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
£1,000 - £25,000Good4.20%6 Months to 5 YearsGet Quotes >
  • Peer to Peer Fixed Interest Loan Rate
  • Instant Online Decision
  • Money in your bank in 1 working day
  • Must be aged 21
  • Minimum Income £14,500
  • Good Credit History and no CCJs

Representative Example: Based on an assumed loan amount of £8,000 over 24 months at a Representative APR of 4.20% p.a. (fixed), you will repay £348.11 per month. Total amount you repay £8,354.64. 

£7,500 - £15,000Good5.00%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges
  • Instant Online Decision
  • Excellent Credit History and lived in UK for at least 1 year
  • Must be aged 18 to 79
  • Have a minimum combined income of £700 pm (from earnings and/or pension)

Representative Example: Based on an assumed loan amount of £10,000 over 36 months at an interest rate of 5.0% p.a. (fixed). Monthly repayment £299.21. Total amount payable £10,771.56

£7,500 - £14,999Good5.90%1 to 7 YearsGet Quotes >
  • 0.3% discount for existing 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: 5.9% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 49 months at an interest rate of 5.90% p.a. (fixed). Monthly repayment £229.45. Total amount payable £11,243.05.

£7,500 - £14,950Good6.40%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 £10,000 over 36 months at a Representative APR of 6.90% paying £305.13 per month will result in a total sum of £10,984.68 over the loan term.
£3,000 - £15,000Good Credit7.90%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges
  • Instant Online Decision
  • Must be aged 25
  • Minimum Income - £30,000 
  • Early redemption charges
  • Must be UK resident

Representative Example: The Representative APR is 7.9% - Based on an assumed loan amount of £7,000 over 36 months at an interest rate of 7.9% p.a. (fixed) you would pay £218.15 a month and £7,853.40 in total.

£1,000 - £15,000Bad Credit Considered18.90%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges
  • Instant Online Decision
  • Must be aged 21
  • Early redemption charges
  • Must be UK resident

Representative Example: The Representative APR is 24.9% - Based on an assumed loan amount of £5,000 over 48 months at an interest rate of 22.46% p.a. (fixed) you would pay £158.73 a month and £7,619.04 in total.

£1,000 - £10,000Bad Credit Considered49.50%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges
  • Instant Online Decision
  • Must be aged 18 to 65
  • Early redemption charges
  • Must have monthly income of over £700
  • Must be UK resident

Representative Example: Based on an assumed loan amount of £7,500 over 60 months at an interest rate of 49.50% p.a. (variable) you would pay £295.10 a month. The interest payable would be £10,206 with a £180 document fee making the cost of the loan £17,886.

£1,000 - £5,000 (Guarantor Loan)All Bad Credit Considered53.80%1 to 5 YearsGet Quotes >
  • Same day decision
  • No set up fees or charges
  • Any bad credit considered
  • Need a guarantor that owns a property
  • Must be aged between 18 and 65

Representative Example: £3,000 over 3 years, representative 53.8% APR fixed. Monthly payment of £151.15. Interest payable £2,441.40. Total repayable £5,441.40. Annual interest rate 36% fixed.


UK Credit is a specialist no fee guarantor loan provider. All bad credit considered. Please only apply if you have a HOMEOWNER GUARANTOR to support your application.

£1,000 - £3,000 (Tenant Guarantor Loan)All Bad Credit Considered69.9%1 to 3 YearsGet Quotes >
  • Same day decision
  • No set up fees or charges
  • Any bad credit considered
  • Need a Tenant to act as guarantor
  • Must be aged between 18 and 65

Representative Example: £2,000 over 3 years, representative 69.9% APR fixed. Monthly payment £113.47. Annual interest rate 45.84% fixed. Interest payable £1,884.92. Broker fee payable £200.00. Total repayable £4,084.92.

 


UK Credit is a specialist no fee guarantor loan provider. All bad credit considered. Please only apply if you have a TENANT AS YOUR GUARANTOR. This type of loan is good for consolidating more expensive credit.

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 LoanAPRTermApply
£10,000 - £500,00015.10% Typical (Variable)3 Years - 25 YearsGet 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 - £200,00015.60% Typical (Variable)Up to 25 YearsGet 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.
Poor Credit Car Loans - Homeowners Only
ProviderMin - Max LoanAPRTermApply
£10,000 - £500,00015.10% Typical (Variable)3 Years - 25 YearsGet 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 - £200,00015.60% Typical (Variable)Up to 25 YearsGet 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.