The best new cars deals with 0% finance ~ station of gear

There are lots of new car deals available, and some even offer 0% APR. These are the best 0% finance deals the market

2017-02-08 11:40

Interest rates on finance deals can be a major cause for concern when it comes to investing in a new car, with the prospect of rising costs putting many potential customers off the new set of wheels they’ve been longing for. Luckily, 0% APR deals provide a more predictable alternative.

• Car finance deals explained

Used by manufacturers to lure in new buyers, a 0% APR offer will ensure that you know exactly what the costs will be over the course of your payment plan from the moment you sign on the dotted line, with no unexpected changes to those monthly instalments. The fee you agree at the dealership is the fee you pay. Simple.

We’ve compiled a handful of the best 0% APR deals on a range of new cars on the market right now, and although the prices quoted are subject to regular updates, they should give you a solid idea of what you should be aiming for when you enter ‘haggle mode’ with your local dealer.

And don’t forget to take note of the aim-to-pay sums that we’ve calculated with the help of sister site Buyacar.co.uk, which will give you a realistic target to aim for when negotiating a price. If your dealer can’t match the quoted figure, you can access this price online via Buyacar.co.uk, who offer their own range of deals and financial incentives. So don’t be afraid to stand your ground...

The best 0% APR deals:

Renault Kadjar: £199 per month

£199 per month with a £4,266 deposit (0 per cent APR)

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Model: Renault Kadjar TCe 130 Dynamique Nav
Monthly payments: £199
List price: £20,845
Aim to pay: £18,295
Deposit: £4,266
Deposit contribution: £400
No of payments: 24
APR: 0%
Optional final payment: £11,403
Total amount: £20,845

The Kadjar is related to the excellent Nissan Qashqai, and the Renault has the edge, because it’s a bit better to drive and more comfortable. None of the engines will blow you away, but they are frugal. Match the higher-powered diesel with four-wheel drive and you get a top tow car. The cabin has more rear space than the Nissan and a bigger boot. Dynamique Nav trim is our pick.

SEAT Alhambra: £205 per month

£205 per month with a £8,299 deposit (0 per cent APR)

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Model: SEAT Alhambra 2.0 TDI Ecomotive 150 S
Monthly payments: £205
List price: £28,155
Aim to pay: £22,969
Deposit: £8,299
Deposit contribution: £0
No of payments: 47
APR: 0%
Optional final payment: £10,221
Total amount: £28,155

A three-time winner of the Best MPV title at our New Car Awards, the Alhambra is identical to VW’s Sharan under the skin, so it’s well built and has a versatile layout. The zero per cent APR deal is a cracker, and bags a large MPV for only £205 per month. You also get sliding rear doors and a huge cabin – and SEAT is even offering £1,000 off if you download its winter drive voucher.

Skoda Octavia: £219 per month

£199 per month with a £2,108 deposit (0 per cent APR)

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Model: Skoda Octavia 1.4 TSI SE Sport
Monthly payments: £219
List price: £20,610
Aim to pay: £18,403
Deposit: £2,108
Deposit contribution: £2,000
No of payments: 41 APR: 0%
Optional final payment: £7,523
Total amount: £18,610
Optional final payment: £7,523
Total amount: £18,610

Yet again Skoda sets the pace with zero per cent finance and a £2,000 deposit contribution. A Ford Focus is more entertaining, but the Octavia offers a blend of composure, good safety levels and class-leading load space. It’s also well equipped; even the basic S version features alloy wheels and a digital radio. A wide choice of petrol and diesel engines completes the picture.

Ford C-MAX: £219 per month

£219 per month with a £4,154 deposit (0 per cent APR)

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Model: Ford C-MAX 1.6 125 Zetec
Monthly payments: £219
List price: £19,195
Aim to pay: £17,468
Deposit: £4,154
Deposit contribution: £2,000
No of payments: 24 APR: 0%
Optional final payment: £7,785
Total amount: £17,195

If you can live with five seats rather than seven, the C-MAX is a great little MPV. As with many Fords it’s good to drive, plus it’s practical enough; its 471-litre boot increases to 1,851 litres when the rear bench is folded flat. Ford’s suite of zero per cent APR deals means the C-MAX represents superb value, while the deposit contribution shaves £2,000 off the cost for PCP buyers.

Mazda 3: £229 per month

£229 per month with a £2,274 deposit (0 per cent APR)

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Model: Mazda 3 2.0 SE
Monthly payments: £229
List price: £18,465
Aim to pay: £16,381
Deposit: £2,274
Deposit contribution: £1,500
No of payments: 36
APR: 0%
Optional final payment: £6,447
Total amount: £16,965

Mazda is in a generous mood with this deal, but the 3 is different from other hatchbacks. For one thing, it’s truly sporty. You sit quite low, and the sharp handling is combined with supple suspension to make driving a pleasure and ensure you can forgive the car for trailing its rivals on rear space. Engines are on the large side but frugal. The equipment list is impressive, too.

Ford Mondeo: £239 per month

£239 per month with a £7,178 deposit (0 per cent APR)

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Model: Ford Mondeo 2.0 TDCi Titanium
Monthly payments: £239
List price: £25,095
Aim to pay: £22,748
Deposit: £7,178
Deposit contribution: £1,500
No of payments: 24 APR: 0%
Optional final payment: £11,217
Total amount: £24,140

The latest Mondeo no longer sets the pace for family car handling as its predecessor did, but it’s bigger, more refined and more technically advanced than ever. Ford is currently offering an above-average-spec Titanium model in its current suite of deals, and this features sat-nav, front and rear parking sensors and automatic lights and wipers on its long list of equipment. The £1,500 deposit contribution and zero per cent APR make for a spectacular deal, too, although the short contract term means a hefty deposit and final payment to match.

Jaguar XJ: £499 per month

£499 per month with a £9,996 deposit (0 per cent APR)

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Model: Jaguar XJ Luxury SWB
Monthly payments: £499
List price: £58,690
Aim to pay: £51,513
Deposit: £9,996
Deposit contribution: £10,870
No of payments: 36
APR: 0%
Optional final payment: £19,860
Total amount: £47,820

The Jaguar XJ received a much-needed facelift in 2015 that brought in new trims and design tweaks. Despite the looks, it falls short of the Mercedes S-Class as it gets less space, while the ride is too firm compared with rivals. Jaguar is offering the XJ on zero per cent finance and contributing nearly £11,000 towards the car.

Mercedes S-Class: £549 per month

£549 per month with a £10,999 deposit (0 per cent APR)

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Model: Mercedes S-Class S 350 d AMG Line
Monthly payments: £549
List price: £70,780
Aim to pay: £55,174
Deposit: £10,999
Deposit contribution: £11,992
No of payments: 36
APR: 0%
Optional final payment: £28,025
Total amount: £58,788

Deals don’t get much better for luxury cars than what Mercedes is offering until 31 March. The S-Class comes with a massive £11,992 dealer contribution and zero per cent finance, making it more affordable than ever. It set the standard for luxury saloons when it first arrived, and continues to do so today. The latest car combines efficient engines with class-leading tech and quality.

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