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Best 0% Finance Deals

January 9, 2020

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 $5,000 in some cases. GM and Ford are the manufacturers offering the best overall financing terms this month - 0% for 72 months plus some cash back on several Chevrolet and Lincoln models.

The average APR rate for a 60-month new car loan right now is around 5%. Using this figure, a 60-month, 0% deal will save you around $4,000 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 RydeShopper to see the lowest prices being offered in your area.

Best 0% Finance Deals

Vehicle APR Term APR Rate Plus Cash Back
2020 Chevrolet Bolt 72 0% $5,000
2019 Chevrolet Bolt 72 0% $5,000
2019 Chevrolet Silverado 1500 LD 72 0% $3,000
2019 GMC Sierra 1500 limited 72 0% $2,000
2020 Lincoln MKZ 72 0% $2,000
2019 Chevrolet Trax 72 0% $1,500
2019 Chevrolet Traverse 72 0% $1,500
2019 Ford Expedition 72 0% $1,250
2019 Buick Regal Sportback 72 0% $1,000
2019 Hyundai Tucson 72 0% $1,000
2019 Buick Regal TourX 72 0% $1,000
2019 Kia Sorento 72 0% $1,000
2019 Buick Lacrosse 72 0% $1,000
2019 Chevrolet Equinox 72 0% $750
2020 Chevrolet Trax 72 0% $500
2019 Buick Encore 72 0% $500
2019 Hyundai Elantra 72 0% $500
2020 Chevrolet Equinox 72 0% $500
2019 Hyundai Santa Fe 72 0% $500
2019 GMC Terrain 72 0% $500
2019 GMC Canyon 72 0% $500
2019 GMC Acadia 72 0% $250
2020 GMC Acadia 72 0% $0
2020 Buick Envision 72 0% $0
2019 Chevrolet Express Passenger 72 0% $0
2019 Kia Cadenza 72 0% $0
2019 GMC Yukon XL 72 0% $0
2019 Chevrolet Silverado 1500 72 0% $0
2019 GMC Yukon 72 0% $0
2019 Maserati Levante 72 0% $0
2020 Hyundai Elantra 72 0% $0
2019 GMC Sierra 3500 hd 72 0% $0
2020 Buick Encore 72 0% $0
2019 Chevrolet Express Cargo 72 0% $0
2019 Kia Stinger 72 0% $0
2020 Chevrolet Express Passenger 72 0% $0
2019 Maserati GranTurismo 72 0% $0
2019 Maserati Ghibli 72 0% $0
2019 GMC Sierra 2500 hd 72 0% $0
2019 Nissan Titan XD 72 0% $0
2020 GMC Terrain 72 0% $0
2020 Buick Enclave 72 0% $0
2019 Kia K900 72 0% $0
2020 Chevrolet Express Cargo 72 0% $0
2020 GMC Sierra 1500 72 0% $0
2019 Ford Mustang 72 0% $0
2019 Maserati Quattroporte 72 0% $0
2019 Toyota Prius 72 0% $0
2019 Nissan Titan 72 0% $0
2020 Toyota Tundra 72 0% $0
2020 Ford EcoSport 60 0% $3,000
2019 Ford EcoSport 60 0% $3,000
2019 Lincoln Continental 60 0% $3,000
2019 Ford Edge 60 0% $2,500
2020 Chrysler Pacifica 60 0% $2,000
2019 Lincoln Nautilus 60 0% $2,000
2020 Cadillac XT6 60 0% $1,500
2020 Cadillac XT4 60 0% $1,500
2019 Nissan Sentra 60 0% $1,500
2019 Nissan Rogue Sport 60 0% $1,000
2020 Nissan Rogue 60 0% $1,000
2019 Nissan LEAF 60 0% $1,000
2019 Ford Escape 60 0% $1,000
2019 Ford Fusion Energi 60 0% $1,000
2019 Ram 1500 60 0% $1,000
2019 Ford Flex 60 0% $1,000
2019 Ford Fusion 60 0% $1,000
2019 Lincoln MKC 60 0% $750
2020 Ford Fusion 60 0% $750
2019 Hyundai Kona 60 0% $500
2019 Lincoln MKZ 60 0% $500
2019 Hyundai Sonata 60 0% $500
2020 Kia Forte 60 0% $500
2019 Lincoln MKT 48 0% $1,500
2020 Ford Explorer 48 0% $1,500
2020 Ford Fusion Energi 48 0% $750
2020 Lincoln Continental 48 0% $500
2019 Dodge Challenger 36 0% $4,000
2020 Chrysler 300 36 0% $3,250
2019 Nissan Pathfinder 36 0% $3,000
2019 Dodge Charger 36 0% $2,500
2020 Jeep Cherokee 36 0% $2,500
2019 Nissan Murano 36 0% $2,250
2020 Jeep Renegade 36 0% $2,250
2020 Nissan Murano 36 0% $2,250
2020 Jeep Compass 36 0% $2,250
2020 Nissan Altima 36 0% $2,000
2020 Dodge Durango 36 0% $2,000
2020 Nissan Armada 36 0% $2,000
2019 Dodge Journey 36 0% $2,000
2019 Jeep Renegade 36 0% $1,750
2020 Jeep Grand Cherokee 36 0% $1,750
2020 Dodge Challenger 36 0% $1,250
2019 Dodge Grand Caravan 36 0% $1,000
2020 Nissan Rogue Sport 36 0% $1,000
2020 Dodge Charger 36 0% $1,000
2020 Nissan Pathfinder 36 0% $1,000
2020 Chrysler Voyager 36 0% $750

My Recommendation for Car Shoppers

TrueCar and RydeShopper 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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