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Best zero deposit car finance deals - July 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.

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 from at £279 a month with 0% APR, a £279 customer deposit and £1300-£1600 dealer discount
  • The BYD Atto 3 starts at £399 a month with 0% APR, £399 down, a £3100 deposit contribution and a £1800+ dealer discount

  • Find out more on these deals

Citroen

  • The Citroen C3 is £309 a month with a £309 deposit and £210 deposit contribution, and the new Citroen C3 Aircross is £329 a month with a £329 deposit
  • The Citroen C4 costs £369 with £369 down and a £1529 deposit contribution and the Citroen C5 Aircross from £389 a month with £2430 down and £2600 towards your deposit
  • The Citroen e-C3 starts from £339 with a £339 deposit and £1515 deposit contribution and the Citroen e-Berlingo is £449 a month with £4065 down and a £2000 deposit contribution

  • Find out more on these deals

PCP Deal: Citroen e-C3 Plus 83kW with 44kWh battery

£339 a month: 4 year PCP at 6.9% APR with £1515 deposit contribution

The Citroen e-C3 is one of the most affordable new electric cars, and has plenty to recommend it. Capable of just under 200 miles on a charge, it's well equipped, comfortable and spacious. It's well worth a look with this deal, thanks to the low £339 customer deposit required, low-ish 6.9% APR and £1515 deposit contribution to help keep the monthly payments affordable.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£339 47 x £339 (£15,933) £8345 £25,960.26 8000 30th September 2025

 

Hyundai

  • Deposit contributions include the Hyundai Inster (£1000), Hyundai i20, Hyundai Bayon and Hyundai i30 (£1750), Hyundai Tucson, Hyundai Ioniq 5 and Hyundai Ioniq 6 (£2000)
  • 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 Bayon Advance 1.0 100PS

£355 a month: 4 year PCP at 6.9% APR with zero deposit and £1750 deposit contribution

The Hyundai Bayon is one of the cheapest small SUVs you can buy. But despite being a budget offering, it still has decent infotainment and an efficient engine to help cut running costs. You can have one with zero deposit to pay, too, while monthly costs are tempered by a decent deposit contribution.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£0 48 x £355.15 (£17,047.20) £8476.31 £27,273.51 8000 30th September 2025

 

Kia

  • Kia is offering zero deposit PCP on all models, plus deposit contributions including the Kia Picanto and Kia Sorento (£500), Kia Sportage (£500-£1000), Kia Niro (£500-£2000), Kia Stonic (£1250) and Kia Ceed range (£1000-£2000)
  • There's also £1000 towards the Kia Niro EV, Kia EV3, Kia EV6 and Kia EV9, and all EVs get a year of Kia Charge Plus discounted charging included

  • Find out more on these deals

PCP Deal: Kia Sportage Pure

£498 a month: 3 year PCP at 5.9% APR with zero deposit and £1000 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 £1000 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.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£0 36 x £497.80 (£17,920.80) £16,062 £34,982.80 8000 30th September 2025

 

Leapmotor

  • The Leapmotor T03 starts at £199 a month with 0% APR, a £199 deposit and £683 deposit contribution
  • The Leapmotor C10 starts at £399 a month with 1.9% APR, a £399 deposit and £2041 deposit contribution

  • Find out more on these deals

Suzuki

  • The Suzuki Swift is available from £109 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

£274 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 £109.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£0 48 x £273.87 (£13,145.76) £9452 £23,097.76 6000 30th September 2025

 

Toyota

  • PCP deposit contributions include the Toyota Aygo X (£300), Toyota Yaris Cross (£750), Toyota Yaris (£800), Toyota Hilux, Toyota C-HR (£1500-£3500) and Toyota RAV4 PHEV (£1500), Toyota Prius PHEV (£2000) and Toyota Corolla (£3200)
  • 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

£347 a month: 42-month PCP at 2.9% APR with zero deposit and £800 deposit contribution

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 nudge below £350.

>> Find this deal here

Deposit Monthly Payments Optional Final Payment Total Payable Mileage Per Year Deal Available Until
£0 41 x £346.66 (£14,213.06) £10,080 £25,093.06 6000 30th September 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.