If you’re looking for 0% car finance, you’ve come to the right place. At Accept Car Finance, we specialise in 0% APR* car finance deals, helping you save money when buying a car over time. Thanks to our great car finance packages our deals are clear and straight forward.

What is a 0% car finance deal?

There are no interest charges and no additional fees with 0% APR car finance – that is why it’s also referred to as interest-free credit – so the total of your payments should add up to the cash price of the car – and no more. Similar to any loan, 0% finance deals is paid back over a set period of time (36 – 72 months). Depending on the car you’re looking for, these 0% deals will be applied to your Purchase agreement which in most case is Hire Purchase. However, the option you pick will depend on what kind of ownership you want.

Used cars with 0% finance

The used car finance industry is very competitive, which keeps interest rates low. At Accept Car Finance, we work with 20+ lenders to ensure that you get a competitive quote for your circumstances, along with a good value cash price to begin with – which means you might be able to get more car for your monthly budget than you might expect. There are a wide range of cars currently available with 0% deals – everything from city cars to saloons and even huge SUV range.

At Accept Car Finance, we have over 1,500 cars in group stock for you to choose, therefore, we can be confident you will have the flexibility to choose your dream car and if not we will find and fund it for you. On thing to consider with 0% deals a large deposit might be required and you also need to have a good credit profile, but this shouldn’t stop you from getting vehicle finance as our lenders consider all circumstance and will offer you the best rate possible as an alternative. It is unlikely that you will be able to purchase a car on 0% finance with Accept Car Finance if you have a poor credit score or have previously been declared bankrupt. In a nutshell, before taking out car finance, you need to take into account how much you’re spending, how much you can afford to pay back each month and how good your credit history is.
Read more: Car Finance calculator: Check your monthly payments

HP 0% finance deals

Whether you are in search for a small city car, luxury or premium car, family car, SUV, hybrid car or even a van, you can get started by submitting your application online today. If you’re not quite sure what car you’re after for the time being, you can still see if you can get accepted for 0% car finance thanks to our simple 30 second application process for our soft search checks.


Disclaimer: Please be aware that an initial soft search is made to check your eligibility for finance, but to be approved for 0% car finance, a further hard credit search will be required and the rate is subject to status.