Find the Best Car Deals Near You ⤵
Best 0% Finance Deals December 2025
December 4, 2025
This week, I updated the list of best 0% finance deals on new cars. Interest rates have gone up considerably compared to a couple of years ago, and at first we saw manufacturers cutting back on offering 0% financing deals. However, for December we are seeing a large number of manufacturers offering zero percent finance deals, some like Ford are offering 74 month, zero percent deals, while a slew of manufacturers like Toyota, Hyundai and Jeep are all offering 0% for up to 72 months plus cash back on top of some of those!
The average APR rate for a 60-month new car loan has risen to 6-9% for those with good credit. Using this figure, a 60-month, 0% deal will save you around $4,000 in interest for
a vehicle costing $40,000.
I've included deals under 2% as well. Check out the full list below. For even more savings, I highly recommend using TrueCar No Haggle and CarsDirect to see the lowest prices being offered in your area.
Best 0% Finance Deals
| Vehicle | APR Term | APR Rate | Plus Cash Back | Get Price |
|---|---|---|---|---|
| 2025 Ford F-150 Lightning Electric | 74 | 0% | $4,000 | |
| 2025 Ford Mach-E Electric | 74 | 0% | $3,000 | |
| 2025 Toyota Mirai Hydrogen | 72 | 0% | $35,000 | |
| 2025 Toyota bZ4X Electric | 72 | 0% | $7,000 | |
| 2025 Kia Niro EV Electric | 72 | 0% | $3,500 | |
| 2025 Kia EV6 Electric | 72 | 0% | $3,500 | |
| 2026 Toyota bZ Electric | 72 | 0% | $3,500 | |
| 2026 Lexus RZ Electric | 72 | 0% | $2,000 | |
| 2025 Dodge Charger | 72 | 0% | ||
| 2024 Dodge Hornet Plug-in Hybrid | 72 | 0% | ||
| 2025 Hyundai Ioniq 5 Electric | 72 | 0% | ||
| 2025 Jeep Wagoneer S Electric | 72 | 0% | ||
| 2025 Mitsubishi Outlander PHEV Plug-in Hybrid | 72 | 0% | ||
| 2025 Ram 1500 | 72 | 0% | ||
| 2026 Subaru Solterra Electric | 72 | 0% | ||
| 2025 Subaru WRX | 72 | 0% | ||
| 2025 Volkswagen ID.4 Electric | 72 | 0% | ||
| 2025 Ford Escape Plug-in Hybrid | 62 | 0% | $500 | |
| 2025 Ford Escape Hybrid | 62 | 0% | $500 | |
| 2025 Ford Escape | 62 | 0% | $500 | |
| 2025 Ford F-450 | 62 | 0% | ||
| 2025 Ford F-350 | 62 | 0% | ||
| 2025 Ford F-250 | 62 | 0% | ||
| 2026 Kia EV9 Electric | 60 | 0% | $3,000 | |
| 2025 Kia Niro Plug-in Hybrid | 60 | 0% | $1,000 | |
| 2025 Kia Niro Hybrid | 60 | 0% | $1,000 | |
| 2026 Chevrolet Equinox EV Electric | 60 | 0% | ||
| 2025 Chevrolet Silverado EV Electric | 60 | 0% | ||
| 2025 Chevrolet Equinox EV Electric | 60 | 0% | ||
| 2025 Chevrolet Blazer EV Electric | 60 | 0% | ||
| 2026 Genesis GV70 Electric | 60 | 0% | ||
| 2026 Genesis GV60 Electric | 60 | 0% | ||
| 2025 Honda Prologue Electric | 60 | 0% | ||
| 2026 Hyundai Tucson Hybrid | 60 | 0% | ||
| 2026 Hyundai Tucson | 60 | 0% | ||
| 2026 Hyundai Santa Fe Hybrid | 60 | 0% | ||
| 2026 Hyundai Santa Fe | 60 | 0% | ||
| 2025 Hyundai Tucson Hybrid | 60 | 0% | ||
| 2025 Hyundai Tucson | 60 | 0% | ||
| 2025 Hyundai Santa Fe Hybrid | 60 | 0% | ||
| 2025 Hyundai Santa Fe | 60 | 0% | ||
| 2025 Hyundai Palisade | 60 | 0% | ||
| 2025 Mitsubishi Outlander | 60 | 0% | ||
| 2026 Nissan Rogue | 60 | 0% | ||
| 2025 Nissan Pathfinder | 60 | 0% | ||
| 2025 Nissan Murano | 60 | 0% | ||
| 2025 Volkswagen Taos | 60 | 0% | ||
| 2025 Lincoln Nautilus | 48 | 0% | $1,000 | |
| 2025 Lincoln Corsair | 48 | 0% | $1,000 | |
| 2025 Lincoln Aviator | 48 | 0% | $1,000 | |
| 2025 Hyundai Ioniq 6 Electric | 48 | 0% | ||
| 2026 Lincoln Nautilus | 48 | 0% | ||
| 2026 Lincoln Corsair | 48 | 0% | ||
| 2026 Chevrolet Silverado 1500 | 36 | 0% | ||
| 2026 Chevrolet Equinox | 36 | 0% | ||
| 2025 Chevrolet Silverado 1500 | 36 | 0% | ||
| 2025 Chevrolet Equinox | 36 | 0% | ||
| 2026 GMC Sierra 1500 | 36 | 0% | ||
| 2025 GMC Sierra 1500 | 36 | 0% | ||
| 2025 GMC HUMMER EV SUV Electric | 36 | 0% | ||
| 2025 GMC HUMMER EV Pickup Electric | 36 | 0% | ||
| 2025 Infiniti QX55 | 36 | 0% | ||
| 2025 Infiniti QX50 | 36 | 0% | ||
| 2025 Subaru Outback | 36 | 0% | ||
| 2026 BMW X7 | 60 | 0.9% | $2,000 | |
| 2026 BMW X3 | 60 | 0.9% | ||
| 2025 Kia Telluride | 60 | 0.9% | $1,000 | |
| 2025 Kia Sportage Plug-in Hybrid | 60 | 0.9% | $1,000 | |
| 2025 Kia Sportage Hybrid | 60 | 0.9% | $1,000 | |
| 2025 Kia Sportage | 60 | 0.9% | $1,000 | |
| 2025 Kia Sorento Plug-in Hybrid | 60 | 0.9% | $1,000 | |
| 2025 Kia Sorento Hybrid | 60 | 0.9% | $1,000 | |
| 2025 Kia Sorento | 60 | 0.9% | $1,000 | |
| 2025 Mazda CX-5 | 60 | 0.9% | ||
| 2025 Mazda CX-50 | 60 | 0.9% | ||
| 2025 Volkswagen Atlas | 60 | 0.9% | ||
| 2026 BMW X5 Plug-in Hybrid | 48 | 0.9% | ||
| 2026 BMW X5 | 48 | 0.9% | ||
| 2026 BMW X1 | 48 | 0.9% | ||
| 2026 BMW 3 Series | 48 | 0.9% | ||
| 2025 BMW i4 Electric | 48 | 0.9% | $7,500 | |
| 2026 Kia Sportage Hybrid | 48 | 0.9% | $500 | |
| 2026 Kia Sportage | 48 | 0.9% | $500 | |
| 2026 Kia Sorento Hybrid | 48 | 0.9% | $500 | |
| 2026 Kia Sorento | 48 | 0.9% | $500 | |
| 2025 Kia K5 | 48 | 0.9% | $750 | |
| 2026 Volkswagen Atlas | 48 | 0.9% | ||
| 2025 Ford F-150 | 38 | 0.9% | $3,250 | |
| 2025 Ford Explorer | 38 | 0.9% | $1,500 | |
| 2026 Buick Envista | 36 | 0.9% | $250 | |
| 2026 Buick Envision | 36 | 0.9% | $1,000 | |
| 2026 Buick Encore GX | 36 | 0.9% | $3,000 | |
| 2026 Buick Enclave | 36 | 0.9% | $500 | |
| 2025 Buick Envista | 36 | 0.9% | $250 | |
| 2025 Buick Envision | 36 | 0.9% | $1,000 | |
| 2025 Buick Enclave | 36 | 0.9% | $500 | |
| 2026 Infiniti QX60 | 36 | 0.9% | $1,000 | |
| 2025 Toyota Tundra Hybrid | 72 | 0.99% | $1,000 | |
| 2025 Toyota Tundra | 72 | 0.99% | $1,000 | |
| 2026 Honda Prologue Electric | 60 | 0.99% | ||
| 2025 Honda Ridgeline | 60 | 0.99% | ||
| 2025 Hyundai Kona EV Electric | 48 | 0.99% | ||
| 2026 Genesis GV80 | 36 | 0.99% | ||
| 2026 Genesis GV80 Coupe | 36 | 0.99% | ||
| 2026 Genesis GV70 | 36 | 0.99% | ||
| 2026 Genesis G90 | 36 | 0.99% | ||
| 2026 Genesis G80 | 36 | 0.99% | ||
| 2026 Genesis G70 | 36 | 0.99% | ||
| 2025 Genesis GV80 | 36 | 0.99% | ||
| 2025 Genesis GV80 Coupe | 36 | 0.99% | ||
| 2026 Kia Sportage Plug-in Hybrid | 48 | 1.49% | ||
| 2026 Kia Sorento Plug-in Hybrid | 48 | 1.49% | ||
| 2025 Jeep Wrangler 4xe Plug-in Hybrid | 72 | 1.9% | ||
| 2025 Jeep Grand Cherokee 4xe Plug-in Hybrid | 72 | 1.9% | ||
| 2025 Mazda CX-50 Hybrid | 72 | 1.9% | ||
| 2025 Subaru Crosstrek | 72 | 1.9% | ||
| 2025 Subaru Ascent | 72 | 1.9% | ||
| 2024 Jaguar XF | 60 | 1.9% | ||
| 2024 Jaguar F-Type | 60 | 1.9% | ||
| 2024 Jaguar E-Pace | 60 | 1.9% | ||
| 2025 Land Rover Discovery | 60 | 1.9% | ||
| 2026 Mazda Mazda3 | 60 | 1.9% | ||
| 2025 Mazda Mazda3 | 60 | 1.9% | ||
| 2026 Nissan Murano | 60 | 1.9% | ||
| 2026 Nissan Frontier | 60 | 1.9% | ||
| 2025 Nissan Frontier | 60 | 1.9% | $1,500 | |
| 2025 Volkswagen Atlas Cross Sport | 60 | 1.9% | ||
| 2025 Kia Seltos | 48 | 1.9% | $750 | |
| 2026 Mini Countryman | 48 | 1.9% | $500 | |
| 2026 Mini Cooper | 48 | 1.9% | $500 | |
| 2025 Subaru Forester | 48 | 1.9% | ||
| 2025 Subaru BRZ | 48 | 1.9% | ||
| 2026 Chevrolet Blazer | 36 | 1.9% | ||
| 2026 Chevrolet Blazer EV Electric | 36 | 1.9% | ||
| 2025 Chevrolet Malibu | 36 | 1.9% | ||
| 2025 Chevrolet Blazer | 36 | 1.9% | ||
| 2026 Infiniti QX80 | 36 | 1.9% | $5,000 | |
| 2026 Mazda CX-90 | 36 | 1.9% | ||
| 2026 Mazda CX-70 | 36 | 1.9% | ||
| 2026 Mazda CX-50 Hybrid | 36 | 1.9% | ||
| 2026 Mazda CX-50 | 36 | 1.9% | ||
| 2025 Mazda CX-90 Plug-in Hybrid | 36 | 1.9% | ||
| 2025 Mazda CX-90 | 36 | 1.9% | ||
| 2025 Mazda CX-70 Plug-in Hybrid | 36 | 1.9% | ||
| 2025 Mazda CX-70 | 36 | 1.9% | ||
| 2025 Nissan Z | 36 | 1.9% | ||
| 2026 Audi A3 | 72 | 1.99% | ||
| 2025 Audi A5 | 72 | 1.99% | ||
| 2026 BMW 2 Series | 72 | 1.99% | $1,000 | |
| 2026 Volvo XC90 | 72 | 1.99% | ||
| 2026 Volvo XC60 | 72 | 1.99% | ||
| 2026 Volvo XC40 | 72 | 1.99% | ||
| 2026 Volvo EX40 Electric | 72 | 1.99% | ||
| 2026 Volvo EX30 Electric | 72 | 1.99% | ||
| 2025 Volvo EX90 Electric | 72 | 1.99% | ||
| 2026 BMW iX Electric | 60 | 1.99% | $7,500 | |
| 2026 BMW i5 Electric | 60 | 1.99% | $7,500 | |
| 2026 BMW 8 Series | 60 | 1.99% | $5,000 | |
| 2026 BMW 5 Series Plug-in Hybrid | 60 | 1.99% | ||
| 2026 BMW 5 Series | 60 | 1.99% | $1,000 | |
| 2025 BMW M8 | 60 | 1.99% | $9,000 | |
| 2025 BMW i7 Electric | 60 | 1.99% | $7,500 | |
| 2025 BMW i5 Electric | 60 | 1.99% | $7,500 | |
| 2026 Hyundai Kona | 60 | 1.99% | ||
| 2026 Hyundai Ioniq 9 Electric | 60 | 1.99% | ||
| 2025 Hyundai Sonata Hybrid | 60 | 1.99% | ||
| 2025 Hyundai Sonata | 60 | 1.99% | ||
| 2025 Hyundai Ioniq 5 N Electric | 60 | 1.99% | ||
| 2025 Hyundai Elantra Hybrid | 48 | 1.99% | $1,000 | |
| 2026 Mercedes GLC | 36 | 1.99% | ||
| 2026 Mercedes GLC Coupe | 36 | 1.99% | ||
| 2025 Mercedes SL | 36 | 1.99% | ||
| 2025 Mercedes S-Class | 36 | 1.99% | ||
| 2025 Mercedes GLS | 36 | 1.99% | ||
| 2025 Mercedes GLE | 36 | 1.99% | ||
| 2025 Mercedes GLE Coupe | 36 | 1.99% | ||
| 2025 Mercedes GLC | 36 | 1.99% | ||
| 2025 Mercedes GLC Coupe | 36 | 1.99% | ||
| 2025 Mercedes GLB | 36 | 1.99% | ||
| 2025 Mercedes GLA | 36 | 1.99% | ||
| 2025 Mercedes EQS SUV Electric | 36 | 1.99% | ||
| 2025 Mercedes EQS Sedan Electric | 36 | 1.99% | ||
| 2025 Mercedes EQE SUV Electric | 36 | 1.99% | ||
| 2025 Mercedes EQE Sedan Electric | 36 | 1.99% | ||
| 2025 Mercedes EQB Electric | 36 | 1.99% | ||
| 2025 Mercedes E-Class Hybrid | 36 | 1.99% | ||
| 2025 Mercedes E-Class | 36 | 1.99% | ||
| 2025 Mercedes CLE | 36 | 1.99% | ||
| 2025 Mercedes CLA | 36 | 1.99% | ||
| 2025 Mercedes C-Class | 36 | 1.99% | ||
| 2025 Mercedes AMG GT | 36 | 1.99% | ||
| 2026 Toyota Camry | 36 | 1.99% | $500 | |
| 2025 Toyota Tacoma Hybrid | 36 | 1.99% | $1,000 |
Signup for The Weekly Newsletter
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.
Latest Weekly Car Buying Tips
December 2025
- Best 0% Finance Deals December 2025 Dec 04, 2025
- Best Bang for Your Buck Lease Deals Dec 04, 2025
- Best Electric, Hybrid Lease Deals Dec 04, 2025
- Real Prices of Pickup Trucks Dec 04, 2025
November 2025
- Best Black Friday Car Deals 2025 Nov 27, 2025
- Top 100 Cheapest New Cars Right Now Nov 27, 2025
- Cars With the Largest Rebates Nov 27, 2025
- Real Prices of Compact Cars Nov 27, 2025
- All SUV Lease Deals Compared November 2025 Nov 20, 2025
- Best Car Deals by Category Nov 20, 2025
- Worst Cars to Lease Right Now Nov 20, 2025
- Real Prices of Midsize Cars Nov 20, 2025
- Top 100 Cheapest Lease Deals Nov 13, 2025
- Biggest Discounts on New Cars November 2025 Nov 13, 2025
- New Cars with the Most Available Inventory Nov 13, 2025
- Real Prices of New Compact SUVs Nov 13, 2025
- Real Prices of Large SUVs Nov 06, 2025
I welcome your car buying questions. Email Me and I'll be glad to answer them!
