0% Finance on Car Loans

Find the best loan deals and apply online

Although 0% finance on car loans is relatively rare these days, there are still a few deals available. Compare the whole car insurance market with our no obligation loan car loan calculator and discover if 0% finance on car loans could be an option for you and your circumstances.

 

Our no obligation loan calculator will work out the best deals for your circumstances, whether they offer 0% on car loans or not. Just click on the link to fill in your details and let us do the rest! Whether or not you are eligible for 0% finance on car loans will depend on your circumstances, including:

 

  • Your credit history
  • The amount borrowed for the car
  • The timeframe money is borrowed for

 

Because an offer of 0% finance on car loans is so rare, securing such a deal can often mean making sacrifices in other areas, such as the make or model of the car.If you discover you are not eligible for 0% finance on car loans because of a bad credit rating you could try using our quick and easy service to obtain a bad credit car loan quote.

Compare Car Loan Quotes
LenderMin - Max LoanCredit HistoryRepresentative APRTermApply
£7,500 - £14,999Good Credit4.50%1 to 5 YearsGet Quotes >
  • Discounted rates for existing Nationwide customers
  • Fixed Interest Loan Rate
  • No set up charges or hidden fees
  • Instant Online Decision
  • Must earn at least £700 pm (can be combined income)
  • Must be aged 18
  • If self employed must be homeowner and supply 1 years audited accounts
  • Good Credit History and lived in UK for at least 1 year

Representative Example: 4.5% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 4.50% p.a. (fixed). Monthly repayment £186.02. Total amount payable £11,161.20.

£40,000 - £200,000 (Homeowners Only)Good Credit5.59%3 years to 25 yearsGet Quotes >
  • Nemo's cheapest secured loan
  • Borrow between £40k to £200k
  • No harm to your credit rating when you request quote
  • Home Owners Only
  • Maximum LTV 55% of your property
  • Must be aged 21

Representative Example: The representative APR is 6.2% (variable) so if you borrow £100000 over 25 years at a rate of 5.592% (variable) you will repay £644.38 per month & total amount payable £154,651.20. This loan will be secured on your home. 

£7,500 - £14,950Good Credit4.90%1 to 5 YearsGet Quotes >
  • Borrow between £1k to £25k
  • 85% of customers receive an instant decision
  • No set up charges or hidden fees
  • Available to existing NatWest current account holders
  • Must be aged 18
  • Good Credit History
Representative Example: Borrow £7,500 over 5 years at a Representative APR of 4.90% paying £140.81 per month will result in a total sum of £8,448.60 over the loan term.
£20,000 - £100,000 (Homeowners Only)Good Credit6.90%3 years to 25 yearsGet Quotes >
  • Shawbrook's cheapest standard rate secured loan
  • Borrow between £20k to £100k
  • No harm to your credit rating when you request quote
  • Home Owners Only
  • Maximum LTV 65% of your property
  • Must be aged 21

Representative Example: The representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% (variable) you will repay £402.23 per month & total amount payable £72,401.40. This Loan will be secured on your home.

£1,000 - £25,000Excellent Credit7.00%6 Months to 5 YearsGet Quotes >
  • Peer to Peer Fixed Interest Loan Rate
  • Instant Online Decision
  • Money in your bank in 1 working day
  • Excellent Credit History Only
  • Must be aged 21
  • Minimum Income £14,500

Representative Example: Based on an assumed loan amount of £5,000 over 24 months at a Representative APR of 7.00% p.a. (fixed), you will repay £223.86 per month. Total amount you repay £5,372.64. 

£1,000 - £20,000Poor Credit48.50%1 to 3 YearsGet Quotes >
  • Interest Rates from 19% - 99% 
  • Rebuild Your Credit
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 48.50% - Based on an assumed loan amount of £3,000 over 12 months at an interest rate of 48.50% p.a. (fixed) you would pay £670.83 a month and £3,670.83 in total.

Fair Investment Company is independent and provides a selection of some of the leading loan deals available. Our service does not compare or contrast all of the loan deals currently available in the market. If you would like to arrange any of the products shown in the table please click on the “Apply” link which will take you to the provider’s website where you will be able to view further details of the product and apply online.

Fair Credit Car Loans - Homeowners
ProviderMin - Max LoanCredit HistoryAPRTermMax LTVApply
£40,000 - £200,000Good5.59%3 to 25 years55%Get Quotes >
  • Borrow between £40k to £200k
  • Nemo's cheapest loan
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 55% of your property
  • Must be aged 21

 Representative Example: The representative APR is 6.2% (variable) so if you borrow £100000 over 25 years at a rate of 5.592% (variable) you will repay £644.38 per month & total amount payable £154,651.20.

£20,000 - £100,000Good6.90%3 to 25 years65%Get Quotes >
  • Borrow between £20k to £100k
  • Shawbrook's cheapest standard loan
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 65% of your property
  • Must be aged 21

Representative Example: The representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% (variable) you will repay £402.23 per month & total amount payable £72,401.40

£40,000 - £200,000Good7.01%3 to 25 years70%Get Quotes >
  • Borrow between £40k to £200k
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 70% of your property
  • Must be aged 21

 Representative Example: The representative APR is 8.3% (variable) so if you borrow £50000 over 20 years at a rate of 7.008% (variable) you will repay £418.92 per month & total amount payable £100,540.80.

£7,500 - £39,999Good7.01%3 to 25 years65%Get Quotes >
  • Borrow between £7,500 to £39,999
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 65% of your property
  • Must be aged 21

 Representative Example: The representative APR is 8.9% (variable) so if you borrow £30000 over 15 years at a rate of 7.008% (variable) you will repay £296.76 per month & total amount payable £53,416.80.

£20,000 - £100,000Good7.70%3 to 25 years75%Get Quotes >
  • Borrow between £20k to £100k
  • Shawbrook's flexible low rate secured loan
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 75% of your property
  • Must be aged 21

Representative Example: The representative APR is 9.7% (variable) so if you borrow £50000 over 15 years at a rate of 7.7% (variable) you will repay £516.41 per month & total amount payable £92,953.80.

£5,000 - £80,000Fair9.95%3 to 25 Years60%Get Quotes >
  • Borrow between £5k to £80k
  • Self employed accepted
  • 3 to 25 year term
  • Fair credit rating
  • Home Owners Only
  • Maximum LTV 60% of your property
  • Must be aged 21

Representative Example: The representative APR is 11.8% (variable) so if you borrow £40000 over 15 years at a rate of 9.95% (variable) you will repay £460.77 per month & total amount payable £82,938.60.

£5,000 - £40,000Good10.90%3 to 25 years80%Get Quotes >
  • Borrow between £5k to £40k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 80% of your property
  • Must be aged 21

Representative Example: The representative APR is 15.2% (variable) so if you borrow £20000 over 10 years at a rate of 10.9% (variable) you will repay £313.19 per month & total amount payable £37,582.80

£5,000 - £30,000Good11.90%3 to 25 years85%Get Quotes >
  • Borrow between £5k to £30k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 85% of your property
  • Must be aged 21

Representative Example: The representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 11.9% (variable) you will repay £248.35 per month & total amount payable £29,802.00.

£5,000 - £30,000Good14.90%3 to 25 years90%Get Quotes >
  • Borrow between £5k to £30k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 90% of your property
  • Must be aged 21

Representative Example: The representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 14.9% (variable) you will repay £248.35 per month & total amount payable £29,802.00.

£5,000 - £30,000Good14.90%3 to 25 years95%Get Quotes >
  • Borrow between £5k to £30k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 95% of your property
  • Must be aged 21

Representative Example: The representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 17.3% (variable) you will repay £248.35 per month & total amount payable £29,802.00.

£10,001 to £50,000Poor15.00%5 years to 25 years70%Get Quotes >
  • Borrow between £5k to £50k
  • Self Employed accepted
  • 5 to 25 year term
  • Poor credit rating
  • Home Owners Only
  • Maximum LTV 70% of your property
  • Must be aged 18

Representative Example: The representative APR is 18.8% (variable) so if you borrow £20000 over 10 years at a rate of 15% (variable) you will repay £351.71 per month & total amount payable £42,205.20.

£10,000 - £500,000All Credit Profiles Considered15.10% Typical
(Variable)
3 Years - 25 YearsUp to 90%Get Quotes >
  • Compare latest secured loan deals
  • Borrow between £10k to £500k
  • No harm to your credit rating when you request quote
  • Fixed rates available
  • All credit profiles considered
  • Home Owners Only
  • Maximum LTV 90% of your property
  • Must be aged 21

The Loans Engine is a broker, not a Lender. They will connect you with a Lender suitable for your needs or, if appropriate, a specialist Broker. They do not charge you an upfront fee but if your application is successful a Broker commission may be charged.

£3,000 - £200,000All Credit Profiles Considered15.60% Typical
(Variable)
Up to 25 YearsUp to 90%Get Quotes >
  • Compare latest secured and unsecured loan deals
  • Borrow between £3k to £200k
  • No harm to your credit rating when you request quote
  • Fixed rates available
  • All credit profiles considered
  • Home Owners Only
  • Must be aged 18

Freedom Finance is a broker, not a Lender. They will connect you with a Lender suitable for your needs or, if appropriate, a specialist Broker. They do not charge you an upfront fee but if your application is successful a Broker commission may be charged.

£3,000 to £10,000Fair19.60%3 to 10 Years90%Get Quotes >
  • Borrow between £3k to £10k
  • Evolution Money's lowest rate loan
  • 3 to 10 year term
  • Fair credit rating
  • Home Owners Only
  • Maximum LTV 90% of your property
  • Must be aged 18

Representative Example: The representative APR is 27.1% (variable) so if you borrow £10000 over 7 years at a rate of 19.6% (variable) you will repay £248.01 per month & total amount payable £20,832.84.

£5,000 to £10,000Poor30.60%3 to 10 Years120%Get Quotes >
  • Borrow between £5k to £10k
  • 3 to 10 year term
  • Poor credit rating
  • Home Owners Only
  • Maximum LTV 120% of your property
  • Must be aged 18

Representative Example: The representative APR is 42.4% (variable) so if you borrow £7500 over 5 years at a rate of 30.6% (variable) you will repay £270.24 per month & total amount payable £16,214.40.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Poor Credit Car Loans - Homeowners Only
ProviderMin - Max LoanCredit HistoryAPRTermMax LTVApply
£10,001 to £50,000Poor15.00%5 years to 25 years70%Get Quotes >
  • Borrow between £5k to £50k
  • Self Employed accepted
  • 5 to 25 year term
  • Poor credit rating
  • Home Owners Only
  • Maximum LTV 70% of your property
  • Must be aged 18

Representative Example: The representative APR is 18.8% (variable) so if you borrow £20000 over 10 years at a rate of 15% (variable) you will repay £351.71 per month & total amount payable £42,205.20.

£10,000 - £500,000 15.10% Typical
(Variable)
3 Years - 25 Years Get Quotes >
  • Compare latest secured loan deals
  • Borrow between £10k to £500k
  • No harm to your credit rating when you request quote
  • Fixed rates available
  • All credit profiles considered
  • Home Owners Only
  • Maximum LTV 90% of your property
  • Must be aged 21

The Loans Engine is a broker, not a Lender. They will connect you with a Lender suitable for your needs or, if appropriate, a specialist Broker. They do not charge you an upfront fee but if your application is successful a Broker commission may be charged.

£3,000 - £200,000 15.60% Typical
(Variable)
Up to 25 Years Get Quotes >
  • Compare latest secured and unsecured loan deals
  • Borrow between £3k to £200k
  • No harm to your credit rating when you request quote
  • Fixed rates available
  • All credit profiles considered
  • Home Owners Only
  • Must be aged 18

Freedom Finance is a broker, not a Lender. They will connect you with a Lender suitable for your needs or, if appropriate, a specialist Broker. They do not charge you an upfront fee but if your application is successful a Broker commission may be charged.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.