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Best 0% Finance Deals November 2022
November 3, 2022
This week, I updated the list of best 0% finance deals on new cars. Interest rates have been going up in recent months, which means manufacturers have cut back on offering 0% financing deals. We were seeing many 72 month and even 84 month zero percent finance deals last year, but now only a couple of manufacturers are offering them.
The average APR rate for a 60-month new car loan has risen to 5-6% for those with excellent credit. Using this figure, a 60-month, 0% deal will save you around $4,000 in
interest for a vehicle costing $40,000.
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 |
|---|---|---|---|---|
| 2022 Toyota Mirai | 72 | 0% | + $17,000 | |
| 2022 Hyundai Nexo | 72 | 0% | + $15,000 | |
| 2022 Ford Edge | 60 | 0% | + $3,000 | |
| 2022 Ram 1500 | 48 | 0% | + $6,000 | |
| 2022 Dodge Durango | 48 | 0% | + $1,500 | |
| 2022 Alfa Romeo Stelvio | 48 | 0% | + $1,250 | |
| 2022 Alfa Romeo Giulia | 48 | 0% | + $1,250 | |
| 2022 Jeep Renegade | 48 | 0% | + $500 | |
| 2023 Toyota Tacoma | 48 | 0% | + $500 | |
| 2022 Toyota Tacoma | 48 | 0% | + $500 | |
| 2022 Jeep Compass | 36 | 0% | + $2,500 | |
| 2022 Fiat 500X | 36 | 0% | ||
| 2022 Ford Explorer | 36 | 0% | ||
| 2022 Ford Explorer | 36 | 0% | ||
| 2022 Ford Escape | 36 | 0% | ||
| 2022 Ford Escape | 36 | 0% | ||
| 2022 Ford Escape | 36 | 0% | ||
| 2022 Ford EcoSport | 36 | 0% | ||
| 2023 Hyundai Tucson | 36 | 0% | ||
| 2023 Hyundai Sonata | 36 | 0% | ||
| 2023 Hyundai Santa Fe | 36 | 0% | ||
| 2023 Hyundai Kona | 36 | 0% | ||
| 2023 Hyundai Kona EV | 36 | 0% | ||
| 2023 Hyundai Elantra | 36 | 0% | ||
| 2022 Hyundai Venue | 36 | 0% | ||
| 2022 Hyundai Veloster N | 36 | 0% | ||
| 2022 Hyundai Tucson | 36 | 0% | ||
| 2022 Hyundai Sonata | 36 | 0% | ||
| 2022 Hyundai Santa Fe | 36 | 0% | ||
| 2022 Hyundai Santa Cruz | 36 | 0% | ||
| 2022 Hyundai Kona | 36 | 0% | ||
| 2022 Hyundai Kona N | 36 | 0% |
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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I welcome your car buying questions. Email Me and I'll be glad to answer them!
