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Best 0% Finance Deals July 2025
July 3, 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 July we are seeing a large number of manufacturers offering zero percent finance deals, some like Volkswagen, Ford, Dodge and Jeep are all offering 0% for up to 72 months plus cash back on top of that! Hyundai, Nissan, Ford and Lincoln are all offering 0% for 60 months.
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 Toyota Mirai Hydrogen | 72 | 0% | $35,000 | |
| 2024 Dodge Charger | 72 | 0% | $3,000 | |
| 2024 Jeep Wagoneer S Electric | 72 | 0% | $3,000 | |
| 2025 Toyota bZ4X Electric | 72 | 0% | $3,000 | |
| 2024 Toyota bZ4X Electric | 72 | 0% | $3,000 | |
| 2024 Ford Mach-E Electric | 72 | 0% | $1,000 | |
| 2024 Acura ZDX Electric | 72 | 0% | ||
| 2025 Chrysler Pacifica Plug-in Hybrid | 72 | 0% | ||
| 2024 Dodge Hornet Plug-in Hybrid | 72 | 0% | ||
| 2024 Honda Prologue Electric | 72 | 0% | ||
| 2024 Jeep Wrangler 4xe Plug-in Hybrid | 72 | 0% | ||
| 2024 Jeep Grand Cherokee 4xe Plug-in Hybrid | 72 | 0% | ||
| 2025 Kia Niro EV Electric | 72 | 0% | ||
| 2025 Lexus RZ Electric | 72 | 0% | ||
| 2025 Nissan LEAF Electric | 72 | 0% | ||
| 2025 Nissan Ariya Electric | 72 | 0% | ||
| 2025 Polestar 3 Electric | 72 | 0% | ||
| 2025 Subaru Solterra Electric | 72 | 0% | ||
| 2024 Subaru Solterra Electric | 72 | 0% | ||
| 2025 Volkswagen ID.4 Electric | 72 | 0% | ||
| 2025 Nissan Murano | 60 | 0% | $1,000 | |
| 2025 Chevrolet Silverado EV Electric | 60 | 0% | ||
| 2025 Chevrolet Equinox EV Electric | 60 | 0% | ||
| 2025 Chevrolet Blazer EV Electric | 60 | 0% | ||
| 2024 Chevrolet Tahoe | 60 | 0% | ||
| 2024 Chevrolet Suburban | 60 | 0% | ||
| 2024 Chevrolet Equinox EV Electric | 60 | 0% | ||
| 2024 Chevrolet Blazer EV Electric | 60 | 0% | ||
| 2024 GMC HUMMER EV SUV Electric | 60 | 0% | ||
| 2024 GMC HUMMER EV Pickup Electric | 60 | 0% | ||
| 2025 Hyundai Santa Fe | 60 | 0% | ||
| 2025 Infiniti QX60 | 60 | 0% | ||
| 2025 Nissan Rogue | 60 | 0% | ||
| 2025 Nissan Pathfinder | 60 | 0% | ||
| 2025 Hyundai Ioniq 6 Electric | 48 | 0% | ||
| 2025 Lincoln Corsair | 48 | 0% | ||
| 2024 Mitsubishi Outlander PHEV Plug-in Hybrid | 48 | 0% | ||
| 2024 Mitsubishi Eclipse Cross | 48 | 0% | ||
| 2024 Ford F-150 | 36 | 0% | $5,000 | |
| 2025 Ford F-150 Lightning Electric | 36 | 0% | $3,500 | |
| 2025 Chevrolet Silverado 1500 | 36 | 0% | ||
| 2025 GMC Sierra 1500 | 36 | 0% | ||
| 2025 Infiniti QX80 | 36 | 0% | ||
| 2025 Infiniti QX55 | 36 | 0% | ||
| 2025 Infiniti QX50 | 36 | 0% | ||
| 2024 Jeep Wagoneer | 36 | 0% | ||
| 2024 Jeep Wagoneer L | 36 | 0% | ||
| 2025 Buick Envista | 36 | 0.9% | $250 | |
| 2025 Buick Envision | 36 | 0.9% | $1,000 | |
| 2025 Buick Enclave | 36 | 0.9% | $500 | |
| 2024 Buick Envision | 36 | 0.9% | $1,000 | |
| 2025 Ford Mach-E Electric | 36 | 0.9% | $1,000 | |
| 2024 GMC Terrain | 36 | 0.9% | ||
| 2025 Volvo XC40 | 72 | 0.99% | $3,000 | |
| 2025 Honda Prologue Electric | 60 | 0.99% | ||
| 2025 Hyundai Kona EV Electric | 48 | 0.99% | ||
| 2024 Toyota Tacoma | 48 | 0.99% | ||
| 2025 Honda Passport | 36 | 0.99% | ||
| 2025 Dodge Charger | 72 | 1.9% | ||
| 2024 Ford Bronco | 72 | 1.9% | $1,000 | |
| 2025 Jeep Wrangler 4xe Plug-in Hybrid | 72 | 1.9% | ||
| 2025 Jeep Wagoneer S Electric | 72 | 1.9% | ||
| 2025 Jeep Grand Cherokee 4xe Plug-in Hybrid | 72 | 1.9% | ||
| 2025 Ram 1500 | 72 | 1.9% | ||
| 2025 Subaru Outback | 72 | 1.9% | ||
| 2025 Kia Sportage | 60 | 1.9% | ||
| 2025 Kia Sorento Plug-in Hybrid | 60 | 1.9% | ||
| 2025 Kia Sorento Hybrid | 60 | 1.9% | ||
| 2025 Kia Sorento | 60 | 1.9% | ||
| 2025 Mazda CX-90 Plug-in Hybrid | 60 | 1.9% | ||
| 2025 Mazda CX-90 | 60 | 1.9% | ||
| 2025 Mazda CX-70 Plug-in Hybrid | 60 | 1.9% | ||
| 2025 Mazda CX-70 | 60 | 1.9% | ||
| 2025 Mazda CX-50 Hybrid | 60 | 1.9% | ||
| 2025 Mazda CX-50 | 60 | 1.9% | ||
| 2025 Nissan Frontier | 60 | 1.9% | ||
| 2026 Kia EV9 Electric | 48 | 1.9% | ||
| 2025 Kia Niro Plug-in Hybrid | 48 | 1.9% | ||
| 2025 Kia Niro Hybrid | 48 | 1.9% | ||
| 2025 Kia EV6 Electric | 48 | 1.9% | $1,000 | |
| 2025 Chevrolet Malibu | 36 | 1.9% | ||
| 2025 Chevrolet Blazer | 36 | 1.9% | ||
| 2024 Chevrolet Traverse LTD | 36 | 1.9% | ||
| 2024 Chevrolet Malibu | 36 | 1.9% | ||
| 2024 Chevrolet Colorado | 36 | 1.9% | ||
| 2024 Chevrolet Blazer | 36 | 1.9% | ||
| 2025 Ford Explorer | 36 | 1.9% | ||
| 2024 Ford F-450 | 36 | 1.9% | $1,000 | |
| 2024 Ford F-350 | 36 | 1.9% | $1,000 | |
| 2024 Ford F-250 | 36 | 1.9% | $1,000 | |
| 2024 Mazda MX-5 Miata | 36 | 1.9% | ||
| 2025 Nissan Z | 36 | 1.9% | ||
| 2024 Nissan Z | 36 | 1.9% | ||
| 2025 Toyota Tundra | 72 | 1.99% | ||
| 2025 Toyota Tundra i-FORCE MAX Hybrid | 72 | 1.99% | ||
| 2025 Volvo EX90 Electric | 72 | 1.99% | $4,000 | |
| 2025 Volvo EX40 Electric | 72 | 1.99% | $4,000 | |
| 2025 Volvo EX30 Electric | 72 | 1.99% | $4,000 | |
| 2026 Hyundai Ioniq 9 Electric | 60 | 1.99% | ||
| 2025 Hyundai Ioniq 5 Electric | 60 | 1.99% | ||
| 2025 BMW X7 | 48 | 1.99% | $2,000 | |
| 2024 Toyota Tacoma i-FORCE MAX Hybrid | 48 | 1.99% | ||
| 2025 Honda Ridgeline | 36 | 1.99% | ||
| 2025 Mercedes GLS | 36 | 1.99% |
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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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