Which car brands offer 0% financing?

[MacReed]

As of April 2026, Kia, Ford, Nissan, Subaru, and Jeep are among the major brands offering national 0% APR financing deals, primarily on select 2025 and 2026 models. These promotions are typically tied to inventory clearance and require excellent credit. The most competitive offers include 0% for up to 72 months on models like the Kia EV6 and EV9, while many others provide 0% for 60 months.

Current 0% APR Offers (April 2026) Market data from sources like Edmunds and manufacturer announcements indicate the following active national programs. These offers are generally set to expire on April 30, 2026, and availability can vary by dealership region.

Brand	Offer Details	Eligible Models (Examples)
Kia	0% APR for 72 months	2025 EV6, 2026 EV9
	0% APR for 48 months	2025 Sportage, Sorento
Ford	0% APR for 60 months	2025 F-150, F-150 Lightning
Nissan	0% APR for 60 months	2026 Rogue, 2025 Pathfinder
Subaru	0% APR for varying terms	2025 Forester, Outback, WRX
Jeep	0% APR for varying terms	2025 Grand Cherokee, Gladiator; 2026 Wrangler
Chevrolet	0% APR for 60 months	Blazer EV, Equinox EV, Silverado EV
Volkswagen	0% APR for 60 months	2026 Atlas

Other brands with select 0% financing include Lexus on the RZ electric SUV, Lincoln on the Corsair, Lucid on the Gravity, and Dodge on the Durango. It is important to note that these are often on specific trims or configurations.

The primary incentive for automakers is to move existing inventory, particularly for outgoing model years or specific vehicle types. Industry reports suggest that electric vehicles (EVs) are increasingly included in these promotions as competition in that segment intensifies.

Securing a 0% APR deal almost universally requires a top-tier credit score, typically considered 740 or above. Lenders use these exclusive rates as a reward for low-risk borrowers. If your credit history is strong, this financing can lead to significant interest savings compared to standard loan rates.

Always confirm the final details with your local dealership. National advertisements provide a framework, but final availability, eligible trim levels, and exact loan terms can differ based on regional inventory and the dealership's own policies. A 0% offer is a powerful tool, but it should be evaluated alongside potential cash rebates which might provide greater overall value depending on the loan amount and term.

[MorganLee]

I just leased a Kia EV6 last week, and the finance guy mentioned the 0% deal on purchases. He said it’s real, but you’ve gotta have near-perfect credit to get it. They’re really pushing the 2025 models out the door before the newer ones arrive.

He showed me the sheet—72 months at zero percent. Sounds amazing, but it’s only on certain trims. The catch? It might replace a big cash-back offer. So you gotta do the math: is saving on interest better than a straight discount off the price?

My advice? Walk in knowing your credit score. If it’s not in the excellent range, they’ll likely show you a higher rate pretty quickly. The offer ends this month, so there’s a bit of pressure to decide.

[SanLeila]

Working at a dealership, I see how these 0% offers work from the inside. They are legitimate manufacturer-sponsored programs, not a gimmick. However, they are a precision tool for a specific buyer.

We primarily use them to clear specific inventory. Right now, that’s often last year’s models or certain electric vehicles that have ample stock. When a customer comes in asking for the 0% deal on the Nissan Rogue, I first have to check if their specific desired color and trim is included in the program—often, it’s not every unit on the lot.

The credit qualification is strict. The system automatically flags applications. If the score isn’t high enough, the 0% rate simply isn’t an option from the bank. We then pivot to discussing alternative financing or seeing if a customer qualifies for a separate cash incentive instead.

The key for buyers is to be flexible on model and trim, and to get pre-approved so you know where you stand before getting excited about a particular car.

[VonAdelyn]

From a financial planning perspective, a 0% APR loan is a powerful benefit, effectively acting as a hedge against inflation. You’re paying back the loan with money that is, in theory, worth less in the future.

However, it’s crucial to compare the total cost. Sometimes, the manufacturer offers a choice: $3,000 cash back or 0% financing. On a $40,000 loan over 60 months at a hypothetical 5% rate, the interest paid would be about $5,300. The 0% financing saves you that. But if the cash bonus is $4,000, and you can secure a low-interest loan elsewhere, the cash might be the better value.

These offers also rarely include the most basic trim. You may be incentivized to finance a more expensive version of the car. Always calculate the total out-the-door price with all options, not just the monthly payment under 0%.

[DiAubrey]

Having tracked auto incentives for years, the landscape for 0% financing is shifting. Traditionally reserved for slow-selling sedans and trucks, it’s now a key battleground in the electric vehicle market. Brands like Kia, Ford, and Chevrolet are using 0% APR to attract early adopters to models like the EV9, F-150 Lightning, and Blazer EV.

This trend is confirmed by industry analysts who note that EV inventory levels have grown, prompting more aggressive financing tactics to compete with Tesla’s direct sales model. The inclusion of luxury brands like Lexus and Lucid in this space is particularly noteworthy, signaling a competitive premium EV market.

The regional variation is significant. A 0% offer advertised nationally in California might not be available on the same terms in Ohio, due to different inventory pressures. It’s always a negotiation starting point.

Remember, these are short-term sales tools. The April 30th expiry is a real deadline. If you miss it, similar offers may return, but likely on different models or with different terms as manufacturers adjust their quarterly sales strategies.