Best 0% Finance Deals July 2026
This week, I updated the list of best 0% finance deals on new cars. Interest rates have gone up considerably compared to a couple of years ago, and at first we saw manufacturers cutting back on offering 0% financing deals. However, for July 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.
I've included deals under 2% as well. 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 Ford Mach-E Electric | 74 | 0% | $6,000 | |
| 2026 Toyota Mirai Hydrogen | 72 | 0% | $35,000 | |
| 2026 Hyundai Ioniq 9 Electric | 72 | 0% | $3,000 | |
| 2026 Toyota bZ Electric | 72 | 0% | $2,500 | |
| 2026 Subaru Trailseeker Electric | 72 | 0% | $1,500 | |
| 2026 Subaru Uncharted Electric | 72 | 0% | $1,500 | |
| 2026 Hyundai Ioniq 5 Electric | 72 | 0% | $1,000 | |
| 2026 Toyota bZ Woodland Electric | 72 | 0% | $500 | |
| 2025 Hyundai Palisade | 72 | 0% | $0 | |
| 2025 Jeep Wagoneer Electric | 72 | 0% | $0 | |
| 2026 Mazda CX-70 Plug-in Hybrid | 72 | 0% | $0 | |
| 2026 Mazda CX-90 Plug-in Hybrid | 72 | 0% | $0 | |
| 2026 Mitsubishi Outlander | 72 | 0% | $0 | |
| 2026 Tesla Model Y Electric | 72 | 0% | $0 | |
| 2026 Polestar 4 Electric | 60 | 0% | $18,000 | |
| 2026 Hyundai Santa Fe Hybrid | 60 | 0% | $1,500 | |
| 2025 Toyota Tundra Hybrid | 60 | 0% | $1,000 | |
| 2025 Chevrolet Blazer Electric | 60 | 0% | $0 | |
| 2026 Chevrolet Silverado 1500 | 60 | 0% | $0 | |
| 2025 Chevrolet Silverado EV Electric | 60 | 0% | $0 | |
| 2026 Genesis GV60 Electric | 60 | 0% | $0 | |
| 2026 Genesis GV70 Electric | 60 | 0% | $0 | |
| 2025 Hyundai Ioniq 6 Electric | 60 | 0% | $0 | |
| 2026 Hyundai Tucson | 60 | 0% | $0 | |
| 2026 Infiniti QX60 | 60 | 0% | $0 | |
| 2026 Infiniti QX80 | 60 | 0% | $0 | |
| 2026 Nissan Frontier | 60 | 0% | $0 | |
| 2026 Nissan Murano | 60 | 0% | $0 | |
| 2026 Nissan Pathfinder | 60 | 0% | $0 | |
| 2026 Nissan Rogue | 60 | 0% | $0 | |
| 2026 Ram 1500 | 60 | 0% | $0 | |
| 2026 Subaru Solterra Electric | 48 | 0% | $1,500 | |
| 2026 Lincoln Aviator | 48 | 0% | $1,000 | |
| 2026 Lincoln Nautilus | 48 | 0% | $1,000 | |
| 2026 Ford F-150 | 37 | 0% | $2,000 | |
| 2026 Ford Bronco | 37 | 0% | $1,500 | |
| 2026 Ford Escape | 37 | 0% | $1,500 | |
| 2026 Ford Explorer | 37 | 0% | $1,500 | |
| 2026 Ford Mustang | 37 | 0% | $1,500 | |
| 2026 Ford F-250 | 37 | 0% | $1,000 | |
| 2026 Ford F-350 | 37 | 0% | $1,000 | |
| 2026 Ford Ranger | 37 | 0% | $1,000 | |
| 2026 Lincoln Navigator | 36 | 0% | $1,000 | |
| 2026 Chevrolet Equinox | 36 | 0% | $0 | |
| 2026 Chevrolet Trax | 36 | 0% | $0 | |
| 2026 Chrysler Pacifica | 36 | 0% | $0 | |
| 2026 Dodge Durango | 36 | 0% | $0 | |
| 2026 GMC HUMMER EV Pickup Electric | 36 | 0% | $0 | |
| 2026 GMC HUMMER EV Electric | 36 | 0% | $0 | |
| 2026 GMC Sierra 1500 | 36 | 0% | $0 | |
| 2026 Jeep Gladiator | 36 | 0% | $0 | |
| 2026 Jeep Grand Cherokee | 36 | 0% | $0 | |
| 2026 Jeep Wrangler | 36 | 0% | $0 | |
| 2026 Mazda CX-30 | 36 | 0% | $0 | |
| 2026 Mazda CX-5 | 36 | 0% | $0 | |
| 2026 Mazda CX-50 Hybrid | 36 | 0% | $0 | |
| 2026 Mazda Mazda3 | 36 | 0% | $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.
Latest Weekly Car Buying Tips
July 2026
- Best 0% Finance Deals July 2026 Jul 09, 2026
- Best Bang for Your Buck Lease Deals Jul 09, 2026
- Best Electric, Hybrid Lease Deals Jul 09, 2026
- Real Prices of Large SUVs Jul 09, 2026
June 2026
- All SUV Lease Deals Compared July 2026 Jun 25, 2026
- New Cars with the Most Available Inventory Jun 25, 2026
- Real Prices of Compact Cars Jun 25, 2026
- Cheapest Luxury Lease Deals Jun 25, 2026
- Top 100 Cheapest Lease Deals Jun 18, 2026
- Biggest Discounts on New Cars June 2026 Jun 18, 2026
- Top 100 Cheapest New Cars Right Now Jun 18, 2026
- Price Comparison of Subcompact SUVs Jun 18, 2026
- Real Prices of Midsize SUVs Jun 04, 2026
