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Best 0% Finance Deals

December 13, 2018

This week, I updated the list of best 0% finance deals on new cars. As interest rates have risen, it's becoming harder and harder to find 0% finance deals such as these. The list below includes bonus cash you can get on top of zero percent - up to $7,250 in some cases. Ford is the manufacturer offering the best overall financing terms - up to 72 months at 0% interest plus some cash back on several models.

The average APR rate for a 60-month new car loan right now is around 5.5%. Using this figure, a 60-month, 0% deal will save you around $4,400 in interest for a vehicle costing $30,000.

Check out the full list below. For even more savings, I highly recommend using TrueCar No Haggle and Edmunds Price Promise to see the lowest prices being offered in your area.

Best 0% Finance Deals

Vehicle APR Term APR Rate Plus Cash Back
2018 Fiat 500e 72 0% $7,250
2018 Ford Fusion Energi 72 0% $3,000
2018 Maserati Ghibli 72 0% $3,000
2018 Ford F-150 72 0% $2,500
2018 Lincoln MKX 72 0% $2,250
2018 Ford Transit Connect 72 0% $2,250
2018 Ford Fusion 72 0% $2,000
2018 Ford Mustang 72 0% $1,000
2018 Ford Focus 72 0% $1,000
2018 Hyundai Elantra 72 0% $1,000
2018 Mitsubishi Eclipse Cross 72 0% $1,000
2019 Ram 1500 72 0% $0
2018 Ram 1500 72 0% $0
2019 Toyota Tundra 72 0% $0
2018 GMC Sierra 1500 72 0% $0
2018 Toyota Tundra 72 0% $0
2018 Toyota Sienna 72 0% $0
2018 Kia Stinger 66 0% $1,000
2018 Kia Niro 66 0% $0
2018 Kia Optima 66 0% $0
2018 Kia Sedona 66 0% $0
2018 Kia Cadenza 66 0% $0
2018 Subaru Legacy 63 0% $0
2018 Subaru Impreza 63 0% $0
2018 Lincoln MKC 60 0% $2,500
2018 Lincoln MKZ 60 0% $2,500
2018 Ford C-MAX 60 0% $2,250
2018 Lincoln MKT 60 0% $2,000
2019 Ford Fusion Energi 60 0% $2,000
2018 Ford Escape 60 0% $1,500
2018 Lincoln Continental 60 0% $1,500
2018 Ford Explorer 60 0% $1,500
2018 Ford Edge 60 0% $1,500
2018 Ford Expedition 60 0% $1,250
2018 Hyundai Santa Fe Sport 60 0% $1,000
2018 Nissan Armada 60 0% $1,000
2018 Toyota RAV4 60 0% $1,000
2018 Ford EcoSport 60 0% $1,000
2019 Jeep Cherokee 60 0% $1,000
2018 Nissan LEAF 60 0% $1,000
2018 Volkswagen Tiguan Limited 60 0% $1,000
2018 Hyundai Sonata 60 0% $1,000
2018 Toyota Highlander 60 0% $1,000
2019 Kia Sorento 60 0% $500
2018 Hyundai Accent 60 0% $500
2019 Toyota Highlander 60 0% $500
2019 Toyota Corolla 60 0% $500
2019 Nissan Rogue 60 0% $500
2018 Nissan Rogue 60 0% $500
2018 Nissan Maxima 60 0% $0
2018 Nissan Sentra 60 0% $0
2019 Kia Soul 60 0% $0
2018.5 Infiniti QX30 60 0% $0
2018 Hyundai Ioniq 60 0% $0
2018 Infiniti QX30 60 0% $0
2018 Lexus RC 60 0% $0
2018 Nissan Titan XD 60 0% $0
2019 Ford Fusion 60 0% $0
2018 Jeep Compass 60 0% $0
2018 Lexus LS 60 0% $0
2018 Kia Soul EV 60 0% $0
2019 Kia Optima 60 0% $0
2018 Nissan Altima 60 0% $0
2019 Kia Sportage 60 0% $0
2018 Nissan Versa 60 0% $0
2018 Maserati Levante 60 0% $0
2018 Lexus RXL 60 0% $0
2018 Nissan Titan 60 0% $0
2018 Lexus GS 60 0% $0
2018 Nissan Pathfinder 60 0% $0
2018 Toyota Camry 60 0% $0
2019 Kia Forte 60 0% $0
2019 Nissan Sentra 60 0% $0
2019 Kia Niro 60 0% $0
2018 Toyota Prius 60 0% $0
2018 GMC Terrain 60 0% $0
2019 Toyota C-HR 60 0% $0
2018 Lexus RX 60 0% $0
2018 Ford Fiesta 60 0% $0
2018 Lexus IS 60 0% $0
2018 Nissan Murano 60 0% $0
2018 Nissan Rogue Sport 60 0% $0
2019 Lincoln MKT 48 0% $2,000
2018 Ford Flex 48 0% $1,500
2019 Lincoln MKC 48 0% $1,250
2018 Mitsubishi Mirage G4 48 0% $1,250
2018 Mitsubishi Mirage 48 0% $750
2019 Hyundai Santa Fe 48 0% $750
2019 Hyundai Sonata 48 0% $750
2018 Hyundai Tucson 48 0% $500
2019 Lincoln MKZ 48 0% $500
2019 Hyundai Accent 48 0% $500
2019 Ford Edge 48 0% $500
2019 Mitsubishi Mirage 48 0% $0
2018 Toyota Prius c 48 0% $0
2019 Mitsubishi Outlander 48 0% $0
2019 Mitsubishi Mirage G4 48 0% $0
2019 Mitsubishi Outlander Sport 48 0% $0
2019 Mitsubishi Eclipse Cross 48 0% $0
2018 Cadillac XTS 36 0% $5,000

My Recommendation for Car Shoppers

TrueCar, Edmunds, and 1-800 Car Show 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.
- Gregg Fidan

Each week, I'll keep you up-to-date on the latest car deals and news that might affect your purchase. This includes...
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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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