RealCarTips Logo

Best 0% Finance Deals January 2021

February 4, 2021

This week, I updated the list of best 0% finance deals on new cars. Interest rates are at all time lows, and manufacturers have continued offering 84 month 0% financing on many models.

The average APR rate for a 60-month new car loan has fallen to around 4% for those with excellent credit. Using this figure, a 60-month, 0% deal will save you around $3,000 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, CarsDirect and RydeShopper to see the lowest prices being offered in your area.

Best 0% Finance Deals

Vehicle APR Term APR Rate Plus Cash Back
2021 Chrysler Pacifica 84 0% $3,750
2020 Ford Fusion Energi 84 0% $2,000
2020 Ford Fusion 84 0% $2,000
2020 Jeep Cherokee 84 0% $2,000
2020 Jeep Grand Cherokee 84 0% $1,000
2020 Ram 1500 84 0% $1,000
2020 Chevrolet Express Cargo 84 0% $850
2021 Jeep Compass 84 0% $750
2021 Jeep Renegade 84 0% $750
2021 Jeep Cherokee 84 0% $750
2021 Ram 1500 84 0% $500
2020 Chevrolet Malibu 84 0% $0
2020 Chrysler Pacifica 84 0% $0
2020 Chevrolet Blazer 84 0% $0
2021 Chrysler 300 84 0% $0
2020 Chrysler 300 84 0% $0
2021 Nissan TITAN XD 84 0% $0
2020 Chevrolet Bolt 84 0% $0
2020 Jeep Compass 84 0% $0
2020 Dodge Journey 84 0% $0
2020 Chevrolet Equinox 84 0% $0
2021 Nissan TITAN 84 0% $0
2020 Chevrolet Trax 84 0% $0
2020 Jeep Renegade 84 0% $0
2020 Dodge Grand Caravan 84 0% $0
2020 Kia K900 75 0% $2,000
2020 Kia Niro EV 75 0% $1,000
2020 Kia Niro 75 0% $0
2021 Kia Sportage 75 0% $0
2020 Kia Cadenza 75 0% $0
2020 Dodge Challenger 72 0% $4,500
2020 Dodge Charger 72 0% $3,500
2020 Ford Explorer 72 0% $2,750
2020 Nissan LEAF 72 0% $2,000
2020 Fiat 500X 72 0% $2,000
2020 Ford Escape 72 0% $2,000
2020 Lincoln MKZ 72 0% $2,000
2021 Ram 1500 Classic 72 0% $1,750
2020 Lincoln Continental 72 0% $1,500
2020 Ford Expedition 72 0% $1,250
2020 Ford Ranger 72 0% $1,250
2020 Hyundai Santa Fe 72 0% $1,000
2020 Hyundai Sonata Hev 72 0% $1,000
2020 Lincoln Nautilus 72 0% $1,000
2020 Hyundai Sonata 72 0% $1,000
2020 Hyundai Tucson 72 0% $1,000
2020 Ram 1500 Classic 72 0% $1,000
2021 Chevrolet Express Passenger 72 0% $850
2020 Dodge Durango 72 0% $750
2021 Dodge Durango 72 0% $750
2021 Hyundai Tucson 72 0% $500
2021 GMC Savana Cargo 72 0% $250
2021 GMC Savana Passenger 72 0% $250
2021 Volkswagen Arteon 72 0% $0
2020 Jaguar XE 72 0% $0
2021 Chevrolet Equinox 72 0% $0
2020 Jaguar E-Pace 72 0% $0
2021 GMC Sierra 3500HD 72 0% $0
2021 Buick Encore GX 72 0% $0
2021 Chevrolet Trax 72 0% $0
2021 Jeep Grand Cherokee 72 0% $0
2021 Dodge Challenger 72 0% $0
2020 Infiniti Q60 72 0% $0
2021 Chevrolet Spark 72 0% $0
2020 Ford Mustang 72 0% $0
2020 Volkswagen Jetta GLI 72 0% $0
2020 Infiniti QX60 72 0% $0
2020 Chevrolet Silverado 1500 72 0% $0
2020 Volkswagen Atlas 72 0% $0
2021 Hyundai Sonata 72 0% $0
2021 Chevrolet Malibu 72 0% $0
2021 Jaguar F-Type 72 0% $0
2021 GMC Terrain 72 0% $0
2020 Jaguar F-Pace 72 0% $0
2021 Chevrolet Colorado 72 0% $0
2020 Toyota Camry 72 0% $0
2021 GMC Sierra 1500 72 0% $0
2021 Buick Enclave 72 0% $0
2021 Chevrolet Blazer 72 0% $0
2021 GMC Acadia 72 0% $0
2021 Dodge Charger 72 0% $0
2020 Infiniti QX80 72 0% $0
2021 Fiat 500X 72 0% $0
2020 Chevrolet Silverado 2500HD 72 0% $0
2020 Volkswagen Jetta 72 0% $0
2020 Infiniti QX50 72 0% $0
2021 Chevrolet Silverado 1500 72 0% $0
2020 Volkswagen Tiguan 72 0% $0
2021 Chrysler Voyager 72 0% $0
2020 Chrysler Voyager 72 0% $0
2020 Jaguar I-PACE 72 0% $0
2020 Land Rover Discovery Sport 72 0% $0
2021 GMC Sierra 2500HD 72 0% $0
2021 Buick Encore 72 0% $0
2021 Chevrolet Bolt 72 0% $0
2021 GMC Canyon 72 0% $0
2020 Volkswagen Arteon 72 0% $0
2020 Infiniti Q50 72 0% $0
2020 Chevrolet Silverado 3500HD 72 0% $0
2020 Volkswagen Passat 72 0% $0
2021 Kia Sedona 66 0% $0
2020 Kia Rio 5-Door 66 0% $0
2021 Kia Forte 66 0% $0
2021 Kia Stinger 66 0% $0
2020 Kia Rio 66 0% $0
2021 Kia Soul 66 0% $0
2020 Subaru Forester 63 0% $0
2021 Subaru Ascent 63 0% $0
2020 Subaru Legacy 63 0% $0
2021 Subaru Impreza 63 0% $0
2021 Subaru Outback 63 0% $0
2020 Subaru Ascent 63 0% $0
2020 Subaru Impreza 63 0% $0
2020 Subaru Outback 63 0% $0
2021 Subaru Legacy 63 0% $0
2021 Toyota Mirai 60 0% $10,000
2020 Hyundai Nexo 60 0% $7,500
2020 BMW i3 60 0% $7,500
2021 Hyundai Nexo 60 0% $7,500
2020 Ford Edge 60 0% $3,250
2020 Nissan Murano 60 0% $2,500
2020 Nissan Frontier 60 0% $1,500
2021 Toyota Prius Prime 60 0% $1,500
2020 Nissan Rogue Sport 60 0% $1,500
2021 Nissan Altima 60 0% $1,500
2020 Nissan Altima 60 0% $1,500
2020 Nissan Pathfinder 60 0% $1,250
2020 Hyundai Kona Ev 60 0% $1,000
2020 Mitsubishi Outlander PHEV 60 0% $1,000
2020 Lexus LS 60 0% $1,000
2020 Mitsubishi Outlander 60 0% $1,000
2020 Lincoln Aviator 60 0% $1,000
2020 Hyundai Ioniq 60 0% $1,000
2021 Nissan LEAF 60 0% $1,000
2020 Mazda CX-5 60 0% $1,000
2020 Lincoln Corsair 60 0% $1,000
2020 Mitsubishi Mirage 60 0% $750
2020 Mitsubishi Outlander Sport 60 0% $750
2020 Mitsubishi Eclipse Cross 60 0% $750
2020 Nissan Sentra 60 0% $500
2020 Hyundai Elantra Gt 60 0% $500
2020 Hyundai Elantra 60 0% $500
2020 Mitsubishi Mirage G4 60 0% $500
2020 Nissan Kicks 60 0% $500
2020 Toyota Highlander 60 0% $500
2021 Cadillac Escalade 60 0% $0
2021 Infiniti QX80 60 0% $0
2021 Chevrolet Silverado 2500HD 60 0% $0
2020 Volkswagen Atlas Cross Sport 60 0% $0
2021 Hyundai Sonata Hev 60 0% $0
2021 Infiniti QX50 60 0% $0
2020 Honda Ridgeline 60 0% $0
2020 Cadillac CT5 60 0% $0
2021 GMC Yukon XL 60 0% $0
2020 Chevrolet Express 3500 60 0% $0
2020 Honda HR-V 60 0% $0
2021 Cadillac CT4 60 0% $0
2020 GMC Terrain 60 0% $0
2021 Toyota Highlander 60 0% $0
2020 Buick Envision 60 0% $0
2020 Chevrolet Colorado 60 0% $0
2021 Toyota Corolla 60 0% $0
2020 GMC Sierra 1500 60 0% $0
2021 Chevrolet Camaro 60 0% $0
2020 Buick Enclave 60 0% $0
2020 GMC Savana 2500 60 0% $0
2020 Mazda MX-5 Miata 60 0% $0
2020 GMC Acadia 60 0% $0
2021 Chevrolet TrailBlazer 60 0% $0
2021 Mazda CX-3 60 0% $0
2021 Cadillac XT6 60 0% $0
2021 Kia K5 60 0% $0
2020 Chevrolet Suburban 60 0% $0
2020 Volkswagen Golf GTI 60 0% $0
2020 Cadillac XT4 60 0% $0
2021 Cadillac Escalade ESV 60 0% $0
2021 Infiniti Q50 60 0% $0
2021 Chevrolet Silverado 3500HD 60 0% $0
2020 Cadillac CT6-V 60 0% $0
2021 Volkswagen Tiguan 60 0% $0
2021 Cadillac CT5 60 0% $0
2020 Hyundai Kona 60 0% $0
2020 GMC Yukon 60 0% $0
2020 Chevrolet Express 2500 60 0% $0
2021 Toyota Camry 60 0% $0
2021 Honda HR-V 60 0% $0
2020 Buick Regal TourX 60 0% $0
2020 Chevrolet Corvette 60 0% $0
2021 Toyota Prius 60 0% $0
2021 Buick Envision 60 0% $0
2020 GMC Sierra 2500HD 60 0% $0
2020 Buick Encore 60 0% $0
2020 GMC Canyon 60 0% $0
2020 Chevrolet Traverse 60 0% $0
2021 Mazda CX-9 60 0% $0
2020 Chevrolet Tahoe 60 0% $0
2021 Mazda Mazda6 60 0% $0
2020 Cadillac XT5 60 0% $0
2021 Chevrolet Suburban 60 0% $0
2020 Volkswagen Golf 60 0% $0
2021 Cadillac XT4 60 0% $0
2021 Infiniti Q60 60 0% $0
2020 Chevrolet Sonic 60 0% $0
2020 Cadillac Escalade 60 0% $0
2021 Hyundai Venue 60 0% $0
2020 Honda Civic 60 0% $0
2020 Cadillac CT6 60 0% $0
2020 GMC Yukon XL 60 0% $0
2020 Chevrolet Impala 60 0% $0
2021 Honda Pilot 60 0% $0
2021 Genesis G70 60 0% $0
2020 Cadillac CT4 60 0% $0
2020 Ford F-150 60 0% $0
2021 GMC Yukon 60 0% $0
2020 Honda CR-V 60 0% $0
2020 Buick Regal Sportback 60 0% $0
2020 GMC Sierra 3500HD 60 0% $0
2021 Chevrolet Corvette 60 0% $0
2020 Toyota C-HR 60 0% $0
2020 Buick Encore GX 60 0% $0
2020 Chevrolet Camaro 60 0% $0
2021 Toyota Avalon 60 0% $0
2020 Hyundai Venue 60 0% $0
2020 GMC Savana 3500 60 0% $0
2021 Chevrolet Traverse 60 0% $0
2020 Cadillac XT6 60 0% $0
2021 Chevrolet Tahoe 60 0% $0
2021 Cadillac XT5 60 0% $0
2020 Chevrolet Spark 60 0% $0
2020 Cadillac Escalade ESV 60 0% $0
2021 Ford Escape 48 0% $1,000
2021 Ford Bronco Sport 48 0% $500
2021 Mitsubishi Outlander Sport 48 0% $500
2021 Mitsubishi Mirage 48 0% $500
2020 Hyundai Accent 48 0% $500
2021 Mitsubishi Mirage G4 48 0% $250
2021 Nissan Murano 36 0% $2,500
2020 Fiat 124 Spider 36 0% $2,000
2020 Jeep Gladiator 36 0% $2,000
2020 Fiat 500L 36 0% $2,000
2020 Nissan Maxima 36 0% $2,000
2021 Jeep Gladiator 36 0% $1,500
2020 Lincoln Navigator 36 0% $1,000
2021 Nissan Armada 36 0% $1,000
2021 Nissan Maxima 36 0% $1,000
2020 Ram 2500 36 0% $500
2021 Nissan Versa 36 0% $500
2020 Ram 3500 36 0% $500
2021 Nissan Rogue 36 0% $500
2021 Nissan Sentra 36 0% $250

My Recommendation for Car Shoppers

TrueCar, RydeShopper, and CarsDirect are the best 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...
  • 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
Enter Your Email Below

(Absolutely NO SPAM, easy to unsubscribe)
×

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.

Latest Weekly Car Buying Tips    RSS Feed

March 4, 2021
February 25, 2021
February 18, 2021
February 11, 2021
February 4, 2021
January 28, 2021
January 21, 2021
January 14, 2021
January 7, 2021
December 31, 2020
December 24, 2020
December 17, 2020
December 10, 2020
December 3, 2020
November 26, 2020
November 19, 2020
November 12, 2020
November 5, 2020
I welcome your car buying questions. Email Me and I'll be glad to answer them!