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Best 0% Finance Deals

June 21, 2018

This week, I updated the list of best 0% finance deals on new cars. The list now includes bonus cash you can get on top of zero percent - up to $4,300. Lincoln is now offering the best financing terms - up to 72 months at 0% interest plus $4,300 cash back on the 2017 MKC.

The average APR rate for a 60-month new car loan right now is around 4.5%. Using this figure, a 60-month, 0% deal will save you around $3,850 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
2017 Lincoln MKC 72 0% $4,300
2017 Lincoln MKX 72 0% $3,800
2017 Lincoln MKZ 72 0% $3,800
2017 Lincoln MKZ 72 0% $3,500
2017 Ford Focus Electric 72 0% $3,400
2018 Ford F-150 72 0% $3,000
2018 Ford Fusion Hybrid 72 0% $3,000
2018 Ford Fusion Energi 72 0% $3,000
2017 Ford Fusion Energi 72 0% $3,000
2018 Ford Taurus 72 0% $2,500
2017 Ford Fusion 72 0% $2,500
2017 Ford Edge 72 0% $2,500
2018 Ford Focus Electric 72 0% $2,500
2017 Lincoln Continental 72 0% $2,500
2018 Ford C-MAX Hybrid 72 0% $2,300
2018 Ford Fusion 72 0% $2,000
2017 Ford C-MAX Energi 72 0% $2,000
2018 Cadillac Xts sedan 72 0% $2,000
2017 Ford Edge 72 0% $2,000
2018 Nissan LEAF 72 0% $2,000
2018 GMC Sierra 1500 72 0% $1,000
2017 Ford Fusion 72 0% $1,000
2018 Ford Escape 72 0% $1,000
2018 Hyundai Elantra 72 0% $1,000
2018 Ford Explorer 72 0% $1,000
2017 Hyundai Veloster 72 0% $1,000
2017 Toyota Prius Prime 72 0% $500
2018 Nissan LEAF 72 0% $0
2017 Volkswagen Tiguan Limited 72 0% $0
2018 Toyota Avalon 72 0% $0
2017 Lincoln MKZ 72 0% $0
2017 Mitsubishi Outlander Sport 72 0% $0
2018 Mitsubishi Outlander Sport 72 0% $0
2017 Ram Ram 1500 72 0% $0
2018 Ford Fiesta 72 0% $0
2018 Lexus ES 72 0% $0
2018 Toyota Avalon Hybrid 72 0% $0
2018 Infiniti Q50 72 0% $0
2017 Nissan Titan XD 72 0% $0
2018 Volkswagen Tiguan Limited 72 0% $0
2017 Jeep Renegade 72 0% $0
2017 Nissan Titan 72 0% $0
2018 Mitsubishi Outlander 72 0% $0
2018 Mitsubishi Eclipse Cross 72 0% $0
2018 Ford Focus 72 0% $0
2018 Lexus ES HYBRID 72 0% $0
2018 Maserati Ghibli 72 0% $0
2018 Lexus IS 72 0% $0
2017 Lincoln MKC 72 0% $0
2018 Kia Sorento 66 0% $1,500
2018 Kia Optima 66 0% $1,500
2018 Kia Sorento 66 0% $800
2018 Kia Sportage 66 0% $800
2018 Kia Optima 66 0% $800
2018 Kia Forte5 66 0% $500
2018 Kia Soul 66 0% $500
2018 Kia Forte 66 0% $500
2018 Kia Optima Hybrid 66 0% $0
2018 Kia Sedona 66 0% $0
2018 Kia Sportage 66 0% $0
2018 Kia Niro 66 0% $0
2018 Kia Soul 66 0% $0
2018 Kia Forte5 66 0% $0
2018 Kia Forte 66 0% $0
2018 Subaru Legacy 63 0% $0
2017 Ford Explorer 60 0% $4,300
2017 Lincoln MKC 60 0% $4,300
2017 Ford Explorer 60 0% $4,000
2017 Lincoln MKZ 60 0% $3,800
2017 Lincoln MKX 60 0% $3,800
2017 Lincoln MKZ 60 0% $3,500
2017 Lincoln MKC 60 0% $3,500
2018 Lincoln MKC 60 0% $3,500
2017 Ford Focus Electric 60 0% $3,400
2017 Ford Focus 60 0% $3,400
2017 Ford Explorer 60 0% $3,300
2018 Lincoln MKC 60 0% $3,300
2017 Ford Taurus 60 0% $3,300
2017 Lincoln MKZ 60 0% $3,000
2018 Ford Fusion Hybrid 60 0% $3,000
2018 Ford Fusion 60 0% $3,000

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.

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

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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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