Getting a loan to buy a car is a big financial decision for many buyers. 0% financing is one of the best deals that car dealers offer. It lets buyers buy a car without having to pay any interest on their loan. This guide will show you which car dealerships offer 0% financing, how to qualify, and ways to save the most money.
What Does 0% Financing Mean?
With 0% financing, the dealer or manufacturer pays the interest on the car loan, so you only have to pay back the principal amount over a set period of time. If you buy a $30,000 car with a 0% financing deal for 36 months, you will pay $30,000 over 36 months with no interest added.
Manufacturers usually offer this kind of financing to help them sell more cars, especially new ones. It might seem too good to be true, but getting 0% financing usually means you have a good credit score and sometimes comes with other restrictions, like certain loan terms or models that are eligible.
Car Dealerships Will Offer 0% Financing in 2025
Some of the biggest car makers and dealers offer financing with no interest on new cars. Here is a list of well-known brands and dealers:
1. Dealers for Toyota
Toyota often offers 0% APR financing on popular models like the Camry, Corolla, and RAV4. Most of the time, these deals last for 36 to 60 months. These deals are usually advertised on Toyota’s official website and at authorised dealerships. They are only available to people with good credit.
2. Honda Dealerships
Honda has 0% financing deals on cars like the Civic, Accord, and CR-V. Depending on the model and availability, financing terms can be anywhere from 36 to 72 months. Dealers can also combine these deals with manufacturer rebates to save even more money.
3. Ford Dealerships
Ford often offers 0% APR financing on certain models, such as the F-150, Mustang, and Escape. Most of the time, only people with good credit can get these deals. You can find them during special sales events or seasonal promotions.
4. Chevy Dealers
Chevy often has 0% financing deals on cars like the Silverado, Equinox, and Traverse. Offers may be different in different parts of the country, so it’s a good idea to call your local dealerships to find out about current deals.
5. BMW and high-end car dealers
Even high-end brands like BMW, Audi, and Mercedes-Benz sometimes offer 0% financing, mostly to get people to buy newer models. Most of the time, these deals are only good for a short time and require a good credit score.
Advantages of 0% Financing
Save Money on Interest: The main benefit is clear: you don’t have to pay interest, which lowers your total cost.
Payments that are easy to plan: Monthly payments are set, which makes it easier to plan your budget.
Chance to Buy a Newer Car: Buyers can afford models they might not have thought of otherwise with 0% financing.
How to Get 0% Financing
Not everyone can get 0% financing. These are the most important things you need to do:
Good Credit Score: Most dealers want you to have a credit score of at least 700.
Short Loan Terms: Standard interest rates are often used for longer loans, and 0% financing is usually available for loans of 36 to 72 months.
Eligible Vehicles: Offers usually only apply to certain models or trims.
Manufacturer Incentives: Sometimes, picking a rebate over 0% financing can save you even more money. Compare the two options.
How to Get the Most Out of 0% Financing Deals
Compare Offers from Different Dealers: Even for the same model, different dealerships may have different deals.
Read the loan terms carefully to make sure the 0% APR applies to the whole loan term and not just the first few months.
Don’t Buy Unnecessary Extras: Dealers may try to sell you extras that raise the principal, which makes 0% financing less useful.
If you can, combine with rebates: Some companies let you combine 0% financing with cash-back offers to save even more.
Things People Get Wrong About 0% Financing
It’s Always the Cheapest Option: 0% financing may sound good, but sometimes getting a rebate and financing through a bank can save you more money overall.
It’s open to everyone: Only buyers with good credit and cars that meet the requirements can get these deals.
No Need to Bargain: Some buyers think that 0% financing means no need to bargain, but you can still get a better price on the car.
Questions and Answers (FAQs)
Q1: Is it possible to get 0% financing if I have bad credit?
A1: Sorry, but 0% financing is usually only available to people with good credit. People with lower scores may need to look into standard loans or dealership financing programs.
Q2: How long do offers of 0% financing last?
A2: Offers differ from one manufacturer and dealership to the next, but they usually only last for a short time, like when new models come out or during seasonal sales.
Q3: Do you have to pay hidden fees when you get 0% financing?
A3: Buyers should be aware of fees like documentation fees, extended warranties, or optional add-ons, even though interest is not charged.
Q4: Is it possible to combine trade-in offers with 0% financing?
A4: Yes, a lot of dealers let you trade in your old car and get 0% financing at the same time. This lowers the total cost of your new car.
In conclusion
People with good credit can save money and make predictable payments on a new car with 0% financing. In 2025, companies like Toyota, Honda, Ford, Chevrolet, and even luxury car makers will be offering these deals. You can get the most out of 0% financing and drive away in your dream car for less money overall if you know what the requirements are, compare offers, and don’t get extras that you don’t need.
0% financing, auto dealers, car financing, 0% APR, best car deals 2025, and dealership financing are some of the most important words.
Secondary Keywords: car loans, incentives from the manufacturer, deals on new cars, auto loans with no interest, and tips for buying a car