Best 0% Finance Deals January 2026
This week, I updated the list of best 0% finance deals on new cars. Interest rates have been going up in recent months, which means manufacturers have cut back on offering 0% financing deals. However, for April we are seeing a large number of manufacturers offering zero percent finance deals, some like Volkswagen, Ford, Dodge and Jeep are all offering 0% for up to 72 months plus cash back on top of that! Hyundai, Nissan, Ford and Lincoln are all offering 0% for 60 months.
The average APR rate for a 60-month new car loan has risen to 6-9% for those with good credit. Using this figure, a 60-month, 0% deal will save you around $4,000 in interest for
a vehicle costing $40,000.
Check out the full list below. For even more savings, I highly recommend using TrueCar No Haggle and CarsDirect to see the lowest prices being offered in your area.
Best 0% Finance Deals
| Vehicle | APR Term | APR Rate | Plus Cash Back | Get Price |
|---|---|---|---|---|
| 2025 Toyota Mirai | 72 | 0% | + $35,000 | |
| 2025 Ford F-150 Lightning | 72 | 0% | + $6,000 | |
| 2026 Toyota bZ | 72 | 0% | + $6,000 | |
| 2025 Ford Mach-E | 72 | 0% | + $5,000 | |
| 2025 Kia Niro EV | 72 | 0% | + $3,500 | |
| 2025 Kia EV6 | 72 | 0% | + $3,500 | |
| 2026 Hyundai Ioniq 9 | 72 | 0% | + $3,000 | |
| 2026 Lexus RZ | 72 | 0% | + $3,000 | |
| 2026 Hyundai Ioniq 5 | 72 | 0% | + $1,000 | |
| 2025 Dodge Charger | 72 | 0% | ||
| 2025 Jeep Wagoneer S | 72 | 0% | ||
| 2025 Mitsubishi Outlander PHEV | 72 | 0% | ||
| 2025 Ram 1500 | 72 | 0% | ||
| 2026 Subaru Solterra | 72 | 0% | ||
| 2025 Subaru WRX | 72 | 0% | ||
| 2025 Volvo EX90 | 72 | 0% | + $0 | |
| 2026 Kia EV9 | 60 | 0% | + $3,500 | |
| 2025 Toyota Tundra | 60 | 0% | + $1,000 | |
| 2025 Toyota Tundra | 60 | 0% | + $1,000 | |
| 2025 Chevrolet Silverado EV | 60 | 0% | ||
| 2025 Chevrolet Blazer EV | 60 | 0% | ||
| 2025 Ford F-450 | 60 | 0% | ||
| 2025 Ford F-350 | 60 | 0% | ||
| 2025 Ford F-250 | 60 | 0% | ||
| 2026 Genesis GV70 | 60 | 0% | ||
| 2026 Genesis GV60 | 60 | 0% | ||
| 2025 Honda Prologue | 60 | 0% | ||
| 2025 Hyundai Tucson | 60 | 0% | ||
| 2025 Hyundai Tucson | 60 | 0% | ||
| 2025 Hyundai Santa Fe | 60 | 0% | ||
| 2025 Hyundai Santa Fe | 60 | 0% | ||
| 2025 Hyundai Palisade | 60 | 0% | ||
| 2025 Hyundai Ioniq 6 | 60 | 0% | ||
| 2025 Hyundai Ioniq 5 | 60 | 0% | ||
| 2025 Kia Sportage | 60 | 0% | ||
| 2025 Kia Sorento | 60 | 0% | ||
| 2025 Kia Sorento | 60 | 0% | ||
| 2025 Kia Sorento | 60 | 0% | ||
| 2025 Kia Niro | 60 | 0% | ||
| 2025 Kia Niro | 60 | 0% | ||
| 2025 Mitsubishi Outlander | 60 | 0% | ||
| 2026 Nissan Rogue | 60 | 0% | ||
| 2026 Nissan Murano | 60 | 0% | ||
| 2025 Nissan Pathfinder | 60 | 0% | ||
| 2025 Nissan Murano | 60 | 0% | ||
| 2025 Lincoln Nautilus | 48 | 0% | + $1,000 | |
| 2025 Lincoln Corsair | 48 | 0% | + $1,000 | |
| 2025 Lincoln Aviator | 48 | 0% | + $1,000 | |
| 2026 Kia Sportage | 48 | 0% | ||
| 2026 Kia Sorento | 48 | 0% | ||
| 2026 Kia Sorento | 48 | 0% | ||
| 2026 Kia Sorento | 48 | 0% | ||
| 2025 Kia Telluride | 48 | 0% | ||
| 2026 Lincoln Nautilus | 48 | 0% | ||
| 2026 Lincoln Corsair | 48 | 0% | ||
| 2026 GMC Sierra 1500 | 36 | 0% | ||
| 2025 GMC Sierra 1500 | 36 | 0% | ||
| 2025 GMC HUMMER EV SUV | 36 | 0% | ||
| 2025 GMC HUMMER EV Pickup | 36 | 0% | ||
| 2026 Infiniti QX80 | 36 | 0% | ||
| 2025 Infiniti QX55 | 36 | 0% | ||
| 2025 Infiniti QX50 | 36 | 0% | ||
| 2025 Subaru Outback | 36 | 0% |
Each week, I'll keep you up-to-date on the latest car deals and news that might affect your purchase. This includes...
- Best Rebates, Incentives, and Lease Deals
- Latest Car Buying Scams and Tricks
- The Best & Worst Time to Buy a Car
- Which Cars You Should Avoid
About The Author
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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