I'm based in Ireland and looking to buy a new Skoda. The finance options are PCP or standard HP at 3.89%

 

I'm more keen on the HP, and heard they were doing 0% finance a year or two ago here. I also heard that they may offer it again in the near future - does this match up with what is on offer in the UK, or does anyone know more?

 

Obviously if it was imminent again I'd wait a few months before ordering the new car.

0% is still available in the UK

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I think the 0% is PCP only though. Although I could be wrong.

Plus, don't you need a huge deposit for the 0% deal?

Definitely 0% pcp in the uk until 31 march, don't need a massive deposit either.

Excludes vRS models I think.

And the dealers do have the option to set the GFV at a lower than standard value on a PCP, so presumably if you wanted to pay it all off in the 42 months you could get them to reduce it to as close to zero as possible. You may as well just stick with the standard PCP terms and save the rest in your bank account.