0% APR Car Deals — August 2026

As of August 2026, CarWhere is tracking 44 true 0% APR financing offers and 211 additional low-APR manufacturer specials across 32 brands. Every offer below comes from live manufacturer incentive data — model, rate, term, and end date — not an editorial roundup.

True 0% APR offers

BrandVehicleAPRTermEnds
Ford2025 Superduty0%84 moAug 31
Ford2025 Chassis Cab0%84 moAug 31
Lincoln2026 Nautilus0%72 moSep 30
Lincoln2026 Navigator0%72 moSep 30
Lincoln2026 Navigator0%72 moSep 30
Jeep2025 Wagoneer S0%72 moAug 31
Mitsubishi2026 Outlander0%72 moAug 31
Mitsubishi2025 Outlander Plug-in Hybrid0%72 moAug 31
Mazda2026 CX-900%72 moAug 31
Mazda2026 CX-700%72 moAug 31
Nissan2026 Frontier0%60 moAug 31
Nissan2026 Rogue0%60 moAug 31
Nissan2026 Murano0%60 moAug 31
Infiniti2026 QX800%60 moSep 30
RAM2026 Ram 1500 Pickup0%60 moAug 31
RAM2026 Ram 1500 Pickup0%60 moAug 31
Kia2026 EV60%60 moAug 31
Nissan2026 Rogue Plug-in Hybrid0%60 moAug 31
Hyundai2026 Tucson0%60 moSep 8
Hyundai2026 Tucson0%60 moSep 8
Hyundai2026 Santa Fe0%60 moSep 8
Nissan2026 Pathfinder0%60 moAug 31
Lexus2026 Rz0%60 moAug 31
Lincoln2026 Nautilus0%48 moAug 31
Ford2025 Transit Commercial0%48 moSep 30

Showing the top 25 of 44 active offers — the full set is on each brand's incentives page.

Low-APR manufacturer specials

Sorted by rate — longest terms first within each rate.

BrandVehicleAPRTermEnds
MINI2026 Hardtop 2 Door0.0099%—Aug 31
MINI2026 Hardtop 4 Door0.0099%—Aug 31
MINI2026 Convertible0.0199%—Aug 31
MINI2027 Convertible0.0298999999999999%—Aug 31
MINI2026 Countryman0.0298999999999999%—Aug 31
MINI2027 Countryman0.0298999999999999%—Aug 31
MINI2027 Hardtop 4 Door0.0298999999999999%—Aug 31
MINI2027 Convertible0.0298999999999999%—Aug 31
MINI2026 Hardtop 2 Door0.0298999999999999%—Aug 31
MINI2027 Convertible0.0298999999999999%—Aug 31
Genesis2026 GV800.49%36 moSep 8
Subaru2026 Ascent0.9%72 moAug 30
Subaru2026 Ascent0.9%72 moAug 30
Cadillac2026 Optiq0.9%72 moAug 31
Cadillac2027 Optiq0.9%72 moAug 31
Cadillac2027 Vistiq0.9%72 moAug 31
Cadillac2026 Vistiq0.9%72 moAug 31
Mazda2026 CX-900.9%60 moAug 31
Volkswagen2026 Atlas0.9%48 moAug 31
Ford2026 F-1500.9%48 moSep 30
Chevrolet2027 Bolt0.9%36 moAug 31
GMC2026 Hummer EV0.9%36 moAug 31
GMC2026 Hummer EV0.9%36 moAug 31
BMW2026 X50.9%24 moAug 31
BMW2026 7 Series0.9%24 moAug 31

Showing the top 25 of 211 active offers — the full set is on each brand's incentives page.

Found a rate you like? Now get the price right.

Incentives lower the price before negotiation starts. Search live local inventory, then see what verified buyers actually paid for the same car after both.

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Frequently asked questions

Is 0% APR financing really free money?

The financing itself costs nothing in interest, but manufacturers often make you choose between 0% APR and a cash rebate — and the rebate can be worth more than the interest savings on shorter terms or smaller balances. Run both against your loan amount before choosing, and remember the selling price is still negotiable either way.

Who qualifies for 0% APR offers?

Typically top-tier credit (usually 700+ scores, often higher) through the manufacturer's captive lender, on select new models only. If you don't qualify, the advertised standard rates apply — which is why the same model's cash rebate can be the better deal for many buyers.

Can I negotiate the price AND keep the 0% APR?

Yes — the APR program is manufacturer money, and the selling price is dealer money. Negotiate the vehicle price first as if you were paying cash, then apply the financing offer. A dealer implying the price is fixed because of the promotional rate is negotiating, not stating policy.

How current is this list?

Offers are pulled from manufacturer incentive programs and refreshed continuously; expired offers drop off automatically. This page reflects programs active as of August 2026 with each offer's own end date shown.

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