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The Best 0% Financing Deals

November 28, 2012

This week, I scoured through the incentives being offered by manufacturers to determine which brands are offering the best 0% financing deals. Suzuki, not surprisingly, is offering the best ones - 0% for up to 72 months. But keep in mind, they filed for bankruptcy earlier this month, so the value of the vehicles will be taking a hit when it comes time to sell later down the road.

I also included any cash-back incentives that are available as an alternative to the financing deals. In most cases, it's better to go with the cash rebate, especially since interest rates are so low right now. (See: How to Choose between 0% Financing and Cash Back)

Check out the full list below and make sure you use the free CarWoo Deal Finder when you're ready to get the best deal on your vehicle.

VehicleRateTermCash Rebate Alternative
2012 Suzuki Equator0.00%72$2,000
2012 Suzuki Grand Vitara0.00%72$1,500
2012 Suzuki Kizashi0.00%72$1,500
2012 Suzuki SX40.00%72$1,000
2012 Toyota Sequoia0.00%60$3,000
2012 Toyota Venza0.00%60 
2013 Smart fortwo0.00%60 
2013 Suzuki Grand Vitara0.00%48$500
2013 Suzuki Kizashi0.00%48$500
2013 Suzuki SX40.00%48$500
2012 Chrysler 2000.00%36$4,500
2012 Chrysler 3000.00%36$4,000
2012 Toyota Tundra0.00%36$4,000
2012 Chrysler Town and Country0.00%36$3,500
2012 Dodge Avenger0.00%36$3,500
2012 Dodge Journey0.00%36$3,500
2012 Mitsubishi Galant0.00%36$3,500
2012 Dodge Grand Caravan0.00%36$3,250
2012 Dodge Charger0.00%36$3,000
2012 Ford Expedition0.00%36$3,000
2012 Ford F-350 Super Duty0.00%36$3,000
2012 Ford Super Duty F-2500.00%36$3,000
2012 Ford Super Duty F-4500.00%36$3,000
2012 Lincoln Navigator0.00%36$3,000
2012 Toyota Avalon0.00%36$3,000
2013 Ford Taurus0.00%36$3,000
2012 Ford Flex0.00%36$2,750
2012 Dodge Challenger0.00%36$2,500
2012 Dodge Durango0.00%36$2,500
2012 Ford Fusion0.00%36$2,500
2012 Jeep Compass0.00%36$2,500
2012 Jeep Patriot0.00%36$2,500
2013 Ford Flex0.00%36$2,500
2013 Toyota Tundra0.00%36$2,500
2012 Ford E-1500.00%36$2,000
2012 Ford E-Series Van0.00%36$2,000
2012 Lincoln MKX0.00%36$2,000
2012 Lincoln MKZ0.00%36$2,000
2012 Toyota Highlander0.00%36$2,000
2013 Ford Expedition0.00%36$2,000
2012 Jeep Grand Cherokee0.00%36$1,500
2012 Mitsubishi Outlander0.00%36$1,500
2012 Mitsubishi Outlander Sport0.00%36$1,500
2012 Toyota Sienna0.00%36$1,500
2013 Dodge Durango0.00%36$1,500
2013 Fiat 5000.00%36$1,500
2013 Jeep Compass0.00%36$1,500
2013 Toyota Venza0.00%36$1,500
2012 Hyundai Veracruz0.00%36$1,000
2012 Lincoln MKT0.00%36$1,000
2012 Mitsubishi Eclipse0.00%36$1,000
2012 Mitsubishi Eclipse Spyder0.00%36$1,000
2012 Mitsubishi Lancer0.00%36$1,000
2012 Mitsubishi Lancer Sportback0.00%36$1,000
2012 Toyota Camry0.00%36$1,000
2012 Toyota RAV40.00%36$1,000
2013 Toyota Corolla0.00%36$1,000
2013 Toyota Sienna0.00%36$1,000
2012 Dodge Caliber0.00%36$500
2012 Hyundai Santa Fe0.00%36$500
2013 Toyota Highlander0.00%36$500
2013 Toyota Tacoma0.00%36$500
2012 Hyundai Elantra Touring0.00%36 
2012 Hyundai Genesis0.00%36 
2012 Hyundai Sonata0.00%36 
2012 Hyundai Sonata Hybrid0.00%36 
2012 Hyundai Tucson0.00%36 
2012 Jeep Wrangler0.00%36 
2012 Mitsubishi Lancer Evolution0.00%36 
2012 Mitsubishi i-MiEV0.00%36 
2012 Toyota Corolla0.00%36 
2012 Toyota Prius Plug-in0.00%36 
2012 Toyota Prius V0.00%36 
2013 Lincoln MKS0.00%36 
2013 Lincoln MKT0.00%36 
2013 Mitsubishi Lancer0.00%36 
2013 Mitsubishi Lancer Evolution0.00%36 
2013 Mitsubishi Lancer Sportback0.00%36 
2013 Mitsubishi Outlander0.00%36 
2013 Mitsubishi Outlander Sport0.00%36

My Recommendation for Car Shoppers

TrueCar No-Haggle and Edmunds Price Promise are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you - and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.

California Residents - Important:

There is a new online car buying service called Roadster, available only to California residents, which I highly recommend you try - especially if you hate the stress of haggling with a car salesman. They provide an expert concierge who negotiates the price of the car and delivers it to your home with zero hassle - you never have to interact with a dealership. Here is my in-depth review of Roadster and why I recommend it.

- Gregg Fidan

Gregg Fidan

About: Gregg Fidan


Gregg Fidan + is the founder of RealCarTips. After being ripped off on his first car purchase, he devoted several years to figuring out the best ways to avoid scams and negotiate the best car deals. He has written hundreds of articles on the subject of car buying and taught thousands of car shoppers how to get the best deals.

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