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Best 0% Finance Deals

July 19, 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 $4,000 in some cases. Ford is now offering the best financing terms - up to 72 months at 0% interest plus $3,000 cash back on the 2017 Ford Fusion Energi.

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 Ford Fusion Energi 72 0% $3,000
2018 Ford Fusion Energi 72 0% $3,000
2018 Ford Fusion Hybrid 72 0% $3,000
2018 Maserati Ghibli 72 0% $3,000
2018 Ford Focus Electric 72 0% $2,500
2018 Ford Fusion Hybrid 72 0% $2,500
2018 Nissan LEAF 72 0% $2,000
2018 Buick Encore 72 0% $1,800
2018 GMC Sierra 1500 72 0% $1,000
2018 Hyundai Elantra 72 0% $1,000
2018 GMC Sierra 1500 72 0% $500
2018 Mitsubishi Outlander 72 0% $500
2018 Mitsubishi Outlander Sport 72 0% $500
2018 GMC Terrain 72 0% $300
2017 Mitsubishi Outlander Sport 72 0% $0
2017 Volkswagen Tiguan Limited 72 0% $0
2018 Chevrolet Equinox 72 0% $0
2018 Chevrolet Silverado 1500 72 0% $0
2018 Ford Fusion 72 0% $0
2018 Infiniti Q50 72 0% $0
2018 Kia Optima 72 0% $0
2018 Kia Sorento 72 0% $0
2018 Kia Sportage 72 0% $0
2018 Lexus ES 72 0% $0
2018 Lexus ES HYBRID 72 0% $0
2018 Lexus IS 72 0% $0
2018 Mitsubishi Eclipse Cross 72 0% $0
2018 Nissan LEAF 72 0% $0
2018 Ram Ram 1500 72 0% $0
2018 Volkswagen Tiguan Limited 72 0% $0
2018 Kia Cadenza 66 0% $0
2018 Kia Forte 66 0% $0
2018 Kia Forte5 66 0% $0
2018 Kia Niro 66 0% $0
2018 Kia Optima 66 0% $0
2018 Kia Optima Hybrid 66 0% $0
2018 Kia Sedona 66 0% $0
2018 Kia Sorento 66 0% $0
2018 Kia Soul 66 0% $0
2018 Kia Sportage 66 0% $0
2019 Kia Sorento 66 0% $0
2018 Subaru Impreza 63 0% $0
2018 Subaru Legacy 63 0% $0
2018 Lincoln MKC 60 0% $4,000
2018 Ford F-150 60 0% $3,300
2018 Lincoln MKC 60 0% $3,300
2017 Ford C-MAX 60 0% $3,000
2017 Ford Fusion Energi 60 0% $3,000
2018 Ford Fusion Energi 60 0% $3,000
2018 Ford Fusion Hybrid 60 0% $3,000
2018 Lincoln MKC 60 0% $3,000
2017 Ford Fusion Energi 60 0% $2,500
2018 Ford F-150 60 0% $2,500
2018 Ford Focus Electric 60 0% $2,500
2018 Ford Fusion Energi 60 0% $2,500
2018 Ford Fusion Hybrid 60 0% $2,500
2018 Lincoln MKC 60 0% $2,500
2018 Lincoln MKX 60 0% $2,500
2018 Lincoln MKZ 60 0% $2,500
2018 Ford C-MAX 60 0% $2,300
2018 Lincoln Continental 60 0% $2,300
2018 Ford F-150 60 0% $2,100
2018 Cadillac Ats coupe 60 0% $2,000
2018 Cadillac Ats sedan 60 0% $2,000
2018 Cadillac Ats-v coupe 60 0% $2,000
2018 Cadillac Ats-v sedan 60 0% $2,000
2018 Cadillac Ct6 sedan 60 0% $2,000
2018 Cadillac Cts sedan 60 0% $2,000
2018 Cadillac Cts-v sedan 60 0% $2,000
2018 Cadillac Escalade 60 0% $2,000
2018 Cadillac Escalade esv 60 0% $2,000
2018 Cadillac Xt5 crossover 60 0% $2,000
2018 Cadillac Xts sedan 60 0% $2,000
2018 Ford EcoSport 60 0% $2,000
2018 Ford Fusion 60 0% $2,000
2018 Lincoln MKC 60 0% $2,000
2018 Lincoln MKT 60 0% $2,000
2018 Lincoln MKZ 60 0% $2,000
2018 Ford F-150 60 0% $1,800
2018 Ford F-150 60 0% $1,500
2018 Lincoln Continental 60 0% $1,500
2018 Lincoln MKX 60 0% $1,500
2018 Lincoln MKZ 60 0% $1,500
2018 Ford F-150 60 0% $1,300
2018 Ford EcoSport 60 0% $1,000
2018 Ford Edge 60 0% $1,000
2018 Ford Escape 60 0% $1,000
2018 Ford Explorer 60 0% $1,000
2018 Ford F-150 60 0% $1,000
2018 Hyundai Elantra 60 0% $1,000
2018 Hyundai Santa Fe Sport 60 0% $1,000
2018 Hyundai Sonata 60 0% $1,000
2018 Lincoln MKX 60 0% $1,000
2018 Lincoln MKZ 60 0% $1,000
2019 Jeep Cherokee 60 0% $1,000
2017 Ford Focus 60 0% $500
2018 Buick Envision 60 0% $500
2018 Ford F-150 60 0% $500
2018 Mazda CX-9 60 0% $500
2018 Mazda Mazda3 Hatchback 60 0% $500
2018 Mazda Mazda3 Sedan 60 0% $500
2018 Nissan ALTIMA 60 0% $500
2017 Chrysler Chrysler Pacifica 60 0% $0
2017 Ford Fiesta 60 0% $0
2017 Ford Focus 60 0% $0
2017 Mazda CX-5 60 0% $0
2017 Volkswagen e-Golf 60 0% $0
2018 Chevrolet Equinox 60 0% $0
2018 Ford Fiesta 60 0% $0
2018 Ford Focus 60 0% $0
2018 Ford Fusion 60 0% $0
2018 GMC Terrain 60 0% $0
2018 Hyundai Accent 60 0% $0
2018 Hyundai Ioniq Hybrid 60 0% $0
2018 Hyundai Ioniq Plug In Hybrid 60 0% $0
2018 Infiniti QX30 60 0% $0
2018 Jeep Compass 60 0% $0
2018 Kia Cadenza 60 0% $0
2018 Kia Forte 60 0% $0
2018 Kia Forte5 60 0% $0
2018 Kia Niro 60 0% $0
2018 Kia Optima 60 0% $0
2018 Kia Optima Hybrid 60 0% $0
2018 Kia Rio 60 0% $0
2018 Kia Rio 5-Door 60 0% $0
2018 Kia Sedona 60 0% $0
2018 Kia Sorento 60 0% $0
2018 Kia Soul 60 0% $0
2018 Kia Sportage 60 0% $0
2018 Maserati Levante 60 0% $0
2018 Mazda CX-3 60 0% $0
2018 Mazda CX-5 60 0% $0
2018 Mazda CX-9 60 0% $0
2018 Mazda Mazda3 Hatchback 60 0% $0
2018 Mazda Mazda3 Sedan 60 0% $0
2018 Mazda Mazda6 60 0% $0
2018 Mitsubishi Outlander PHEV 60 0% $0
2018 Nissan ALTIMA 60 0% $0
2018 Nissan Armada 60 0% $0
2018 Nissan Maxima 60 0% $0
2018 Nissan Murano 60 0% $0
2018 Nissan Pathfinder 60 0% $0
2018 Nissan Rogue 60 0% $0
2018 Nissan Rogue Sport 60 0% $0
2018 Nissan Sentra 60 0% $0
2018 Nissan Titan 60 0% $0
2018 Nissan Titan XD 60 0% $0
2018 Nissan Versa 60 0% $0
2018 Toyota C-HR 60 0% $0
2018 Toyota Corolla 60 0% $0
2018 Toyota Corolla iM 60 0% $0
2018 Toyota RAV4 60 0% $0
2018 Toyota RAV4 Hybrid 60 0% $0
2018 Toyota Sienna 60 0% $0
2018 Toyota Tundra 60 0% $0
2018 Volkswagen Passat 60 0% $0
2019 Kia Sorento 60 0% $0
2019 Kia Soul 60 0% $0
2019 Kia Sportage 60 0% $0

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

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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