What cars are 0% financing right now?

[LeAngelo]

As of March 2026, the most competitive 0% APR offers are on select 2025 and 2026 model-year vehicles, primarily electric vehicles (EVs) and SUVs, with Kia providing the longest terms at up to 72 months. These manufacturer-sponsored programs require excellent credit (typically a score of 740 or higher, known as Tier 0 credit) and are often limited to specific trims or inventory, making direct dealer verification essential.

The landscape is dominated by incentives to move specific model-year inventory. A key trend is the choice between ultra-low financing and substantial customer cash, with some offers reaching $10,000 in bonus cash as an alternative to 0% APR. The table below outlines current market-leading offers based on aggregated manufacturer program data.

Manufacturer	Key 0% APR Offers (Model Year)	Term Length	Notable Alternative Incentive
Kia	2025 Niro EV, EV6; 2026 Sportage, Telluride	Up to 72 months on EVs	Up to $10,000 bonus cash on Niro EV
Ford	2025 F-150, F-150 Lightning	60 months	Some EV models may have 74-month offers
Chevrolet	2025-2026 Equinox EV, Blazer EV, Silverado EV	60 months	Varies by model and region
Toyota	2026 Mirai	72 months	Often paired with significant bonus cash
Hyundai/Genesis	2026 Santa Fe; Genesis GV60	60 months	$5,000 cash on GV60
Nissan	2026 Murano; 2025 Pathfinder	60 months	Limited to certain configurations
Volkswagen	2026 Atlas	60 months	Usually on higher trim levels

Securing these rates is not automatic. The primary hurdle is credit qualification. Lenders use these promotions to attract their most creditworthy customers. If your score is below the prime threshold, the offered rate will likely be higher, negating the advertised benefit.

Inventory limitations are equally critical. A dealer may advertise 0% financing on a 2026 model, but the offer might only apply to vehicles with specific option packages or colors already on their lot. This is a common tactic to clear existing inventory. You cannot typically custom-order a vehicle and automatically qualify for the promotional rate unless it is explicitly included in the factory order program.

Always compare the total cost of financing against the cash incentive. For example, on a $40,000 loan at 0% for 72 months, your total cost is $40,000. If you take a $10,000 rebate and finance $30,000 at a 5% rate for the same term, your total cost rises. A quick calculation using an auto loan calculator is necessary to determine which option provides greater net value for your situation.

These programs are national in scope but executed locally. A dealer in a competitive metropolitan market may have more flexibility to combine the 0% offer with additional discounts than a dealer in a rural area with less competition. Contacting multiple dealers, confirming the specific Vehicle Identification Number (VIN) the offer applies to, and getting the final out-the-door price in writing is the only way to confirm true availability.

[IsaacAnn]

I just went through this hunt last month. The 0% ads got me in the door, but the real deal was different. My credit’s good—high 700s—so I qualified. But the catch? The 0% was only on the top-tier trim of the SUV I wanted, which was packed with features I didn’t need. The base model, which was perfect for me, didn’t qualify for the promo rate.

The salesman was upfront: “The factory sets these rules to move specific cars.” He showed me the math. Taking a fat rebate on the base model and a standard loan actually saved me more over six years than the 0% on the loaded model. It was an eye-opener.

My advice? Walk in knowing your numbers. Have a loan calculator ready on your phone. The 0% is a great headline, but the best financial move might be hiding in the fine print as a cash bonus.

[DiAnastasia]

Let’s talk credit. Everyone sees “0%,” but almost no one talks about the gatekeeper: your FICO Auto Score. For these top-tier offers, you’re not just aiming for “good” credit. You need what’s internally called “Tier 0” credit, which usually means a spotless history and a score north of 740.

If you’re on the bubble, say 720, the dealer’s finance manager might still present the offer, but the bank could come back with a counteroffer at 2.9% or 3.9%. That’s why you see disclaimers like “for well-qualified buyers.”

Before you get excited about a specific car, do a hard check on your own credit. Know exactly where you stand. It saves hours of negotiation on a car you love only to find the dream rate was never truly on the table for you.

[Reyes]

The shift to electric vehicles is driving a lot of these offers. Manufacturers are pushing hard to meet sales targets, and 0% financing on EVs like the Kia EV6, Chevy Equinox EV, and Ford F-150 Lightning is a direct result. It’s a strategic move.

They’re not just competing with other automakers; they’re trying to overcome the higher initial price point that still worries some buyers. A 72-month loan at 0% significantly lowers the monthly payment on a $50,000 EV, making it comparable to financing a cheaper gas car at a standard rate.

If you’re EV-curious, now is a historically good time to look at financing. Just remember, the offer is usually on the current model year sitting on the lot. The 2026s are getting these deals because the 2027s are coming.

[DelBrooklyn]

As a former finance manager at a dealership, I handled these promotions daily. The single biggest mistake shoppers make is not getting pre-approved elsewhere. You must walk in with your own financing pre-arranged from a credit union or bank.

Why? It gives you a real baseline. When the dealer says, “The best we can do for you is 4.5%,” you can say, “My credit union approved me for 3.9%. Can you beat that to earn my business?” This often unlocks better rates or reveals hidden lender incentives.

The 0% offer is a manufacturer subvented rate—the automaker buys down the interest for the bank. It’s a loss leader. Their goal is to get you focused solely on the monthly payment at 0%, distracting from the total vehicle price. Always negotiate the final sale price first, before ever discussing financing or trade-in. Once the price is locked, then you can discuss whether the 0% factory offer or a separate cash rebate is the better financial tool for that agreed-upon price. The dealer’s system will automatically calculate which option is better for your specific deal.