Best zero deposit car finance deals - December 2025
Looking to get behind the wheel of a new car without troubling your savings account? A 0 deposit car finance deal means you pay nothing up front. Here are the best offers on zero and low deposit finance we've found.
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The increasing cost of living means that it’s harder and harder to get the money together to put down a deposit for a new PCP, let alone buy a new car outright. If this sounds like you, zero deposit car finance could be worth exploring.
A £0 deposit car finance deal means you pay no deposit on your PCP finance deal. You may have a car to trade-in towards your deposit, or you may be looking at a PCP with a deposit contribution, which will help lower your monthly payments, but the point is that you don't have to stump up a large amount of cash to get a PCP on a car that works for you.
As with all car finance, there are trade offs. Yes you get the convenience of not having to save up to afford a large initial sum, but you are effectively passing the costs on to yourself further down the line through increased monthly payments.
These larger monthly payments, often made over a longer time period, mean there's the likelihood of attracting larger interest payments, too. As ever it's worth figuring out the whole cost of the deal, and not being seduced by the appeal of low or no deposit agreements, before you sign up.
After more deals on new cars? Check out our round-up of all the best new car deals around.
Best Zero Deposit Car Finance Deals
Our round up the best new-car zero and low-deposit PCP finance deals that are available right now. This list includes manufacturers that offer zero deposit deals, plus our picks of the best makes and models on offer with no deposit to pay.
BYD
- PCP deals include the BYD Dolphin Surf from £189 a month with £189 deposit and 0% APR and the BYD Dolphin from £289 a month with £289 down and 1.2% APR. Both get deposit contributions and dealer discounts that vary depending on model
- Find out more on these deals
PCP Deal: BYD Dolphin Surf Boost
£189 a month: 4 year PCP at 0% APR with £189 customer deposit
The BYD Dolphin Surf might be one of the Chinese firm's smallest cars, but it's also one of the best. Cheap to buy, well equipped and really quite spacious for its small size, the Dolphin Surf has plenty to recommend it.
BYD is also offering plenty of incentives to get behind the wheel. Choose the entry level Active trim and you pay £199 a month with £199 deposit and 0% APR. However, if you upgrade to top-spec Boost trim you actually pay less thanks to more generous incentives - Boost models get a £3430 deposit contribution and £1678 dealer discount which drop monthly payments to £189.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £189 | 48 x £189 (£9072) | £7580.63 | £20,271.63 | 6000 | 31st December 2025 |
GWM
- The Ora 03 is available on a 0% APR four-year PCP at £249 a month with £249 down, thanks to a £3750 deposit contribution and £3277 discount
- Find out more on this deal
Hyundai
- Deposit contributions include the Hyundai Inster (£3750), Hyundai i20 (£1750), Hyundai Ioniq 9 (£1500) and Hyundai Ioniq 5 and Hyundai Ioniq 6 (£2500)
- Non-electric Hyundai Kona, Hyundai Inster, Hyundai Ioniq 5 and Hyundai Ioniq 6 are 0% APR and all models are available with £0 customer deposit required
- Find out more on these deals
PCP Deal: Hyundai Inster 01
£323 a month: 4 year PCP at 3.9% APR with zero deposit and £3750 deposit contribution
The Hyundai Inster is a welcome breath of fresh air as it looks like nothing else on the road. It's roomy and practical for a small car too, and even the base model is well equipped. You can have one with zero deposit to pay, while monthly costs are tempered by a decent £3750 Hyundai Electric Car grant deposit contribution that's the equivalent of the top government Electric Car Grant discount.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £0 | 48 x £323 (£15,504) | £8829 | £24,333 | 6000 | 4th January 2026 |
Kia
- Kia is offering zero deposit PCP on all models, plus deposit contributions including the Kia Picanto and Kia Sorento (£500), Kia Sportage (£1500), Kia Niro (£500-£2000), Kia Stonic (£1250) and Kia XCeed (£2000)
- There's also £1000 towards the Kia Niro EV, Kia EV5, Kia EV6 and Kia EV9, £1500 off the Kia EV3 GT-Line and GT-Line S, and £3750 off Kia EV3 Air and Kia EV4 Air models
- Find out more on these deals
PCP Deal: Kia Sportage Pure
£478 a month: 3 year PCP at 5.9% APR with zero deposit and £1500 deposit contribution
The Kia Sportage is one of the UK's best-selling cars. And it's not hard to see why, given that Kia's family SUV has plenty of equipment, even in entry-level Sportage Pure trim as we've chosen here, a spacious interior and a great warranty. This deal is for the freshly facelifted Sportage, which is only just arriving in UK dealers.
The Sportage also benefits from some decent finance incentives like Kia chipping in £1500 so you don't need to put down a deposit, meaning getting behind the wheel of the top-selling Sportage shouldn't break the bank.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £0 | 36 x £478.30 (£17,218.80) | £16,233 | £34,951.80 | 8000 | 16th December 2025 |
Leapmotor
- The Leapmotor T03 starts at £169 a month with 0% APR, a £169 deposit, £708 deposit contribution and £1500 Leap Grant
- The new Leapmotor B10 starts at £299 with £299 down, a £1512 deposit contribution and £1500 Leap Grant
- The Leapmotor C10 starts at £329 a month with 1.9% APR, a £329 deposit and £594 deposit contribution, plus £3750 Leap Grant
- Find out more on these deals
MG
- The MG4 is available for £329 a month with a £587 deposit, thanks to a £3250 deposit contribution and £1500 MG Electric Car Grant
- Find out more on this deal
Suzuki
- The Suzuki Swift is available from £119 a month with 0% APR on a 25-month PCP with a minimum 20% deposit or over 49 months at 5.9% APR with a £500 deposit contribution and no minimum deposit
- Find out more on this deal
PCP Deal: Suzuki Swift Mild Hybrid Motion
£250 a month: 4 year PCP at 5.9% APR with zero deposit and £500 deposit contribution
The Suzuki Swift has always been one of the better superminis, albeit with space at a premium. The latest model continues that trend, with an all-new engine that's very frugal, plenty of equipment and rear-seat space that's a little tight.
Zero deposit is available on PCP with the Swift over 48 months, plus a £500 deposit contribution. If you have the means to put down a deposit, a 0% APR deal is available too, with a maximum 25-month term, and monthly payments starting at just £119.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £0 | 48 x £250.10 (£12,004.80) | £8843 | £21,347.80 | 6000 | 31st December 2025 |
Toyota
- PCP deposit contributions include the Toyota Aygo X (£300), Toyota Yaris Cross and Toyota Yaris (£1000), Toyota Hilux, Toyota C-HR, Toyota RAV4 PHEV, Toyota Prius PHEV and Toyota Corolla (£1500)
- The C-HR, Corolla and Yaris can also be had with 0% APR over 24 months and zero customer deposit is also an option
- The Toyota bZ4X is available with 0% APR and a £4000 deposit contribution
- Find out more on these deals
PCP Deal: Toyota Yaris Design
£342 a month: 42-month PCP at 2.9% APR with zero deposit and £1000 deposit contribution
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The Toyota Yaris was once a simple city car designed for reliable urban transport. Now it's better to think if it as a baby Lexus with its refined hybrid drivetrain, upmarket-feeling interior and ample driver assistance systems. Opt for zero deposit but only drive 6000 miles per year and your monthly payments only nudge slightly above £340.
| Deposit | Monthly Payments | Optional Final Payment | Total Payable | Mileage Per Year | Deal Available Until |
| £0 | 41 x £341.53 (£14,002.73) | £10,080 | £24,080.73 | 6000 | 15th December 2025 |
Is a 0 deposit car finance deal a good idea?
Zero deposit car finance can be a great way of getting behind the wheel as you don't have to dip into your savings to pay a deposit. Instead, you just need to have enough money to cover the monthly payments and running costs of your car.
However, by not paying a deposit, your monthly payments will be slightly larger, although this may be more manageable for you depending on your finances.
It's worth looking for deposit contribution deals, perhaps on less popular cars, or models that are due to be replaced, as this means the car company covers some or all of your deposit, leaving your monthly payments more reasonable.
If you do decide to opt for a zero deposit deal, it's worth remembering that your finance application and any late payments can lower your credit score.
What’s the difference between zero deposit car finance and 0% car finance?
Zero deposit car finance means that you don't pay anything towards the deposit when you start your finance agreement. There may still be a deposit contribution paid, but that comes from the carmaker or car dealer's side.
0% APR finance on the other hand means that you don't pay any extra interest over the term of your agreement for the car you're financing than the cost of the car itself.
It's quite rare, but it is possible to find PCP deals where you pay no deposit, there is a deposit contribution, and there's 0% APR on the agreement, too.
What do I need to get a 0 deposit car finance deal?
Unfortunately, a zero deposit deal won’t be available to every buyer. That’s because there is a greater risk for the lender to take into account. Every person signing up to a finance deal will have their credit checked. However, it’s likely that a more thorough credit check will take place, including proving your income, to make sure you’re good for the repayments. You may also be asked for a guarantor to ensure that payments will be received if you can’t afford them for any reason.
What types of finance are offered with no deposit?
Zero deposit car finance is usually offered with Personal Contract Purchase (PCP). This is the most common way people finance cars in the UK, and means you’ll pay monthly with the option to own the car by paying the outstanding amount at the end of finance agreement.
The monthly payments are likely to be higher to take into account the fact that you didn’t pay a deposit to begin with, therefore it's worth looking out for PCP deals that include some kind of manufacturer deposit contribution or discount to help keep monthly payments reasonable.
Which cars are available with no deposit?
Many carmakers offer zero deposit finance deals, meaning that you’ll have plenty of choice in getting the exact car that meets your needs. They’re available on brand new cars, so you can specify the car exactly as you want it, although delivery times are worth checking right now, as these are still longer than usual given supply chain difficulties.
It is possible to get used cars with zero deposit finance, too, although it's worth checking exactly how much you'll end up paying overall, as these agreements can prove quite costly. It's always worth getting a quote tailored to you before you sign up to any deal, as this will spell out all the costs and obligations you'll need to cover.
