No interest? That’ll be KGM
Zero Percent, 100% Cheeky: KGM Drives a Hard(ly Any Interest) Bargain
Summer is here, the sun is doing its best British impression of "occasionally visible," and KGM Motors UK has decided the perfect way to mark the occasion is to slash the cost of borrowing to practically nothing. That's right - KGM has just launched a fresh retail campaign, and it's less "buy now, pay later" and more "buy now, pay… basically the same amount, later, but slower." Zero percent APR, no deposit needed. It's the automotive equivalent of a free lunch, except the lunch is a Torres EVX and it comes with a boot big enough to smuggle an actual boot factory.
The Headline Act: 0% Down, 0% Drama
From 1st July to 30th September, KGM is offering three years of 0% APR finance — on both Hire Purchase (HP) and Personal Contract Purchase (PCP) — across the Tivoli, Torres EVX, Torres Hybrid and Actyon Hybrid. No deposit. No interest. No excuses left for driving that squeaky 2009 hatchback with the mystery rattle any longer.
Not fussed about the three-year sprint? KGM's got range for that too:
4-year finance at 1.9% APR — for the "I like to plan ahead but not that far ahead" crowd.
5-year finance at 2.7% APR — for anyone who considers a five-year plan practically spontaneous.
Deposit Contributions: KGM Chips In (Literally)
Going for a Torres Hybrid or Torres EVX? KGM will throw in a £1,500 finance deposit contribution, which is corporate-speak for "we'll cover the awkward bit at the start so you don't have to raid the sofa cushions." It's basically KGM saying "we've got this round," which, in car-buying terms, is the financial equivalent of someone else grabbing the bill.
For the 4x4 and Commercial Crowd
Not everyone wants a hybrid hatchback energy — some people want a vehicle that could tow a barn. For those customers, KGM is serving up 7.9% APR representative HP and PCP finance on the Rexton, Rexton Commercial, Musso and Musso EV. And speaking of the Musso EV — it pairs electric power with pickup-truck muscle, and comes with Benefit-in-Kind costs starting from £30 a month for the 2026/27 tax year, which is less than most people's coffee budget. Truly, a triumph of horsepower economics.
Motability Gets a Glow-Up Too
KGM hasn't forgotten the Motability crowd either, refreshing its scheme offers:
Tivoli K40: advance payment from £399 (manual) or £699 (automatic)
Torres Hybrid: advance payment of £3,999 through participating Motability-accredited retailers
The Bottom Line
All of this arrives as KGM's UK range keeps expanding — hot on the heels of the Musso Rhino, Musso Commercial and Musso EV joining the family. Between the 0% deals, the deposit top-ups, and the Motability refresh, KGM is making a pretty compelling case that the smartest move this quarter isn't just changing your car - it's changing how little you pay for the privilege.
Offers run 1st July to 30th September 2026, subject to status, terms and conditions, and participating retailer availability — because no finance blog post is complete without at least one sensible sentence.
From the manufacturer formerly known as SsangYong.