New cars for sale in 2018 with 0% car finance

Buying a car on 0% finance is a very appealing proposition. Why? Because like with any finance deal, you can spread your payments over an extended period of time to make buying your new car more affordable, but crucially, you won’t be charged any interest for the pleasure.

The thing is, 0% finance deals aren’t all that common, and of the few there are, many are only offered for a limited period. That means finding them in among all the other hundreds of finance deals can be quite tricky. Luckily for you, we’re keeping a keen eye on the market, and in this guide, we list what we think are the best cars out there – in a variety of shapes, sizes, varieties and budgets – that you can buy right now on 0% finance.

We’ll say this now to save us saying it several times over below: with all the cars listed, numerous terms and conditions will apply, and the size of the necessary deposit contributions, monthly payments and agreement periods will also vary. What’s more, 0% finance might well only be available on specific versions of the models mentioned, and the deals may only be on a specific type of finance agreement, whether that be a PCP, HP or whatever else. That means you’ll have to read the small print carefully to fully understand exactly what’s being offered. However, our handy guide points you in the right direction for the best of what’s on offer.

Happy shopping!

The Fiesta has always been the stand-out small car in the driving stakes, thanks to its mixture of sharp handling, comfy ride and punchy performance. That latest version, however, also brings more sophistication to the party, with a bigger, comfier quieter cabin, posher materials and more tech. We’d point you towards one of the 1.0-litre Ecoboost versions, and towards the five-door model over the less practical three-door. Granted, the 0% finance deals we’ve seen are only available on a limited number of engine and trim combinations, but any 0% deal on the best car in the class will still be very appealing.

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There are very few cars of this type that are better than the Seat Leon, and there are even fewer that are available on 0% finance. Even better, the 0% deals we’ve seen are available across most of the Leon range, so whether you’re after performance or efficiency, there should be an offer to suit you. Whichever Leon you go for, though, you get a cracking car, with neat styling, a practical cabin, lots of luxury toys and a very well-rounded driving experience.

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The Ford Mondeo isn’t getting any younger, having been on sale for quite a few years compared to most of its rivals. However, a recent facelift has freshened things up a bit, and despite its age, there are still very few competitors that can match the Mondeo's combination of smoothness and agility on the road. It also happens to be absolutely enormous, meaning that families – along with all the clutter that accompanies a family – will fit comfortably. As with the smaller Fiesta, 0% deals are only available on a very limited number of engine and trim combinations, so you won’t have much choice. Rest assured, though, that there’s no such thing as a bad Mondeo.

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Small SUVs are all the rage at the moment. Buyers simply can’t get enough of them thanks to their mix of style and practicality, and with new models being released on a seemingly weekly basis, manufacturers are lining up to get a piece of the action. The Captur happens to be our favourite of the current crop. Why? Well, it’s arguably one of the most stylish cars of its type, and it’s definitely one of the most practical. It’s also nice to sit in, and comfortable and economical to drive. We’ve seen 0% deals for a number of different versions, so you’ll even have some choice there.

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The X-Trail might not be the biggest or the best seven-seat SUV you can buy, but you’ll struggle to find many others that are available on a 0% finance deal. The 0% deals we’ve seen do seem to be dependent on the trim level you pick, and there’s also limited choice of engines, but in truth, the versions on offer aren’t a million miles away from being the ones we’d recommend anyway. And as an all-rounder, the X-Trail is very hard to fault. It looks great, is nice inside, comes well equipped and is comfortable and quiet on the road.

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The S-Max stands out from other MPVs in two main ways. First off, it’s more stylish than most thanks to its sharp detailing and more flowing lines. Secondly, it’s better to drive than most, combining the comfortable ride that a family needs, with the sharp handling that a fun-hungry parent desires. It’s also one heck of a good MPV, with bags of space and an enormously flexible seating system. Like all the other Ford offerings in this list, the amount of versions available on 0% finance is very limited, but at least that makes your choice easy.

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Historically, the Mazda MX-5 is the world’s best-selling sports car, because it combines three things that are very, very appealing to car buyers. It’s great fun to drive, it looks the business and it’s really affordable. It becomes even more affordable on a 0% finance deal, which Mazda is currently offering on a limited number of versions on a hire purchase agreement. The deal is available on both bodystyles, which are both fab, but we’d point you towards the RF version, which has a folding hard top. It’s not just us, either, as around 80% of buyers opt for the RF.

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Not an executive saloon in its most classic sense, but the 6 Series Gran Coupe has still got four doors, space for four adults, a big boot and a prestige badge. What more does an executive saloon need? A gorgeous interior? Check. Lashing of clever technology? Oh yes. Besides that, the Gran Coupe’s slinkier lines makes it look far more stylish than most of the motors you’ll find littering executive car parks, so your colleagues will be green with envy. It’s also a great car to drive, especially with the 40d diesel engine that provides a brilliant blend of muscle and economy. The good news? This version is among the few being offered on a 0% finance deal.

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Interestingly, there are quite a few luxury cars being offered on 0% deals at the moment – including the BMW 7 Series and Jaguar XJ – but the fact remains that if you’re after a limo, there’s one obvious choice, and that’s the Mercedes S-Class. It has its rivals licked for both comfort and quietness, while the cabin has the space, quality and downright wow-factor to satisfy even the most demanding of customers. The most popular engine is the 350d, which provides the most sensible balance between power and economy, and it just so happens that that’s the one being offered on a 0% PCP deal. Happy days!

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