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The Best 0% Financing Deals
November 28, 2012
This week, I scoured through the incentives being offered by manufacturers to determine which brands are offering the best 0% financing deals. Suzuki, not surprisingly, is offering the best ones - 0% for up to 72 months. But keep in mind, they filed for bankruptcy earlier this month, so the value of the vehicles will be taking a hit when it comes time to sell later down the road.
I also included any cash-back incentives that are available as an alternative to the financing deals. In most cases, it's better to go with the cash rebate, especially since interest rates are so low right now. (See: How to Choose between 0% Financing and Cash Back)
Check out the full list below and make sure you use the free RydeShopper when you're ready to get the best deal on your vehicle.
| Vehicle | Rate | Term | Cash Rebate Alternative |
|---|---|---|---|
| 2012 Suzuki Equator | 0.00% | 72 | $2,000 |
| 2012 Suzuki Grand Vitara | 0.00% | 72 | $1,500 |
| 2012 Suzuki Kizashi | 0.00% | 72 | $1,500 |
| 2012 Suzuki SX4 | 0.00% | 72 | $1,000 |
| 2012 Toyota Sequoia | 0.00% | 60 | $3,000 |
| 2012 Toyota Venza | 0.00% | 60 | |
| 2013 Smart fortwo | 0.00% | 60 | |
| 2013 Suzuki Grand Vitara | 0.00% | 48 | $500 |
| 2013 Suzuki Kizashi | 0.00% | 48 | $500 |
| 2013 Suzuki SX4 | 0.00% | 48 | $500 |
| 2012 Chrysler 200 | 0.00% | 36 | $4,500 |
| 2012 Chrysler 300 | 0.00% | 36 | $4,000 |
| 2012 Toyota Tundra | 0.00% | 36 | $4,000 |
| 2012 Chrysler Town and Country | 0.00% | 36 | $3,500 |
| 2012 Dodge Avenger | 0.00% | 36 | $3,500 |
| 2012 Dodge Journey | 0.00% | 36 | $3,500 |
| 2012 Mitsubishi Galant | 0.00% | 36 | $3,500 |
| 2012 Dodge Grand Caravan | 0.00% | 36 | $3,250 |
| 2012 Dodge Charger | 0.00% | 36 | $3,000 |
| 2012 Ford Expedition | 0.00% | 36 | $3,000 |
| 2012 Ford F-350 Super Duty | 0.00% | 36 | $3,000 |
| 2012 Ford Super Duty F-250 | 0.00% | 36 | $3,000 |
| 2012 Ford Super Duty F-450 | 0.00% | 36 | $3,000 |
| 2012 Lincoln Navigator | 0.00% | 36 | $3,000 |
| 2012 Toyota Avalon | 0.00% | 36 | $3,000 |
| 2013 Ford Taurus | 0.00% | 36 | $3,000 |
| 2012 Ford Flex | 0.00% | 36 | $2,750 |
| 2012 Dodge Challenger | 0.00% | 36 | $2,500 |
| 2012 Dodge Durango | 0.00% | 36 | $2,500 |
| 2012 Ford Fusion | 0.00% | 36 | $2,500 |
| 2012 Jeep Compass | 0.00% | 36 | $2,500 |
| 2012 Jeep Patriot | 0.00% | 36 | $2,500 |
| 2013 Ford Flex | 0.00% | 36 | $2,500 |
| 2013 Toyota Tundra | 0.00% | 36 | $2,500 |
| 2012 Ford E-150 | 0.00% | 36 | $2,000 |
| 2012 Ford E-Series Van | 0.00% | 36 | $2,000 |
| 2012 Lincoln MKX | 0.00% | 36 | $2,000 |
| 2012 Lincoln MKZ | 0.00% | 36 | $2,000 |
| 2012 Toyota Highlander | 0.00% | 36 | $2,000 |
| 2013 Ford Expedition | 0.00% | 36 | $2,000 |
| 2012 Jeep Grand Cherokee | 0.00% | 36 | $1,500 |
| 2012 Mitsubishi Outlander | 0.00% | 36 | $1,500 |
| 2012 Mitsubishi Outlander Sport | 0.00% | 36 | $1,500 |
| 2012 Toyota Sienna | 0.00% | 36 | $1,500 |
| 2013 Dodge Durango | 0.00% | 36 | $1,500 |
| 2013 Fiat 500 | 0.00% | 36 | $1,500 |
| 2013 Jeep Compass | 0.00% | 36 | $1,500 |
| 2013 Toyota Venza | 0.00% | 36 | $1,500 |
| 2012 Hyundai Veracruz | 0.00% | 36 | $1,000 |
| 2012 Lincoln MKT | 0.00% | 36 | $1,000 |
| 2012 Mitsubishi Eclipse | 0.00% | 36 | $1,000 |
| 2012 Mitsubishi Eclipse Spyder | 0.00% | 36 | $1,000 |
| 2012 Mitsubishi Lancer | 0.00% | 36 | $1,000 |
| 2012 Mitsubishi Lancer Sportback | 0.00% | 36 | $1,000 |
| 2012 Toyota Camry | 0.00% | 36 | $1,000 |
| 2012 Toyota RAV4 | 0.00% | 36 | $1,000 |
| 2013 Toyota Corolla | 0.00% | 36 | $1,000 |
| 2013 Toyota Sienna | 0.00% | 36 | $1,000 |
| 2012 Dodge Caliber | 0.00% | 36 | $500 |
| 2012 Hyundai Santa Fe | 0.00% | 36 | $500 |
| 2013 Toyota Highlander | 0.00% | 36 | $500 |
| 2013 Toyota Tacoma | 0.00% | 36 | $500 |
| 2012 Hyundai Elantra Touring | 0.00% | 36 | |
| 2012 Hyundai Genesis | 0.00% | 36 | |
| 2012 Hyundai Sonata | 0.00% | 36 | |
| 2012 Hyundai Sonata Hybrid | 0.00% | 36 | |
| 2012 Hyundai Tucson | 0.00% | 36 | |
| 2012 Jeep Wrangler | 0.00% | 36 | |
| 2012 Mitsubishi Lancer Evolution | 0.00% | 36 | |
| 2012 Mitsubishi i-MiEV | 0.00% | 36 | |
| 2012 Toyota Corolla | 0.00% | 36 | |
| 2012 Toyota Prius Plug-in | 0.00% | 36 | |
| 2012 Toyota Prius V | 0.00% | 36 | |
| 2013 Lincoln MKS | 0.00% | 36 | |
| 2013 Lincoln MKT | 0.00% | 36 | |
| 2013 Mitsubishi Lancer | 0.00% | 36 | |
| 2013 Mitsubishi Lancer Evolution | 0.00% | 36 | |
| 2013 Mitsubishi Lancer Sportback | 0.00% | 36 | |
| 2013 Mitsubishi Outlander | 0.00% | 36 | |
| 2013 Mitsubishi Outlander Sport | 0.00% | 36 |
3 Steps Every Car Buyer Needs to Take to Save Maximum Money
The key to getting the best deal is to gather price or lease bids from as many local dealers as possible. Then shop that best price around until no one can beat it. Here are the steps:Step 1 Get Prices From My Trusted Network
Select the vehicle you're interested in to see if there are local dealers in my network who will provide you with their best upfront price. You will get direct access to an internet sales manager who you can further negotiate with online (no need to visit dealership).Select Vehicle to Get Local Pricing
Step 2 Get Prices From TrueCar / CarsDirect
TrueCar, and CarsDirect are my top 2 online price quote recommendations. These services show you pre-negotiated prices from dealers closest to you - and the deals are usually pretty decent. But remember, you can still negotiate further.Step 3 Complete my Checklist
Follow this up with my checklist to make sure you squeeze out every last bit of savings.- Gregg Fidan
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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
About The Author
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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