Please do not buy a used car because of 0% finance! This only means you are paying too much for the car in the first place.
I deal in Fords - Ford are offering 4.9% APR with a £800 deposit allowance on Focus Zetec. The £800 will generally be more than the finance interest charges so this is actually better than 0%. However, some dealers like us are offering this as 0% still with the £800 by using our finance comission to subvent the 4.9 to 0.
I can't comment on anything other than Ford I'm afraid. If you want a proper in depth explanation of terms or figures you can email me.
[email protected]