Best 0% Finance Deals December 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, Jeep, and even Tesla 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 | 74 | 0% | + $4,000 | |
| 2025 Ford Mach-E | 74 | 0% | + $3,000 | |
| 2025 Toyota Mirai | 72 | 0% | + $35,000 | |
| 2025 Toyota bZ4X | 72 | 0% | + $7,000 | |
| 2025 Kia Niro EV | 72 | 0% | + $3,500 | |
| 2025 Kia EV6 | 72 | 0% | + $3,500 | |
| 2026 Toyota bZ | 72 | 0% | + $3,500 | |
| 2026 Lexus RZ | 72 | 0% | + $2,000 | |
| 2025 Dodge Charger | 72 | 0% | ||
| 2024 Dodge Hornet | 72 | 0% | ||
| 2025 Hyundai Ioniq 5 | 72 | 0% | ||
| 2025 Jeep Wagoneer S | 72 | 0% | ||
| 2025 Mitsubishi Outlander PHEV | 72 | 0% | ||
| 2025 Ram 1500 | 72 | 0% | ||
| 2026 Subaru Solterra | 72 | 0% | ||
| 2025 Subaru WRX | 72 | 0% | ||
| 2026 Tesla Model Y | 72 | 0% | ||
| 2025 Volkswagen ID.4 | 72 | 0% | ||
| 2025 Ford Escape | 62 | 0% | + $500 | |
| 2025 Ford Escape | 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 | 60 | 0% | + $3,000 | |
| 2025 Kia Niro | 60 | 0% | + $1,000 | |
| 2025 Kia Niro | 60 | 0% | + $1,000 | |
| 2026 Chevrolet Equinox EV | 60 | 0% | ||
| 2025 Chevrolet Silverado EV | 60 | 0% | ||
| 2025 Chevrolet Equinox EV | 60 | 0% | ||
| 2025 Chevrolet Blazer EV | 60 | 0% | ||
| 2026 Genesis GV70 | 60 | 0% | ||
| 2026 Genesis GV60 | 60 | 0% | ||
| 2025 Honda Prologue | 60 | 0% | ||
| 2026 Hyundai Tucson | 60 | 0% | ||
| 2026 Hyundai Tucson | 60 | 0% | ||
| 2026 Hyundai Santa Fe | 60 | 0% | ||
| 2026 Hyundai Santa Fe | 60 | 0% | ||
| 2025 Hyundai Tucson | 60 | 0% | ||
| 2025 Hyundai Tucson | 60 | 0% | ||
| 2025 Hyundai Santa Fe | 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 | 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 | 36 | 0% | ||
| 2025 GMC HUMMER EV Pickup | 36 | 0% | ||
| 2025 Infiniti QX55 | 36 | 0% | ||
| 2025 Infiniti QX50 | 36 | 0% | ||
| 2025 Subaru Outback | 36 | 0% |
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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