0 deposit car finance deals: May 2025
Want a great car for an affordable monthly payment - but without having to put down a hefty deposit? Check out these top no-deposit and low deposit deals
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Using car finance to get behind the wheel of a new or used car has never been more popular. But even with smaller monthly payments, many finance deals require a hefty deposit to be paid first. If you're keen to reduce those monthly costs further, often the best way of doing this is by paying thousands up front.
So you might think choosing to skip the deposit completely will mean you miss out on deals with the lowest monthly payments. However, it is still possible to bag yourself a good value purchase providing you pick the right deal.
One quick way to cut the cost of car finance is to go for a used car, rather than a brand new model. If you're looking for a low deposit and cheap monthly payments, there are plenty of options available with BuyaCar.
Once you've found the car you like in the search results, simply click or tap it and then scroll down to the budget calculator and change the deposit amount to £0. The new monthly payment figure will automatically be calculated, so you can see how changing the deposit amount affects the monthly payment.
Below are a selection of great used cars representing some of the most popular categories of car that were already very cheap with a deposit and are still affordable without. You can also check out the possibility of car leasing with our BuyaCar lease deals.
BYD
PCP deals include the BYD Dolphin starting at £279 a month with 0% APR, a £279 customer deposit and £1,300-£1,600 dealer discount. The BYD Atto 3 starts at £399 a month with 0% APR, £399 down, a £3,100 deposit contribution and a £1,800 dealer discount. The BYD Seal U DMi starts at £349, the BYD Seal starts at £479 and BYD Sealion 7 starts at £489 a month. Find out more on these deals
Citroen
The Citroen C3 is £299 a month with a £299 deposit and £520 deposit contribution, and the new Citroen C3 Aircross is £315 a month with a £315 deposit. The Citroen C4 costs £369 with £369 down and a £716 deposit contribution and the Citroen C5 Aircross from £439 a month with £439 down and £1,117 towards your deposit. The Citroen e-C3 starts from £339 with a £339 deposit and £884 deposit contribution and the Citroen e-Berlingo is £475 a month with £475 down and a £2,358 deposit contribution. Find out more on these deals
Dacia
Dacia has deposit contributions on the Dacia Sandero Stepway and hybrid models of the Dacia Jogger (£250). There's 4.9% APR over 24 months with a minimum 25% deposit on the Dacia Sandero, Dacia Duster and new Dacia Bigster. The Dacia Spring is 0% APR over 48 months with £1,000 deposit contribution and three years' servicing for £99. Find out more on these deals
Hyundai
Deposit contributions include the Hyundai Kona Electric and Hyundai Inster (£1,000), Hyundai i20, Hyundai Bayon and Hyundai i30 (£1,500), Hyundai Tucson, Hyundai Ioniq 5 and Hyundai Ioniq 6 (£2,000). All models can be had with zero or low deposits pending a successful credit check. Find out more on these deals
Kia
Kia is offering zero deposit PCP on all models, plus deposit contributions including the Kia Picanto and Kia Sorento (£500), Kia Sportage (£500-£1,000), Kia Niro (£500-£2,000), Kia Stonic (£1,250) and Kia Ceed range (£1,000-£2,000). There's also £1,500 towards the Kia Niro EV and £2,000 towards the Kia EV6, and all EVs get a year of Kia Charge Plus discounted charging included. Find out more on these deals
Leapmotor
The Leapmotor T03 starts at £199 a month with a £199 deposit and £653 deposit contribution. The Leapmotor C10 starts at £399 a month with a £399 deposit and £1,259 deposit contribution. Find out more on these deals
Omoda
The electric Omoda E5 is £443 a month with a £442 deposit and 0% APR. Find out more on this deal
Suzuki
The Suzuki Swift is available with 0% APR on a 25-month PCP with a minimum 20% deposit or over 49 months at 7.9% APR with a £500 deposit contribution and no minimum deposit. The Suzuki Vitara and Suzuki S-Cross are available with 0% APR on a 37-month PCP with a minimum 20% deposit or over 49 months at 7.9% APR with a £3,000 deposit contribution. Discounts include Suzuki Swace (£2,000), Suzuki Across (£2,750). Find out more on these deals
Toyota
PCP deposit contributions include the Toyota Aygo X (£300), Toyota Yaris hybrid (£800), Toyota Hilux, Toyota C-HR PHEV and Toyota RAV4 PHEV (£1,500) and Toyota Corolla (£2,000). The Toyota bZ4X is available with 0% APR and a £2,500 deposit contribution. All models can be had with zero or low deposits pending a successful credit check. Find out more on these deals
Nissan Qashqai from £202 a month
Our pick Nissan Qashqai N-Connecta
£0 deposit £202 per month
Nissan Qashqai review
Others may have got there slightly before the Nissan Qashqai, but this is perhaps the car that took small family SUVs mainstream. Subsequent versions of Nissan's smash hit have brought improvements to safety kit, technology and interior quality, so it's no wonder that the Qashqai has proved so popular with buyers across the UK through its three generations. A selection of Qashqai models can be had from around £225 per month with no deposit, adding affordability to the strings of the Nissan's bow.
Nissan Qashqai 1.5 dCi [115] N-Motion 5dr
Price: £9,990 or £201.82 a month
Mileage: 76,423
Annual mileage limit: 8,000
Deposit: £0
Monthly payments: 47 x £201.82 (£9,485.54)
Optional final payment: £4,150
Total payable: £13,635.54
Representative APR: 13.3%
PCP agreement length: 48 months
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Vauxhall Corsa from £205 a month
Our pick Vauxhall Corsa 1.2
£0 deposit £205 per month
Vauxhall Corsa review
Thousands of driving schools and new drivers can’t be wrong - the Vauxhall Corsa is an easy-to-drive, practical and comfortable supermini that’s also big on value. And, if you're happy to look at used models, you can't argue with the prospect of very affordable finance costs from around £200 per month with zero deposit.
That's for the latest - albeit pre-facelift - Corsa that benefits from a solid engine range, decent equipment levels right across the range, and the best looks that the Corsa has featured in years.
Vauxhall Corsa 1.2 Design 5dr
Price: £10,580 or £205.28 a month
Mileage: 29,001
Annual mileage limit: 8,000
Deposit: £0
Monthly payments: 47 x £205.28 (£9,648.16)
Optional final payment: £4,532.50
Total payable: £14,430.66
Representative APR: 13.4%
PCP agreement length: 48 months
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Dacia Sandero from £209 a month
Our pick Dacia Sandero 1.0 TCe Essential
£0 deposit £209 per month
Dacia Sandero review
As one of the cheapest and best-value cars on sale right now, the Dacia Sandero can be had for a reasonable monthly PCP price even if a deposit is out of reach. And that's not for an early car with a huge mileage either. For around £200 per month, you can get behind the wheel of a two to three-year old entry level Sandero with relatively few miles on the clock, all without having to worry your savings account.
Dacia Sandero 1.0 TCe Bi-Fuel Comfort 5dr
Price: £10,750 or £208.52 a month
Mileage: 12,731
Annual mileage limit: 8,000
Deposit: £0
Monthly payments: 47 x £208.52 (£9,800.44)
Optional final payment: £4,622.50
Total payable: £14,672.94
Representative APR: 13.4%
PCP agreement length: 48 months
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Volkswagen Polo from £242 a month
Our pick Volkswagen Polo SE
£0 deposit £242 per month
VW Polo review
The latest-generation VW Polo is a sensible and grown-up looking car. Mature styling on the outside is coupled with a practical and sensibly laid out interior. Thanks to a jump in physical size over its predecessor, the Polo's 351-litre boot is bigger than that of its big rival, the Ford Fiesta, while two 6-foot adults will be able to sit comfortably in the back seats. The Polo also feels more comfortable to drive, too, with a smooth and stable ride.
Volkswagen Polo 1.0 TSI 95 SE 5dr
Price: £11,990 or £242.18 a month
Mileage: 35,963
Annual mileage limit: 8,000
Deposit: £0
Monthly payments: 47 x £242.18 (£11,382.46)
Optional final payment: £5,005
Total payable: £16,387.46
Representative APR: 13.3%
PCP term: 48 months
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MINI Hatchback from £325 a month
Our pick MINI Hatchback 1.5 Cooper
£0 deposit £325 per month
MINI Hatchback review
The MINI Hatchback remains one of the most characterful cars on the road, thanks to its charmingly retro design, playful driving experience and scope for personalisation. Add in an interior that feels good and there's no doubt the MINI stands out from most of its supermini competitors including the Ford Fiesta, Audi A1 and Volkswagen Polo, despite costing little more to own.
MINI Hatchback 1.5 Cooper Classic 3dr
Price: £15,425 or £324.81 a month
Mileage: 14,650
Annual mileage limit: 8,000 per year
Deposit: £0
Monthly payments: 47 x £324.81 (£15,266.07)
Optional final payment: £5,680
Total payable: £21,196.07
Representative APR: 13.4%
PCP agreement length: 48 months
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What finance can I use with no deposit?
Zero deposit car finance tends to be offered with Personal Contract Purchase (PCP). This is the most common way people buy cars in the UK, and means that once you've signed your deal, you’ll pay a monthly fee for an agreed length of time, usually two to five years, and then will have the option to own the car by paying the outstanding amount at the end of finance agreement.
One thing it's worth noting is that monthly payments are likely to be higher to take into account the fact that you didn’t pay a deposit to begin with. It can be worth taking the time to work out if you put down even a small deposit, how much that impacts your monthly payments over the course of your PCP deal.
Which cars are available with no deposit?
On paper at least, most carmakers offer zero deposit finance deals. That means, in theory at least, buyers should have plenty of choice in getting the exact car that meets their needs. However, this comes with the caveat that zero deposit deals require good credit scores to be approved, and that it's extremely important to consider how much the monthly payments and APR will be, and how that fits with your ability to pay.
If the sums add up, then a zero deposit deal will mean you can specify the car exactly as you want it, although delivery times are worth checking right now, as these can extend longer than usual given the continued chip shortage.
How do I get a 0 deposit car finance deal?
Unfortunately, a zero deposit car finance deal won’t be available to every buyer. That’s because, without a significant amount of money paid up front in the form of a deposit, there is a greater risk for the lender to take into account.
Everyone has to have their credit checked when signing up for finance. However, due to the risks involved for the lender, 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.