0% APR car deals, right now
Every zero-percent financing program currently running — 60 offers from 12 brands — straight from official OEM programs, with qualifying models, terms, and the date each program ends. Updated November 2026. Rates assume top-tier credit; the selling price stays fully negotiable on every one of these.
Chrysler
All Chrysler incentives →Hyundai
All Hyundai incentives →Infiniti
All Infiniti incentives →Lincoln
All Lincoln incentives →Nissan
All Nissan incentives →Subaru
All Subaru incentives →0% is the rate. The price is still a fight.
Dealers know zero-percent shoppers stop negotiating. Our AI agent gets the itemized out-the-door price in writing first — add-ons stripped, fees challenged — then the financing applies to a number that's actually been negotiated.
CarWhere AI Car Buying — $34.99/month, cancel anytime.
Under 3% APR right now
126 near-zero offers worth checking when a true 0% isn't running on the car you want.
0% APR, honestly
Is 0% APR really free money?
The financing itself is — you repay exactly what you borrow. The catch is usually in what you give up: 0% offers often can't be combined with cash rebates, so on some models taking the rebate and outside financing beats 0%. Run both totals before choosing.
Who qualifies for 0% APR?
Top-tier credit, typically. Manufacturers reserve zero-percent for their best credit tiers (usually ~720+ scores, often higher), and shorter terms are easier to qualify for than 72-month offers.
Does 0% APR mean the price is not negotiable?
No — the rate and the price are separate negotiations. The selling price, trade-in value, and fees all remain fully negotiable on a 0% deal, and dealers sometimes pad the price expecting 0% shoppers not to push back. Negotiate the out-the-door price first, then apply the financing.
Why do offers end so soon?
OEM programs run in monthly or quarterly windows and get replaced — the end dates shown are the current program expirations. Offers are frequently renewed or improved at month-end, which is also when dealers are chasing targets.
Programs are national unless a region is noted and change without notice; always confirm current terms with the dealer. Check what buyers actually paid for the model before applying any financing to the price, and browse every current incentive by brand.