylish interior, and it’s packing all the latest tech. It also offers decent driving range and it’s quiet on the move. Grab yours through Carwow to save up to £6,500*.

*Savings are made up of the maximum dealer discount off RRP - subject to dealership, location and trim.

Mercedes-Benz EQA deals
0% APR across the entire Volkswagen ID range

You can get a Volkswagen electric car with 0% APR, whether you’re after the ID3 hatchback for zipping around town or the ID7 for slogging up and down the motorway.

VW electric car deals
Get 0% APR on a new Hyundai EV

You can get 0% APR on the Hyundai Kona EV, Ioniq 5 and Ioniq 6. All come with bags of kit and are great to drive, and the Kona EV can be yours with no minimum deposit.

Hyundai electric car deals
Waft away in a Nissan Leaf with 0% APR

This Nissan Leaf is a practical, no-nonsense electric car with a massive boot and plenty of standard equipment. It’s also cheap to buy, especially through Carwow where you can get 0% APR with no minimum deposit.

Nissan Leaf deals
Get 0% APR on the Ford Kuga PHEV

Looking for a family-friendly SUV which is actually fun to drive? The Ford Kuga is just that. The plug-in hybrid also has decent electric range to save some fuel around town.

Ford Kuga PHEV deals
Drive away in a Ford Explorer with 0% APR

The new Ford Explorer is a great electric SUV which is great to drive and practical for families. The interior is a lovely place to spend time as well.

Ford Explorer deals
Grab a new Skoda with 0% APR*

The Skoda range is packed with practical cars to suit all needs and budgets, and you can get 0% APR on your new Skoda through Carwow.

*Excludes Karoq, Octavia and Superb

Latest Skoda deals
Get 0% APR on the Suzuki Swift and S-Cross

Looking for a cheap, economical and well-equipped small car? Suzuki has you covered. The Swift is a great hatchback with a fuel-sipping petrol engine, or if you want to sit up a bit higher the S-Cross is a great shout.

Latest Suzuki deals

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Drive away in your new Jaguar I-Pace with 0% APR

The Jaguar I-Pace is a great luxury electric SUV which is good fun to drive and has a lovely interior, and the boot is a decent size as well.

Jaguar I-Pace deals
Get behind the wheel of an electric Citroen with 0% APR

You can park a new electric Citroen on your drive for a great price, with 0% APR available on the e-Berlingo, e-C4 and e-C4 X.

Latest Citroen deals
The Mazda 2: get 0% APR when you buy this fun small car

The Mazda 2 is a great city runaround. It’s fun to drive, economical and has an interior far more posh than you’d expect in a small car like this.

Mazda 2 deals
Have some fun in the Cupra Born and get 0% APR

If you’re after an electric hatchback with a great cabin and decent range, the Cupra Born could be right up your alley. It’s also good to drive on a country road, and it’s packed with tech.

Cupra Born deals

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

Be in the know

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.

More information about car finance

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

Approved used cars

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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

Popular makes on carwow

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Save on average £1,839

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