Best 0% Finance Deals January 2022
January 6, 2022
This week, I updated the list of best 0% finance deals on new cars. Interest rates are at all time lows, and manufacturers continue offering lots of 0% financing deals on many models even though inventory is low. However the longer terms such as 84 months are not being offered anymore.
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 NADAGuides to see the lowest prices being offered in your area.
Best 0% Finance Deals
| Vehicle | APR Term | APR Rate | Plus Cash Back |
|---|---|---|---|
| 2021 Hyundai Nexo | 72 | 0% | + $20,000 |
| 2022 Toyota Mirai | 72 | 0% | + $10,000 |
| 2021 Dodge Charger | 72 | 0% | + $2,500 |
| 2021 Chrysler 300 | 72 | 0% | + $2,000 |
| 2021 Dodge Challenger | 72 | 0% | + $750 |
| 2021 Fiat 500X | 72 | 0% | + $500 |
| 2021 Dodge Durango | 72 | 0% | |
| 2021 Genesis G90 | 72 | 0% | |
| 2022 GMC Sierra 1500 limited | 72 | 0% | |
| 2021 GMC Yukon | 72 | 0% | |
| 2021 GMC Yukon XL | 72 | 0% | |
| 2021 GMC Terrain | 72 | 0% | |
| 2021 GMC Sierra 3500HD | 72 | 0% | |
| 2021 GMC Sierra 2500HD | 72 | 0% | |
| 2021 GMC Sierra 1500 | 72 | 0% | |
| 2021 GMC Canyon | 72 | 0% | |
| 2021 GMC Acadia | 72 | 0% | |
| 2021 Jeep Grand Cherokee | 72 | 0% | |
| 2022 Nissan LEAF | 72 | 0% | |
| 2021 Subaru Outback | 63 | 0% | |
| 2021 Subaru Legacy | 63 | 0% | |
| 2021 Subaru Impreza | 63 | 0% | |
| 2021 Ford Escape | 60 | 0% | + $1,500 |
| 2021 Ford Escape | 60 | 0% | + $1,500 |
| 2021 Ford EcoSport | 60 | 0% | + $1,500 |
| 2021 Hyundai Kona EV | 60 | 0% | + $1,500 |
| 2021 Ford F-150 | 60 | 0% | + $1,000 |
| 2021 Ford Explorer | 60 | 0% | + $1,000 |
| 2021 Ford Explorer | 60 | 0% | + $1,000 |
| 2021 Ford Expedition | 60 | 0% | + $1,000 |
| 2021 Ford Edge | 60 | 0% | + $1,000 |
| 2021 Hyundai Ioniq | 60 | 0% | + $1,000 |
| 2021 Hyundai Ioniq | 60 | 0% | + $1,000 |
| 2021 Hyundai Ioniq | 60 | 0% | + $1,000 |
| 2021 Ford Escape | 60 | 0% | + $500 |
| 2021 Hyundai Tucson | 60 | 0% | + $500 |
| 2021 Hyundai Kona | 60 | 0% | + $500 |
| 2020 Audi S3 | 60 | 0% | |
| 2020 Audi A3 | 60 | 0% | |
| 2021 Ford Ranger | 60 | 0% | |
| 2021 Genesis G80 | 60 | 0% | |
| 2022 Hyundai Ioniq | 60 | 0% | |
| 2022 Hyundai Ioniq | 60 | 0% | |
| 2021 Hyundai Veloster N | 60 | 0% | |
| 2021 Hyundai Sonata | 60 | 0% | |
| 2021 Hyundai Sonata | 60 | 0% | |
| 2021 Hyundai Elantra | 60 | 0% | |
| 2021 Hyundai Elantra | 60 | 0% | |
| 2022 Kia Stinger | 60 | 0% | |
| 2022 Kia Niro EV | 60 | 0% | |
| 2021 Ram 1500 Classic | 48 | 0% | + $2,500 |
| 2022 Ram 1500 | 48 | 0% | + $2,000 |
| 2021 Jeep Renegade | 48 | 0% | + $1,750 |
| 2022 Alfa Romeo Stelvio | 48 | 0% | |
| 2022 Alfa Romeo Giulia | 48 | 0% | |
| 2022 Buick Encore | 48 | 0% | |
| 2022 Buick Encore GX | 48 | 0% | |
| 2021 Buick Envision | 48 | 0% | |
| 2021 Buick Encore | 48 | 0% | |
| 2021 Buick Encore GX | 48 | 0% | |
| 2021 Buick Enclave | 48 | 0% | |
| 2022 Chevrolet Traverse | 48 | 0% | |
| 2022 Chevrolet Trailblazer | 48 | 0% | |
| 2022 Chevrolet Silverado 3500HD | 48 | 0% | |
| 2022 Chevrolet Silverado 2500HD | 48 | 0% | |
| 2022 Chevrolet Equinox | 48 | 0% | |
| 2022 Chevrolet Colorado | 48 | 0% | |
| 2022 Chevrolet Blazer | 48 | 0% | |
| 2021 Chevrolet Spark | 48 | 0% | |
| 2021 Chevrolet Silverado 1500 | 48 | 0% | |
| 2021 Chevrolet Malibu | 48 | 0% | |
| 2021 Chevrolet Equinox | 48 | 0% | |
| 2021 Chevrolet Camaro | 48 | 0% | |
| 2022 Hyundai Venue | 48 | 0% | |
| 2022 Hyundai Veloster N | 48 | 0% | |
| 2022 Hyundai Tucson | 48 | 0% | |
| 2022 Hyundai Tucson | 48 | 0% | |
| 2022 Hyundai Tucson | 48 | 0% | |
| 2022 Hyundai Sonata | 48 | 0% | |
| 2022 Hyundai Sonata | 48 | 0% | |
| 2022 Hyundai Santa Fe | 48 | 0% | |
| 2022 Hyundai Santa Fe | 48 | 0% | |
| 2022 Hyundai Santa Fe | 48 | 0% | |
| 2022 Hyundai Santa Cruz | 48 | 0% | |
| 2022 Hyundai Kona | 48 | 0% | |
| 2022 Hyundai Kona EV | 48 | 0% | |
| 2022 Hyundai Elantra | 48 | 0% | |
| 2022 Hyundai Elantra | 48 | 0% | |
| 2022 Hyundai Accent | 48 | 0% | |
| 2021 Hyundai Venue | 48 | 0% | |
| 2021 Hyundai Santa Fe | 48 | 0% | |
| 2021 Hyundai Santa Fe | 48 | 0% | |
| 2021 Hyundai Accent | 48 | 0% | |
| 2021 Toyota Tundra | 48 | 0% | |
| 2022 Ford Edge | 36 | 0% | + $2,500 |
| 2021 Jeep Gladiator | 36 | 0% | + $2,500 |
| 2022 Ford Explorer | 36 | 0% | + $1,000 |
| 2022 Ford Explorer | 36 | 0% | + $1,000 |
| 2022 Ford Escape | 36 | 0% | + $1,000 |
| 2022 Ford Escape | 36 | 0% | + $1,000 |
| 2022 Jeep Compass | 36 | 0% | + $1,000 |
| 2022 Nissan Murano | 36 | 0% | + $1,000 |
| 2021 Nissan Murano | 36 | 0% | + $1,000 |
| 2022 Cadillac XT6 | 36 | 0% | + $500 |
| 2022 Cadillac XT5 | 36 | 0% | + $500 |
| 2021 Cadillac XT6 | 36 | 0% | + $500 |
| 2021 Cadillac XT5 | 36 | 0% | + $500 |
| 2021 Cadillac XT4 | 36 | 0% | + $500 |
| 2021 Cadillac CT5 | 36 | 0% | + $500 |
| 2021 Cadillac CT4 | 36 | 0% | + $500 |
| 2021 Ford Mustang | 36 | 0% | + $500 |
| 2022 Nissan Altima | 36 | 0% | + $500 |
| 2021 Nissan Altima | 36 | 0% | + $500 |
| 2022 Ford Maverick | 36 | 0% | |
| 2022 Ford Escape | 36 | 0% | |
| 2022 Ford Bronco Sport | 36 | 0% | |
| 2021 Jeep Wrangler | 36 | 0% | |
| 2022 Lincoln Nautilus | 36 | 0% | |
| 2022 Lincoln Corsair | 36 | 0% | |
| 2021 Lincoln Nautilus | 36 | 0% | |
| 2021 Lincoln Corsair | 36 | 0% | |
| 2022 Nissan Versa | 36 | 0% | |
| 2022 Nissan Sentra | 36 | 0% | |
| 2022 Nissan Pathfinder | 36 | 0% | |
| 2022 Nissan Maxima | 36 | 0% | |
| 2022 Nissan Frontier | 36 | 0% | |
| 2022 Nissan Armada | 36 | 0% | |
| 2021 Nissan Versa | 36 | 0% | |
| 2021 Nissan TITAN | 36 | 0% | |
| 2021 Nissan TITAN XD | 36 | 0% | |
| 2021 Nissan Sentra | 36 | 0% | |
| 2021 Nissan Rogue | 36 | 0% | |
| 2021 Nissan Rogue Sport | 36 | 0% | |
| 2021 Nissan Maxima | 36 | 0% | |
| 2021 Nissan Kicks | 36 | 0% | |
| 2021 Nissan Armada | 36 | 0% | |
| 2022 Toyota Tundra | 36 | 0% | |
| 2022 Toyota Sienna | 36 | 0% | |
| 2022 Toyota RAV4 | 36 | 0% | |
| 2022 Toyota RAV4 | 36 | 0% | |
| 2022 Toyota Highlander | 36 | 0% | |
| 2022 Toyota Highlander | 36 | 0% | |
| 2022 Toyota Corolla | 36 | 0% | |
| 2022 Toyota Corolla | 36 | 0% | |
| 2022 Toyota Corolla Cross | 36 | 0% | |
| 2022 Toyota Camry | 36 | 0% | |
| 2022 Toyota Camry | 36 | 0% | |
| 2021 Toyota RAV4 | 36 | 0% | |
| 2021 Toyota C-HR | 36 | 0% |
My Recommendation for Car Shoppers
TrueCar No-Haggle, CarsDirect, and NADAGuides 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
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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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I welcome your car buying questions. Email Me and I'll be glad to answer them!