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0% APR Finance

 0% Finance T&Cs  

What is 0% APR Finance? 

Purchasing a vehicle on 0% APR Finance allows the consumer to spread payments over an extended period of time. However, the main benefit of 0% APR Finance is that customers won't be charged any interest or additional fees for this period.  0% APR Finance isn't a finance type of its own. It is simply a Hire Purchase agreement without the interest, and is only offered in certain circumstances. 0% APR finance deals are only available for a limited time. With a 0% deal, you’ll have to pay a deposit (minimum of 30%), followed by a series of monthly payments. 

How do I qualify for 0% APR car finance?

A strong credit rating is essential to be eligible for the 0% offer.

30% Deposit is required up front and the maximum term for borrowing is 36 months.

Please be aware that to be approved for low interest car finance offers, a hard credit search will be required. The lender will use information from credit reports to determine whether to accept the finance application. 


 

Representative Example below:

Product

MotoNovo - HP 0% Car

Total Price

£6,995.00

Vehicle Price

£6,995.00

Value Added Products

£0.00

Total Deposit

£2,100.00

Cash Deposit

£2,100.00

Part Exchange

£0.00

Settlement Figure

£0.00

Annual Mileage

10,000

Total Amount of Credit

£4,895.00

Total Amount Payable

£6,995.00

 

First Payment

1 Payment of £135.97

Followed By

34 Payments of £135.97

Final Payment

1 Payment of £135.97

Agreement Term

36 months

Administration Fee A

N/A

Administration Fee B

N/A

Option to Purchase Fee

£0.00

Annual Fixed Interest Rate

0%

APR

0%



Finance is provided by MotoNovo Finance limited. Registered in Wales under Company No 11556144. Registered Office: One Central Square, Cardiff, CF10 1FS. Authorised and regulated by the Financial Conduct Authority. This is not a commitment to lend and applications are subject to approval. This indicative quotation is subject to change and final figures will be provided on approval and prior to signing the agreement. It is possible that some customers will end up paying higher monthly repayments if opting for  0% APR Finance as they can be limited to a shorter period of time compared to other finance options. 

Just Drive reserve the right to amend or withdraw offers at any time without prior notice. Please ensure that you can afford the monthly payments, consider that your financial position could change at any given time. Full affordability assessments are carried out at point of application by our highly trained staff to ascertain whether or not you can afford the monthly payments.

FCA No. 676639 Just Drive (South Wales) are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority. 676639 Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. Registered in England & Wales: 10919949 Registered Office: Address: Crossroads Service Station, Pencoed, Bridgend, Wales, CF35 5HY
£99 Admin Fee Applies. An admin fee is a compulsory charge that a buyer must pay to complete the transaction with us when they purchase a vehicle. We charge this fee to cover the costs of essential documentation and administration costs such as an HPI check. Your statutory rights are not affected. We make every effort to ensure all prices and vehicle details on this website are correct. However, the standard specification and prices can sometimes differ from that shown.
Just Drive makes every effort to ensure all prices and vehicle details on this website are correct. However, as these are used cars, the standard specification can sometimes differ from that shown. Please satisfy yourself that a vehicle has a specific feature that is important to you before purchasing, our showroom sales staff will be happy to assist you. Prices, offers and details of vehicles are subject to change without notification. * Road Tax Costs: Please note, road tax prices are quoted for used vehicles. A higher road tax charge may apply to brand new vehicles in their first year. Please see the Governments web site for more information.



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