Renault Twingo 1.2 Dynamique

Renault isn’t shy when it comes to making generous subsidised finance offers. If you can stump up a 40 per cent deposit on its Twingo, you can borrow the rest over three to five years for nothing.

On a 1.2 Dynamique with air-conditioning, a £3,878 deposit results in monthly instalments of £96.95, spread over a period of five years. Alternatively, for an initial down payment of £4,278, and another £10 per month, you could have the perkier Twingo GT 1.2 TCe on your driveway. These are both straight hire purchase deals with no large end payments to worry about.