Best 0% APR Car Deals Right Now (July 2026)
Zero-percent financing means you pay no interest on your car loan — the manufacturer subsidizes the rate. Here's every 0% APR offer and low-rate financing deal available in July 2026, compiled from manufacturer websites.
Last updated: July 8, 2026
0% APR Financing Offers
These vehicles currently offer 0% APR financing — you'll pay zero interest over the life of the loan. Always confirm eligibility with your dealer, as credit qualifications may apply.
| Vehicle | APR | Term | MSRP | Shop |
|---|---|---|---|---|
 2026 Nissan Frontier | 0% | 60 mo | $39,028 | Shop |
| 2026 Nissan Murano | 0% | 60 mo | $45,201 | Shop |
| 2026 Nissan Rogue | 0% | 60 mo | $33,056 | Shop |
| 2026 Nissan Pathfinder | 0% | 60 mo | $44,781 | Shop |
 2026 Ram 1500 | 0% | 60 mo | $57,460 | Shop |
 2026 Chevrolet Silverado 1500 | 0% | 60 mo | $53,617 | Shop |
 2026 Toyota C-HR | 0% | 72 mo | $40,268 | Shop |
 2026 Jeep Grand Cherokee | 0% | 60 mo | $44,871 | Shop |
 2025 Hyundai Palisade | 0% | 72 mo | $50,906 | Shop |
| 2025 Hyundai IONIQ 6 | 0% | 60 mo | $45,600 | Shop |
| 2026 Hyundai IONIQ 5 | 0% | 72 mo | $43,300 | Shop |
| 2026 Hyundai IONIQ 9 | 0% | 72 mo | $62,765 | Shop |
 2025 Ford Ranger | 0% | 60 mo | — | Shop |
| 2025 Ford SuperDuty | 0% | 48 mo | — | Shop |
| 2025 Ford Transit Commercial | 0% | 60 mo | — | Shop |
| 2025 Chevrolet Silverado EV | 0% | 60 mo | — | Shop |
 2026 Volkswagen Atlas | 0% | 60 mo | — | Shop |
| 2025 Jeep Gladiator | 0% | 60 mo | — | Shop |
| 2026 Jeep Wrangler 4-Door | 0% | 36 mo | — | Shop |
| 2025 Jeep Wagoneer S | 0% | 72 mo | — | Shop |
| 2025 Ram 3500 | 0% | 36 mo | — | Shop |
| 2026 Ram 2500 | 0% | 36 mo | — | Shop |
 2026 Dodge Durango | 0% | 60 mo | — | Shop |
 2026 Chrysler Pacifica | 0% | 60 mo | — | Shop |
 2025 GMC HUMMER EV | 0% | — | — | Shop |
| 2026 GMC Sierra 1500 | 0% | 4 mo | $55,370 | Shop |
 2025 Lincoln Aviator | 0% | 84 mo | — | Shop |
| 2025 Lincoln Navigator | 0% | 36 mo | — | Shop |
 2026 Lexus RZ | 0% | 60 mo | $50,000 | Shop |
 2026 INFINITI QX60 | 0% | 36 mo | — | Shop |
| 2026 INFINITI QX80 | 0% | 60 mo | — | Shop |
 2026 Genesis Gv60 | 0% | 60 mo | — | Shop |
 2026 Land Rover Discovery | 0% | 48 mo | $60,200 | Shop |
 2026 Kia Niro EV | 0% | 72 mo | $41,600 | Shop |
 2026 Tesla Model Y | 0% | 72 mo | $46,630 | Shop |
Low APR Offers (0.9% - 2.9%)
Not quite 0%, but still well below average new car loan rates. These low-rate offers can save you thousands in interest compared to standard dealer financing.
| Vehicle | APR | Term | MSRP | Shop |
|---|---|---|---|---|
 2026 Subaru Forester | 0.9% | 36 mo | — | Shop |
 2026 Mazda CX-50 | 0.9% | 36 mo | — | Shop |
| 2026 Mazda CX-70 | 0.9% | 36 mo | — | Shop |
| 2026 Volkswagen Tiguan | 0.9% | 60 mo | — | Shop |
 2026 BMW X3 | 0.9% | 60 mo | $71,250 | Shop |
| 2026 BMW 7 Series | 0.9% | 60 mo | $128,000 | Shop |
| 2026 BMW X7 | 0.9% | 60 mo | $119,350 | Shop |
 2024 Jaguar F-TYPE | 0.9% | 60 mo | $77,900 | Shop |
| 2024 Jaguar XF | 0.9% | 60 mo | $49,800 | Shop |
 2026 MINI Countryman | 0.9% | — | $40,075 | Shop |
| 2025 Hyundai Kona EV | 0.99% | 48 mo | $41,150 | Shop |
| 2026 Chevrolet Blazer | 1.9% | 36 mo | — | Shop |
| 2026 Subaru Ascent | 1.9% | 36 mo | — | Shop |
| 2026 Mazda Mazda3 | 1.9% | 60 mo | — | Shop |
| 2025 GMC Acadia | 1.9% | — | — | Shop |
| 2026 Lexus NX PHEV | 1.9% | 60 mo | — | Shop |
| 2026 Land Rover Range Rover Velar | 1.9% | 60 mo | $61,600 | Shop |
| 2026 Land Rover Range Rover Evoque | 1.9% | 60 mo | $49,900 | Shop |
| 2026 Land Rover Range Rover Sport | 1.9% | 60 mo | $83,700 | Shop |
| 2026 BMW 5 Series | 1.99% | 60 mo | $67,300 | Shop |
| 2026 BMW 3 Series | 1.99% | 60 mo | $55,900 | Shop |
 2025 Mercedes-Benz GLC | 1.99% | 24 mo | — | Shop |
| 2025 Mercedes-Benz GLE | 1.99% | 24 mo | — | Shop |
| 2025 Mercedes-Benz EQE | 1.99% | 24 mo | — | Shop |
| 2025 Mercedes-Benz EQS | 1.99% | 24 mo | — | Shop |
 2025 Acura ADX | 1.99% | 60 mo | — | Shop |
| 2026 Genesis Gv70 | 1.99% | 36 mo | — | Shop |
| 2026 MINI Convertible | 1.99% | — | — | Shop |
 2026 Honda CR-V | 2.49% | 36 mo | $36,900 | Shop |
| 2026 Lexus RX PHEV | 2.49% | 24 mo | — | Shop |
| 2026 Chevrolet Trax | 2.9% | 48 mo | — | Shop |
| 2025 Mazda CX-5 | 2.9% | 60 mo | — | Shop |
| 2026 Mazda CX-30 | 2.9% | 36 mo | — | Shop |
 2025 Cadillac CT4 | 2.9% | 60 mo | — | Shop |
| 2025 Cadillac CT5 | 2.9% | 60 mo | — | Shop |
| 2025 Cadillac Escalade IQ | 2.9% | 60 mo | — | Shop |
| 2026 Cadillac OPTIQ | 2.9% | 60 mo | — | Shop |
| 2026 Cadillac VISTIQ | 2.9% | 60 mo | — | Shop |
| 2025 Cadillac XT5 | 2.9% | 60 mo | — | Shop |
| 2026 Cadillac LYRIQ | 2.9% | 60 mo | — | Shop |
| 2026 Land Rover Defender | 2.9% | 60 mo | $73,000 | Shop |
| 2026 Jaguar F-PACE | 2.9% | 60 mo | $57,000 | Shop |
Best Financing Deals This Month
Financing 2026 Nissan Frontier
MSRP from $39,028
0% APR for 60 months, or $4,500 customer cash with a 3.9% alternative rate. The best retail truck deal in the market once you stack a dealer discount.
Financing 2026 Nissan Murano
MSRP from $45,201
0% APR for 60 months, or $5,000 customer cash with a 3.9% rate. Redesign launch — the cash is an OEM push, not distress.
Financing 2026 Nissan Rogue
MSRP from $33,056
0% APR for 60 months, or $3,500 customer cash with a 3.9% rate, in the most competitive crossover segment in America.
Financing 2026 Nissan Pathfinder
MSRP from $44,781
0% APR for 60 months, or $3,500 cash. A value leader in the 3-row SUV category.
Financing 2026 Ram 1500
MSRP from $57,460
0% APR for 60 months plus a ~12% national standalone discount. With 85,000+ units in inventory, negotiate 8–9% more to get close to 20% off MSRP.
Financing 2026 Chevrolet Silverado 1500
MSRP from $53,617
0% APR for 60 months for well-qualified buyers on a full-size truck with elevated inventory.
0% APR Deals by Brand
How 0% APR Financing Works
When a manufacturer offers 0% APR, they're effectively paying the interest on your auto loan. This is a powerful incentive that can save buyers thousands of dollars compared to standard financing rates, which averaged around 6-7% for new cars in 2026.
However, there are important things to know before choosing 0% APR:
- Credit requirements are strict. Most 0% APR offers require excellent credit (typically 720+ FICO).
- You may give up cash rebates. Manufacturers often make you choose between 0% APR and a cash rebate. Run the math — sometimes a rebate with standard financing saves more.
- Terms vary. A 0% APR offer for 36 months is very different from one for 72 months. Longer terms mean lower payments but the same total cost.
Use CarEdge's tools to compare the total cost of 0% APR vs. cash rebate for any vehicle. And always check dealer ratings before visiting the showroom.
More Car Deals
Browse every car deal available right now
Lease DealsBest lease specials this month
$0 Down LeasesNothing due at signing
Truck DealsBest deals on new trucks from every brand
SUV DealsTop SUV and crossover deals this month
Hybrid DealsSave on the most fuel-efficient new cars
Luxury DealsPremium car deals from top brands