If you’re wondering what cars are offering zero percent financing in 2025, you’re not alone. As interest rates continue to rise, zero percent APR offers remain one of the most affordable ways to finance a new vehicle. Fortunately, major automakers are still offering zero interest deals on select models. Therefore, now is a smart time to buy.
In this comprehensive guide, you’ll discover exactly what cars are offering zero percent financing, how to qualify, and how to take advantage of these limited-time offers without missing important details.
Understanding What Zero Percent Financing Means for Car Buyers
Before diving into the details of what cars are offering zero percent financing this year, it’s essential to understand what 0% APR actually means. In simple terms, it allows you to borrow money to buy a car without paying any interest over the loan term.
For example, if you finance a $30,000 car over 60 months at 0% APR, your monthly payment would be $500. However, financing the same amount at a 6% interest rate would result in over $3,000 in additional interest charges.
Clearly, zero percent car loans can lead to significant savings, especially in 2025’s high interest market.
What Cars Are Offering Zero Percent Financing from Top Automakers in 2025
So, what cars are offering zero percent financing this year? Let’s explore which automakers are providing these attractive incentives.
Toyota Cars Offering Zero Percent Financing on Reliable Models
Toyota continues to be one of the top brands offering zero percent financing in 2025. Popular models with 0 percent APR include:
Toyota Corolla
Toyota Camry
Toyota RAV4 (on select trims)
These deals often range from 36 to 48 months and vary slightly by region. To stay updated, visit Toyota’s incentives page.
What Ford Vehicles Are Offering Zero Percent Financing in 2025
Ford remains a strong contender, especially if you’re looking for larger vehicles. You can find 0 percent financing deals on:
Ford F150
Ford Escape
Ford Edge
While these deals usually require excellent credit and shorter loan terms, they may also be combined with loyalty bonuses, giving buyers additional value.
Chevrolet Cars Offering Zero Percent Financing with Flexible Terms
Chevrolet offers some of the most flexible 0 percent APR deals in 2025. If you’re still asking what cars are offering zero percent financing and you want variety, Chevrolet is worth considering:
Chevrolet Silverado 1500
Chevrolet Equinox
Chevrolet Malibu
Qualified buyers can find financing terms of up to 60 months, making these deals more budget friendly.
Hyundai Models Offering Zero Percent Financing for Budget-Minded Shoppers
Hyundai consistently provides budget friendly financing offers with added value. Models currently offering 0 percent APR include:
Hyundai Elantra
Hyundai Sonata
Hyundai Tucson
Hyundai’s incentives often come bundled with benefits like free maintenance and extended warranties, providing long term peace of mind.
Honda: Selective Yet Valuable 0 Percent Offers
Though less frequent, Honda does offer 0 percent APR deals in 2025 on select models, including:
Honda Civic
Honda CRV
However, these offers are usually regional and may require trade ins or loyalty qualifications. Still, they present great value if you qualify.
How to Qualify for Zero Percent Car Financing
Knowing what cars are offering zero percent financing is only part of the equation. To secure a 0 percent APR deal, you must meet strict requirements set by lenders or manufacturers. Typically, these include:
A credit score of 720 or higher
Stable employment with verifiable income
Low debt-to-income ratio
Down payment or vehicle trade-in
Willingness to accept shorter loan terms (usually 36 to 48 months)
Even if you fall short of these standards, don’t worry. Many automakers offer low interest alternatives like 1.9 percent or 2.9 percent, which still deliver solid value.
Pros and Cons of Choosing Cars with Zero Percent Financing
Like any financing option, 0 percent APR offers come with advantages and potential drawbacks.
Benefits of 0 Percent APR Deals
You avoid interest charges, potentially saving thousands
Payments are predictable and stable, which is great for budgeting
These deals are often available on top selling models
Drawbacks to Consider
Monthly payments may be higher due to shorter repayment terms
Some offers require you to forfeit rebates or discounts
Approval is limited to buyers with excellent credit
It’s always wise to use an auto loan calculator to compare 0 percent APR offers with cash rebate options so you can determine what truly saves you the most.
Should You Choose a Car with Zero Percent Financing or Take the Rebate?
Often, buyers are presented with a choice between zero percent financing and a cash rebate. Ultimately, which option is better depends on your financial goals and how you plan to pay.
If you qualify for 0 percent APR and intend to finance, then this is usually the lowest total cost over the long term. On the other hand, if you’re paying in cash or already have access to a low interest loan, choosing a rebate might reduce your upfront cost more effectively.
Therefore, it’s essential to compare the total cost of ownership under both scenarios. In doing so, you can ensure you’re making the most financially sound decision.
Expert Tips to Lock in Cars Offering 0 Percent Financing Deals
To make the most of these limited-time offers, follow these expert strategies. First of all, check your credit score in advance to understand your eligibility. Next, get preapproved for a loan, as this will significantly improve your negotiation leverage at the dealership. In addition, shop around at multiple dealerships to compare financing terms and secure the most favorable deal.
Furthermore, consider buying during seasonal promotions like holiday sales or year-end clearance events, as these often come with added incentives. Before discussing financing, always negotiate the vehicle price first to ensure you aren’t overpaying. Lastly, read the fine print carefully to avoid unexpected fees or required add-ons that can offset the benefits of zero percent financing.
When to Shop for Zero Percent Financing Offers
Timing your purchase is crucial. Automakers tend to promote aggressive financing deals during specific periods, including:
Memorial Day, Labor Day, Presidents Day, and other major holidays
End of quarter sales
Model year end clearance events (typically August through December)
By planning ahead, you can increase your chances of locking in a zero percent APR deal on the car you want.
What If You Don’t Qualify for Zero Percent APR?
If you find out you don’t qualify, you still have several strong alternatives:
Low interest loans from credit unions or banks (as low as 1.9 percent)
Manufacturer sponsored financing for near prime borrowers
Leasing options, which often have more lenient credit criteria
Websites like Bankrate are helpful for comparing auto loan offers before heading to the dealership.
Final Thoughts: What Cars Are Offering Zero Percent Financing in 2025?
Now that you know what cars are offering zero percent financing in 2025, you’re better equipped to make a smart, financially sound decision. In fact, from Toyota and Ford to Chevrolet, Hyundai, and Honda, multiple automakers are currently providing competitive 0% APR deals this year.
To maximize your chances of saving, follow these key steps:
First, check your credit report
Next, shop at the right time
Finally, compare all available incentives carefully
With the right strategy and thorough preparation, you can confidently drive away in a new vehicle this year and best of all, without paying a single dollar in interest.
