Abarth has moved into an all-electric new-car era, with the 500e and 600e now at the centre of the UK range while petrol favourites such as the 595 and 695 remain important on the used market. Abarth car finance can therefore mean a 0% ownership-focused agreement on a new EV, a PCP with a final payment, or conventional used-car funding for an older hot hatch.
Enjoy Finance explains the main funding routes and links to third-party providers. We do not provide finance directly, and the website contains affiliate links.
How does Abarth car finance work?
Manufacturer-backed finance is currently provided by Stellantis Financial Services. Abarth offers Personal Contract Purchase, Conditional Sale and Personal Contract Hire, with the structure and incentives varying by model and campaign.
Conditional Sale works towards ownership through fixed repayments, PCP leaves part of the vehicle cost until the end, and PCH is based on using the car for an agreed period before returning it.
The 0% offer is built around a large deposit
Abarth currently advertises 0% APR Conditional Sale on selected 500e and 600e models. The headline rate is attractive, but the current promotion requires a 40% minimum customer deposit.
On the 500e, the agreement runs for 60 months. After the deposit, the remaining financed balance is repaid through fixed monthly payments with no interest added under the promotional terms.
There is no Optional Final Payment and no annual mileage limit. Once all required payments have been made, ownership passes to the customer.
This makes the current offer very different from a low-deposit PCP. It can suit someone who has more cash available at the start and already expects to keep the car.
Government grants reduce the electric-car starting price
Both current Abarth models qualify for the UK Government Electric Car Grant.
The 500e currently receives £3,750, while the 600e receives £1,500. The grant is deducted from the on-the-road price for eligible private retail customers and is separate from any Abarth Deposit Contribution.
That distinction matters when comparing Abarth car finance. A government grant reduces the vehicle price, while a manufacturer contribution reduces the amount you need to fund within a particular finance offer.
The Abarth 500e Car Finance page is useful for buyers looking at the smaller electric hot hatch, while Abarth 600e Car Finance covers the larger and more powerful crossover.
PCP offers a different balance between deposit and monthly cost
Abarth also currently offers PCP on both electric models.
A representative 500e PCP campaign uses a smaller customer deposit than the 0% Conditional Sale route, adds an Abarth Deposit Contribution and leaves a substantial Optional Final Payment at the end. The 600e follows a similar structure, with model-specific contributions and rates.
At the end of PCP, you can pay the Optional Final Payment to own the vehicle, return it subject to mileage and condition rules, or part-exchange it after settling the agreement.
This can reduce the regular monthly commitment, but it also creates a future decision and an agreed mileage allowance.
Read Personal Contract Purchase or PCP Car Deals for more information on how the structure works.
Electric performance brings charging into the budget
The 500e and 600e are performance-focused electric cars, so the monthly finance payment is only part of the running-cost picture.
Home charging access, public charging use, annual mileage, insurance and tyres can all affect the real cost. The higher-output 600e can also bring a different insurance and tyre budget from the smaller 500e.
When reviewing Abarth car finance on either model, compare those costs alongside the agreement rather than treating the advertised monthly figure as the whole budget.
Current PCP examples also use 6,000 miles per year and apply excess-mileage charges if the car is returned above the allowance, so estimate your annual use realistically.
Personal Contract Hire suits drivers who do not want ownership
Abarth also promotes Personal Contract Hire on the 500e and 600e.
Current offers use an initial rental followed by fixed monthly rentals. At the end, the vehicle is returned rather than purchased.
This can appeal to someone who expects electric-car technology to change quickly and does not want to manage the vehicle’s resale value later. Mileage and condition rules still apply, and there is no ownership option at the end.
PCH should therefore be compared with PCP and Conditional Sale according to how long you want the car and what you expect to do when the agreement finishes.
Used 595 and 695 models create a separate finance market
Petrol Abarths still have a strong used following even though the new-car range is electric.
The 595 and 695 are smaller, louder and mechanically very different from the latest EVs. A used buyer may be looking at independent Hire Purchase, a personal loan or another third-party finance route rather than the current manufacturer promotions.
The Abarth 695 75 anniversario Car Finance page covers one of the final special versions of the petrol 695.
Before arranging Abarth car finance on an older car, check the service history, MOT record, mileage, tyre condition, previous modifications and evidence of careful maintenance. Performance cars can attract enthusiast modifications, so understanding what has been changed is particularly useful.
Car Loans gives another ownership-focused route to compare.
Conditional Sale can suit higher-mileage drivers
Mileage is one of the clearest differences between Abarth’s main products.
PCP and PCH require an agreed allowance and can charge for excess mileage when the vehicle is returned. Conditional Sale has no link to annual mileage because ownership passes to the customer after all required payments are made.
That can make Conditional Sale relevant to someone who expects to drive more than the typical PCP allowance, provided the higher initial deposit required by the current 0% offer works for their finances.
Compare the funding route with how you want to use the car
Abarth’s current offers give buyers three very different choices. Conditional Sale focuses on ownership, PCP reduces the amount repaid during the main term by leaving a final payment, and PCH removes the ownership decision altogether.
Before choosing Abarth car finance, compare the customer deposit, government grant, manufacturer contribution, APR, monthly payment, mileage terms, total amount payable and any Optional Final Payment.
Enjoy Finance provides information about vehicle funding and may link to third-party providers. Any quote, application or agreement is supplied by the relevant third party and remains subject to its own eligibility, affordability checks and terms.
FAQs
Who provides Abarth finance in the UK?
Manufacturer-backed Abarth finance is provided by Stellantis Financial Services. Abarth acts as a credit broker rather than the lender.
Does Abarth offer 0% finance?
Yes. Abarth currently advertises 0% APR Conditional Sale on selected 500e and 600e models. The promotion requires a 40% minimum customer deposit and is subject to the published terms.
Can I finance a used Abarth?
Yes. Abarth car finance can be available on used 595, 695 and other models through independent providers. Vehicle age, mileage, value and your circumstances can affect the available terms.
Do Abarth electric cars qualify for a government grant?
Yes. The 500e currently qualifies for a £3,750 UK Government Electric Car Grant, while the 600e qualifies for £1,500, subject to the scheme rules.
Does Conditional Sale have a mileage limit?
No. Abarth states that Conditional Sale has no annual mileage restriction. Once all required monthly payments have been made, ownership passes to you.
