The best 0% financing deals on new cars, SUVs, and trucks in March feature no-interest auto loans for 72 months plus as much as $30,000 in financing incentives that can save you money. In many cases, 0% APR deals on cars can easily beat the best current interest rates from banks and credit unions.
While it may seem like rates are only going up, some car brands are still offering zero-interest loans on cars. Most of these incentives may require top-tier credit to qualify and can sometimes vary by region. Be sure to check with your local car dealership for customized financing based on your credit score.
Updated March 6th
Best 0% APR SUV Deals
Ford Edge Financing Deal: 0% APR For 72 Months + $2,500 Off MSRP
2024 Ford Edge buyers in California may notice that Ford extended 0% financing to 72 months (up from 60). What's more, you can stack the incentive with a $1,000 Customer Cash incentive plus $1,500 in Bonus Cash. That's $2,500 in savings plus zero-interest financing for 6 years. All styles are eligible through April 2nd.
Ford Mustang Mach-E Financing Deal: 0% APR For 72 Months + $3,000 Off MSRP
You can now get 0% financing for 72 months on any version of the 2023 Ford Mustang Mach-E. Previously, the best deal was 0% APR for 60 months. Before that, 0% financing was limited to just 36 months. But that's not all.
GT styles offer $3,000 in bonus cash that can be stacked with 0% APR. This marks one of the best deals we've ever seen on the Mach-E. On February 20th, Ford also cut Mach-E MSRP prices by as much as $8,100 on some trims.
Buyers should be aware that the Mach-E no longer qualifies for a $3,750 federal tax credit.
Kia EV6 Financing Deal: 0% APR For 60 Months
Last week, Kia cut interest rates on the 2024 EV6 to 0% for the first time. That's a big deal if you were looking to buy rather than lease. Kia's latest EV6 deal matches Hyundai's offer on the popular IONIQ 5. We think both EVs offer compelling alternatives to traditional gas vehicles.
Volkswagen Tiguan Financing Deal: 0% APR For 60 Months
The 2024 Volkswagen Tiguan benefits from its best 0% financing deal to date. Through April 30th, all versions of the spacious SUV feature zero-percent financing for 60 months. 0% APR deals on the Tiguan are extremely rare. This could be a sign that VW wants to sell these ASAP before the redesigned 2025 Tiguan arrives.
Hyundai IONIQ 5 Financing Deal: 0% APR For 60 Months
Through April 1st, Hyundai is offering 0% APR financing for 60 months on all versions of the 2024 IONIQ 5. This is the result of a price cut late last month.
While we certainly love the option of having 0% financing, it's also worth knowing that Hyundai cut IONIQ 5 lease prices to $299 per month (a $140-per-month price cut). If you want to get the most for your money, leasing the IONIQ 5 could be a considerably better deal.
Toyota bZ4X Financing Deal: 0% APR For 72 Months
Through April 1st, all versions of the 2023 Toyota bZ4X feature 0% financing for up to 72 months. However, last month's $2,500 in TFS APR Cash is gone. TFS APR Cash was a financing bonus that you could get when taking out a loan through Toyota Financial.
As of this writing, this bZ4X deal effectively matches that of the Subaru Solterra. If you don't need the all-wheel drive of the Solterra, this bZ4X deal could be worth a look. Note that the Toyota bZ4X remains ineligible for a $7,500 federal tax credit when purchasing.
Subaru Solterra Financing Deal: 0% APR For 72 Months
Subaru Solterra buyers can once again get 0% financing for up to 72 months. Previously, Solterra 0% financing was limited to just 48 months. On a $50,000 vehicle, we estimate that this could help buyers significantly lower their monthly payments.
Having said that, we still think that Subaru Solterra leases may be a better deal. Like last month, the advertised lease on the 2023 Solterra Premium is still just $399 with $399 due at signing thanks to a massive price cut. Current offers end on April 1st.
Nissan Ariya Financing Deal: 0% APR For 72 Months
The 2023 Nissan Ariya benefits from the best deal we've ever seen at 0% APR for 72 months. Previously, the best rate was 5.5%. The downside is that Nissan is no longer offering $3,750 in NMAC Special APR Cash, a rebate you used to be able to get when financing.
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Best 0% APR Car Deals
Dodge Challenger Financing Deal: 0% APR For 72 Months
The 2023 Dodge Challenger has a rare deal when financing through Chrysler Financial. Through April 1st, the Challenger R/T offers 0% financing for 72 months. The catch is that other trims, such as the Challenger SRT Hellcat, aren't included. Expect to see less favorable interest rates on the performance models.
What's unusual is that Dodge is allowing buyers to stack the financing with its Dodge Power Dollars rebate. It's a $10-per-horsepower incentive that offers $3,750 in savings on top of zero-percent financing. This is a truly unusual deal we think may be worth taking advantage of if you're in the market for a muscle car.
Dodge Charger Financing Deal: 0% APR For 72 Months
The Dodge Charger offers one last chance to score a deal before it goes away for good. Through April 1st, the 2023 Charger R/T offers 0% financing for 72 months through Chrysler Capital. While this appears to be a regional incentive in California, we consider it an incredible value.
Interestingly, this month's deal is limited to the R/T trim whereas last month's offer was on the Charger GT. What's more, you can stack 0% financing with the Dodge Power Dollars Bonus for $3,700 in additional savings. That's the best deal we've seen to date on the 2023 Charger.
Toyota Mirai Financing Deal: 0% APR For 72 Months + $30,000 APR Cash
The 2024 Toyota Mirai still has the best 0% financing deal on any car. Although the hydrogen-fuel-cell-electric car is only sold in California, buyers can get no interest for 6 years and as much as a $30,000 discount that you can only get when financing.
The Limited trim has the best deal, while the entry-level Mirai XLE offers a $22,000 discount. The catch is that these discounts are only available when buying and not when leasing. This remains one of the best deals on an electrified vehicle.
A month ago, the now-sold-out 2023 Toyota Mirai turned heads with a whopping $40,000 discount. Will the latest version of the hydrogen car get a similar deal eventually? That remains unclear. As before, Toyota is also offering a $15,000 fuel card.
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Best 0% APR Truck Deals
Chevy Silverado Financing Deal: 0.9% APR For 36 Months
The 2024 Chevy Silverado has interest rates as low as 0.9% APR through April 30th. While that's close to zero-percent financing, it's limited to loans of up to 36 months. This could seriously diminish the appeal of the low rate. Fortunately, longer-term loans have attractive interest rates, too.
For example, 72-month loans on the Silverado Crew Cab in Texas have a rate of just 1.9% APR. In other parts of the country, the financing deal is 2.9%. Just be aware that these are standalone deals that can't be combined with other incentives. This could mean giving up big truck rebates.
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Are 0% APR Car Loans Worth It?
If you're tempted by 0% APR, it's important to keep in mind that there may be factors that determine whether or not 0% APR is worth it. At one point, RAM offered a choice between 0% APR for 72 months and $10,000 in savings. To find the best deal, you may need to weigh the total cost versus the monthly payment.
On a $50,000 truck, taking the financing would cost $50,000 at $694/month before taxes & fees. With a $10,000 discount, the same truck would cost $46,382 at $644/month assuming a rate of 5%. Here, taking the rebate would cost $50 less per month and be over $3,600 more affordable over the course of the loan.
So should you choose rebates or 0% APR? That depends. You may find that a lower payment trumps all for the sake of affordability. However, it's also important to look at the total cost and weigh the risks of negative equity. After all, lower payments can make it very easy to buy more car than you may be able to afford.
Sadly, rising inflation has promoted multiple Fed rate hikes. As a result, 0% APR car loans have become a lot harder to find. Even if you can manage to score a zero-interest loan, the odds are that the term will be a lot shorter than you'd like. Consider timing your purchase to find the best times to buy a car.
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