Cheapest Electric Car with No Down Payment: Complete Guide to 2025 Offers

Finding an electric car with no down payment is now possible, with leasing prices starting at €95/month. True no-deposit EV leasing deals are rare, and most manufacturers offer LOA or LLD plans with hidden upfront costs. Social leasing allows access to brand-new EVs for under €100/month, with no initial payment. But beware of real conditions: limited range, mileage caps, and hidden costs may surprise you.

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This revolutionary program improves access to EVs with unbeatable prices. Social leasing offers over 50,000 new electric cars to low-income households starting September 30, 2025. Eligibility requires a taxable income below €15,400 per share and a home-to-work distance over 15 km.

Fiat Grande Panda Electric: €95/month

The Fiat Grande Panda electric launches social leasing at just €95/month. This city car offers 320 km WLTP range with a 44 kWh battery—ideal for urban and suburban use. The contract spans 36 months with 36,000 km included (10,000 km/year).

Dacia Spring Essential: €100/month

The Dacia Spring Essential joins social leasing at €100/month, confirming its status as the most affordable EV. With 230 km WLTP range and a 27 kWh battery, it’s perfect for city driving. The offer includes 8,000 km/year over 36 months.

Citroën ë-C3 Electric: €100/month

Citroën’s new ë-C3 electric is also available at €100/month via social leasing. This French city car offers 320 km range with a 44 kWh battery, making it a credible alternative to combustion vehicles for daily use.

Renault 5 E-Tech: €120/month

The new Renault 5 E-Tech, a flagship of France’s electric revival, joins social leasing at €120/month. With 400 km range and a retro-modern design, it offers excellent value under the government scheme.

Peugeot e-208: €135/month

The Peugeot e-208 electric joins social leasing at €135/month, offering 362 km WLTP range with a 50 kWh battery. This compact EV combines modern design and efficient performance with 15.4 kWh/100 km consumption.

Cupra Born: €189/month

Cupra Born tops the social leasing list at €189/month, offering the highest range in the program—420 km WLTP. This sporty compact EV targets drivers seeking performance and premium design at a subsidized price.

The €7,000 leasing aid is already included in all displayed prices. Note: the Renault Twingo E-Tech is no longer sold and not available via social leasing.

Manufacturer LOA/LLD Offers with No Down Payment

Outside social leasing, some manufacturers offer no-deposit leasing deals—but real conditions are often less favorable than advertised.

Dacia Spring: Beware of Hidden Upfront Costs

The Spring is often advertised at €89/month, but this hides a €4,000 initial payment. Without this disguised deposit, the real monthly cost exceeds €190. In true no-deposit LLD, expect around €200/month over 61 months for the Expression version, with 7,500 km/year included.

Citroën ë-C3: France’s New Urban EV

Citroën positions the ë-C3 as a French alternative to the Spring. True no-deposit offers start at €250/month in 48-month LLD—much higher than advertised. Real-world range is 280 km with a 44 kWh battery. The lease includes 10,000 km/year and an 8-year battery warranty. CEE subsidies can reduce purchase price by €3,100 to €4,200 depending on income.

Peugeot e-208: Versatile EV Leasing

Peugeot rarely offers true no-deposit deals. The Like version at €249/month often requires a €4,242 CEE advance. Without upfront payment, expect €300/month in 48-month LLD with 10,000 km/year. The 50 kWh battery offers 362 km WLTP range and 15.4 kWh/100 km consumption.

Comparison: Price and Range of No-Deposit EVs

Detailed Comparison Table: Best Value for Money in 2025

Electric Vehicle Model	Advertised Price	Actual Down Payment	True Monthly Cost	Duration	Km/year	WLTP Range	Battery (kWh)	Offer Type
Fiat Grande Panda (social)	€95	€0	€95	36 months	10,000	320 km	44 kWh	Social leasing
Dacia Spring (social)	€100	€0	€100	36 months	8,000	230 km	27 kWh	Social leasing
Citroën ë-C3 (social)	€100	€0	€100	36 months	10,000	320 km	44 kWh	Social leasing
Renault 5 E-Tech (social)	€120	€0	€120	36 months	10,000	400 km	52 kWh	Social leasing
Peugeot e-208 (social)	€135	€0	€135	36 months	10,000	362 km	50 kWh	Social leasing
Dacia Spring Expression	€89	€4,000	€194 (averaged)	37 months	7,500	230 km	27 kWh	LLD
Citroën ë-C3 Max	€199	Variable	€250 (no deposit)	48 months	10,000	320 km	44 kWh	LOA
Peugeot e-208 Like	€249	€4,242 CEE	€300 (no deposit)	48 months	10,000	362 km	50 kWh	LLD

Eligibility Conditions for No-Deposit Electric Cars

Social leasing imposes strict conditions to access electric vehicles from €95/month without a down payment. On the income side, your reference taxable income must be below €15,400 per share, or you must belong to the first five income deciles while proving stable income such as a permanent or long-term fixed-term contract.

Mobility criteria require a home-to-work distance greater than 15 km or more than 8,000 km annually for professional reasons. You must also hold a valid category B driving license for at least 2 years. Important: only one participation in the social leasing program is allowed per household.

Standard LOA and LLD: Conditions for No-Deposit Offers

These LOA and LLD offers require more flexible but still restrictive financial conditions. You must justify net monthly income of €1,200 to €1,500 depending on the chosen vehicle, maintain a debt ratio below 33% after subscription, and have no major banking incidents. A French bank account is also mandatory.

Your leasing application must include your last 3 payslips, latest tax notice, ID and driver’s license, recent proof of address, bank details for monthly payments, and a car insurance certificate. Professionals benefit from tax advantages: they can deduct lease payments and recover 100% VAT on electric vehicles.

The Real Cost of a No-Deposit Electric Car: Hidden Fees

Additional Fees in EV Leasing Contracts

Most “no-deposit” electric car offers hide an initial payment of €2,000 to €9,000. This misleading commercial practice turns a supposedly zero-down offer into disguised financing. Always check the amount of the first payment—true no-deposit offers have identical monthly payments.

Concrete examples reveal the extent of these practices: the Dacia Spring “€89/month” hides €4,000 upfront, while the MG4 “€149/month” hides €9,500. These amounts completely change the economics of the deal.

Beyond the first payment, several additional fees are added to the EV lease contract. Application fees range from €200 to €500 depending on the financing institution, vehicle setup costs €200 to €400, and a mandatory accessories pack including charging cables adds €300 to €800. Add the registration fee (€13.76 for EVs) and delivery fees that can reach €500 depending on distance.

Excess mileage is another financial trap, with rates from €0.08 to €0.15 per extra kilometer. A 5,000 km overage can cost €400 to €750, although some contracts allow buying extra kilometers at around €50 per 1,000 km.

Real Monthly Budget for a No-Deposit EV

In addition to the lease payment, several unavoidable costs apply to your electric vehicle. EV insurance is a major expense: expect €40 to €60/month for third-party coverage, or €70 to €100/month for comprehensive coverage recommended for LOA/LLD. A new value guarantee adds €15/month.

EV maintenance can be included in the contract for an extra €20 to €30/month. Without this option, budget €300 to €500/year. Battery charging costs vary depending on usage: €30 to €40/month for 1,000 km at home rates (€0.20/kWh), or €50 to €80/month for mixed public charging. Installing a wallbox costs €500 to €1,500 after subsidies.

In the end, a Dacia Spring at €100/month in social leasing costs €240–€320/month all-inclusive. This remains cheaper than an equivalent combustion vehicle thanks to substantial fuel savings.

New 2025 Incentives: The Ecological Bonus

Since July 1, 2025, the government’s ecological bonus has been replaced by the “electric vehicle boost” funded by Energy Savings Certificates (CEE). Energy providers now finance the incentive, not the State.
CEE aid amounts vary based on income: €4,200 for low-income households with a taxable income (RFR) below €16,300 per share, €4,200 also for middle-income households in deciles 1 to 5, and €3,100 for other households.
These incentives apply only to new electric vehicles under €47,000 that meet the environmental eco-score. Models manufactured in China, such as the Dacia Spring and MG4, are excluded from this aid.

LOA or LLD: Which Leasing Option Should You Choose for Your Electric Car?

LOA (Lease with Option to Buy) for Electric Vehicles

LOA allows you to purchase your electric car at the end of the contract through a purchase option set at signing, representing 10 to 30% of the new price. This leasing option is ideal if you plan to own the vehicle.
The advantages of a no-down-payment LOA include the possibility of owning the electric car, the ability to transfer the LOA contract, tax deductions for professional use, and a known residual value. However, electric LOA has drawbacks: higher monthly payments than LLD (10 to 20% more), a firm commitment for the full term, and refurbishment fees if the vehicle is returned.

LLD (Long-Term Lease) for Electric Vehicles

LLD offers the lowest monthly prices for a new electric car. This pure lease is ideal for regularly switching electric vehicles.
A no-down-payment LLD provides minimal monthly payments on electric vehicles, maintenance often included in the contract, easy renewal every 2 to 4 years, and no risk of vehicle depreciation. The downsides of electric LLD include no option to purchase, significant penalties for early termination (50–80% of remaining payments), and a detailed inspection of the vehicle upon return.

Frequently Asked Questions About No-Deposit EVs

Are there really €0 down EV offers?
Very few. Social leasing offers true zero-down deals from September 30, 2025. Most commercial offers hide a €2,000 to €9,000 initial payment.

What are the conditions for social EV leasing?
Taxable income < €15,400/share, commute >15 km or 8,000 km/year for work. Fixed monthly payments of €95 to €189 for 36 months. Insurance and charging not included.

What replaces the ecological bonus in 2025?
Since July 2025, CEE (Energy Savings Certificates) fund the aid. Energy providers pay €3,100 to €4,200 depending on income. Dealers deduct the aid directly from the price.

How much does excess mileage cost in EV leasing?
€0.08 to €0.15/km depending on the contract. A 5,000 km overage = €400 to €750. Some LOA/LLD contracts allow buying extra kilometers.

Can you terminate a lease early?
Early termination is expensive: 40–80% of remaining payments. For a 48-month LOA/LLD contract ended after 24 months, expect ~60% penalty.

Is maintenance included in EV leasing?
Varies by offer. Social leasing usually includes it. LOA/LLD offers it as a €15–€30/month option. Without it, budget €400/year.

What’s the total monthly budget for a no-deposit EV?
Add insurance (€60–€100), charging (€40–€80), maintenance (€15–€30). A €100/month lease = €240–€320/month all-inclusive.

LOA or LLD for an EV?
LLD is cheaper (15–20% less) and ideal for frequent changes. LOA suits long-term ownership. Both allow tax deductions for professional use.

Alternatives to No-Deposit Leasing for Your EV

Special EV Auto Loans
Banks offer discounted rates (1.5–2.5% APR) for EV purchases. With CEE aid (€3,100–€4,200), a new Citroën ë-C3 costs ~€250/month over 60 months. You own the vehicle.

Recent Used EVs in LOA
2022–2023 EVs are available in leasing at 30% less than new. A used Renault Zoe starts at €169/month, a used e-208 at €220/month. Batteries retain 85–90% capacity after 3 years.

Car Sharing for Occasional Use
For under 10,000 km/year, EV car sharing is economical: €0.25/min or €50/day, insurance and charging included. Ideal alongside public transport.

Charge Your EV Easily with Electra

Electra simplifies your daily charging. Our network includes over 400 ultra-fast stations in France, compatible with all EVs. Our chargers up to 400 kW deliver 80% charge in 20 minutes for compatible models. For a Spring EV, 15 minutes = 100 km range.