Best 0% Finance Deals January 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

Each week, I'll keep you up-to-date on the latest car deals and news that might affect your purchase. This includes...


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About The Author

Gregg Fidan 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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