Do you offer 0% APR finance?

0% Car Finance Deals

 

Obviously everybody wants to get the very best deal when it comes to purchasing their next vehicle, which is why 0% car finance offers sound so appealing.  After all, what's not to like about driving your new car away from the dealership forecourt knowing that you're only going to pay the agreed sale price, spread over easy instalments? The problem is, this type of scenario is hardly an accurate  portrayal of real life financing! There are 0% APR car finance deals out there, but take a closer look at the small print (the terms and conditions) and you'll see that all is not as rosy (and interest free) as it first appears!

0 percent finance

Before rushing off to take advantage of one of these “great 0% finance on a new car” deals you've seen advertised elsewhere, take a look at what you might be signing up to:

  • A 50% deposit or more. Some purchase deals allow buyers to pay “half now, half in instalments”; great if you've got the necessary £££ to pay five, ten or even fifteen thousand pounds “up front”, but what happens when you haven't?
  • Inflated prices. Although you might be able to access 0% finance on a vehicle, the purchase price might be significantly higher than you would expect to pay if you financed your vehicle purchase through other means.
  • Very few instalments. Sometimes you can find a deal where you can pay in interest free instalments, but it only lasts six months or less; a good option if you can pay several thousand pounds out of your pay packet each month, but otherwise unaffordable to many.
  • 0% car finance deals are almost always open only to motorists who want to purchase a new car.  If you would prefer a used car, or are budgeting sensibly and don't want to spend more than you can afford on a brand new vehicle, it's unlikely that you'll come across a catch-free 0% deal.

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We are a car finance brokerage service, which means that we work with many different lenders and brokers. Each lender or broker will use the information you give us to work out the level of financial risk they feel you represent.  Factors such as a poor credit score, frequent changes of address, a low income or outstanding arrears can all mean that on paper you present a higher risk, leading to your finance being offered at a greater rate of interest. What we do is to collect as many quotes as possible from different lenders, then find the one that's best for your individual circumstances.  Please not all loans are subject to affordability checks.

We will not be able to find you a 0% finance car deal, because they are rarely completely catch-free. Instead, we are committed to finding you the very best price that we can on your financing from our pannel of partners, enabling you to purchase the car you want in an affordable way.

Representative example:

Cash Price £7,500, borrowing £7,500 with £0 deposit and £0 charges over 48 months with an interest rate of 22.4% per annum fixed. Representative 22.4% APR fixed, the amount payable would be £234.75 a month, with a total cost of credit of £3,768.00 and a total amount payable of £11,268.00.

Sandhurst Associates Limited is a FCA-authorised credit broker, not a lender

Representative 22.4% APR.


We work exclusively with a selected group of lenders and brokers to offer you a range of credit and loan products. We may receive commission from lenders or brokers for introducing you to them or when you complete your application with them. You can request details of these commissions or fees, by emailing us. We will then provide you with the precise amount of the commission. Please note the broker we direct you to may not offer the cheapest loan that is available to meet your needs due to the panel of lenders they work with and/or have integrated with.

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Find Me Car Finance is a trading site of Sandhurst Associates Limited (Sandhurst).

Sandhurst is registered as a limited company in England and Wales
with company number 06958589.

Registered Office: The Granary, 50 Barton Road,
Worsley, Greater Manchester, M28 2EB.

Sandhurst is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 723591.

It is also registered under the Data Protection Act 1998 under registration number Z2032925 and a member of the CFA and CSA.

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Support via email is available by clicking here.

Your vehicle may be repossessed if you do not keep up the repayments.

We work exclusively with a selected group of lenders and brokers to offer you a range of credit and loan products. We may receive commission from lenders or brokers for introducing you to them or when you complete your application with them.

You can request details of these commissions or fees, by emailing us. We will then provide you with the precise amount of the commission. Please note the broker we direct you to may not offer the cheapest loan that is available to meet your needs due to the panel of lenders they work with and/or have integrated with.

The guidance contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK only.

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