Best 0% Finance Deals September 2021
September 16, 2021
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 Toyota Mirai | 72 | 0% | + $20,000 |
| 2021 Hyundai Nexo | 72 | 0% | + $7,500 |
| 2021 Dodge Challenger | 72 | 0% | + $1,000 |
| 2021 Fiat 500X | 72 | 0% | + $1,000 |
| 2022 Nissan LEAF | 72 | 0% | + $1,000 |
| 2021 Dodge Charger | 72 | 0% | + $750 |
| 2020 Audi S8 | 72 | 0% | |
| 2020 Audi S4 | 72 | 0% | |
| 2020 Audi Q5 | 72 | 0% | |
| 2020 Audi e-tron | 72 | 0% | |
| 2020 Audi A7 | 72 | 0% | |
| 2020 Audi A6 allroad | 72 | 0% | |
| 2021 Buick Envision | 72 | 0% | |
| 2021 Buick Encore | 72 | 0% | |
| 2021 Buick Encore GX | 72 | 0% | |
| 2021 Buick Enclave | 72 | 0% | |
| 2022 Chevrolet Trax | 72 | 0% | |
| 2022 Chevrolet Equinox | 72 | 0% | |
| 2022 Chevrolet Blazer | 72 | 0% | |
| 2021 Chevrolet Trax | 72 | 0% | |
| 2021 Chevrolet Traverse | 72 | 0% | |
| 2021 Chevrolet Spark | 72 | 0% | |
| 2021 Chevrolet Equinox | 72 | 0% | |
| 2021 Chevrolet Blazer | 72 | 0% | |
| 2021 Chrysler Voyager | 72 | 0% | |
| 2021 Chrysler 300 | 72 | 0% | |
| 2021 Dodge Durango | 72 | 0% | |
| 2021 Ford F-150 | 72 | 0% | |
| 2021 Genesis G90 | 72 | 0% | |
| 2021 GMC Terrain | 72 | 0% | |
| 2021 GMC Acadia | 72 | 0% | |
| 2021 Jeep Grand Cherokee | 72 | 0% | |
| 2021 Volkswagen Arteon | 72 | 0% | |
| 2020 Kia Niro EV | 66 | 0% | + $2,000 |
| 2021 Kia Niro EV | 66 | 0% | |
| 2021 Subaru Outback | 63 | 0% | |
| 2021 Subaru Legacy | 63 | 0% | |
| 2021 Subaru Impreza | 63 | 0% | |
| 2021 BMW i3 | 60 | 0% | + $7,500 |
| 2021 Toyota Avalon | 60 | 0% | + $2,500 |
| 2021 Hyundai Kona EV | 60 | 0% | + $1,500 |
| 2021 Nissan Murano | 60 | 0% | + $1,500 |
| 2021 Hyundai Ioniq | 60 | 0% | + $1,000 |
| 2021 Hyundai Ioniq | 60 | 0% | + $1,000 |
| 2021 Hyundai Ioniq | 60 | 0% | + $1,000 |
| 2021 Hyundai Tucson | 60 | 0% | + $500 |
| 2021 Hyundai Kona | 60 | 0% | + $500 |
| 2021 Genesis G80 | 60 | 0% | |
| 2021 Hyundai Veloster N | 60 | 0% | |
| 2021 Hyundai Sonata | 60 | 0% | |
| 2021 Hyundai Elantra | 60 | 0% | |
| 2021 Hyundai Elantra | 60 | 0% | |
| 2022 Kia Stinger | 60 | 0% | |
| 2022 Kia Sportage | 60 | 0% | |
| 2022 Kia Niro EV | 60 | 0% | |
| 2021 Kia Niro | 60 | 0% | |
| 2021 Kia Niro | 60 | 0% | |
| 2021 Toyota Avalon | 60 | 0% | |
| 2021 Volkswagen Passat | 60 | 0% | |
| 2021 Ram 1500 Classic | 48 | 0% | + $4,250 |
| 2021 Jeep Renegade | 48 | 0% | + $1,750 |
| 2022 Honda Pilot | 48 | 0% | |
| 2022 Honda HR-V | 48 | 0% | |
| 2021 Honda Pilot | 48 | 0% | |
| 2021 Honda Passport | 48 | 0% | |
| 2021 Honda HR-V | 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 Ford Expedition | 36 | 0% | + $2,000 |
| 2021 Ford EcoSport | 36 | 0% | + $2,000 |
| 2021 Ford Escape | 36 | 0% | + $1,000 |
| 2021 Ford Escape | 36 | 0% | + $1,000 |
| 2021 Ford Escape | 36 | 0% | + $1,000 |
| 2021 Lincoln Corsair | 36 | 0% | + $1,000 |
| 2021 Toyota Camry | 36 | 0% | + $750 |
| 2021 Ford Ranger | 36 | 0% | + $500 |
| 2021 Ford Mustang | 36 | 0% | + $500 |
| 2021 Ford Explorer | 36 | 0% | + $500 |
| 2021 Ford Explorer | 36 | 0% | + $500 |
| 2021 Ford Edge | 36 | 0% | + $500 |
| 2021 Ford Bronco Sport | 36 | 0% | + $500 |
| 2021 Jeep Gladiator | 36 | 0% | + $500 |
| 2021 Mazda Mazda6 | 36 | 0% | + $500 |
| 2021 Mazda CX-3 | 36 | 0% | + $500 |
| 2021 Nissan Maxima | 36 | 0% | + $500 |
| 2021 Volkswagen Tiguan | 36 | 0% | + $500 |
| 2021 Volkswagen Jetta | 36 | 0% | + $500 |
| 2021 Volkswagen Atlas Cross Sport | 36 | 0% | + $500 |
| 2021 Acura TLX | 36 | 0% | |
| 2021 Acura ILX | 36 | 0% | |
| 2022 Ford Maverick | 36 | 0% | |
| 2021 Jeep Wrangler | 36 | 0% | |
| 2021 Lincoln Nautilus | 36 | 0% | |
| 2021 Lincoln Aviator | 36 | 0% | |
| 2021 Mazda MX-5 Miata | 36 | 0% | |
| 2021 Mazda Mazda3 | 36 | 0% | |
| 2021 Mazda CX-9 | 36 | 0% | |
| 2021 Mazda CX-5 | 36 | 0% | |
| 2021 Mazda CX-30 | 36 | 0% | |
| 2022 Nissan Pathfinder | 36 | 0% | |
| 2022 Nissan Frontier | 36 | 0% | |
| 2021 Nissan Versa | 36 | 0% | |
| 2021 Nissan Sentra | 36 | 0% | |
| 2021 Nissan Rogue | 36 | 0% | |
| 2021 Nissan Rogue Sport | 36 | 0% | |
| 2021 Nissan LEAF | 36 | 0% | |
| 2021 Nissan Frontier | 36 | 0% | |
| 2021 Nissan Armada | 36 | 0% | |
| 2021 Nissan Altima | 36 | 0% | |
| 2022 Toyota Corolla | 36 | 0% | |
| 2022 Toyota Corolla | 36 | 0% | |
| 2021 Toyota RAV4 | 36 | 0% | |
| 2021 Toyota Highlander | 36 | 0% | |
| 2021 Toyota Highlander | 36 | 0% | |
| 2021 Toyota Camry | 36 | 0% | |
| 2021 Toyota C-HR | 36 | 0% | |
| 2021 Volkswagen Jetta GLI | 36 | 0% | |
| 2021 Volkswagen Golf | 36 | 0% | |
| 2021 Volkswagen Golf GTI | 36 | 0% | |
| 2021 Volkswagen Atlas | 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!