Every Black Friday 0% APR Offer [2026]

35 new models from 15 brands carry 0% APR financing in November 2026, with terms from 30 to 72 months. Kia, Ford, Mazda, and Nissan have the most eligible models. Most offers end November 30, 2026, a few Ford offers end November 16, and Kia, Lincoln, and INFINITI offers run through January 4, 2027. Every offer below comes from a manufacturer or dealer page dated November 2026. Terms change and some vary by region, so confirm the offer and its end date with the dealer for your ZIP code.

Black Friday is November 27, 2026. Automakers usually post Black Friday offers in the week before November 27; this guide updates when they do.

The offer is only half the decision. CarEdge joined each 0% model against its national days’ supply: on-lot inventory divided by the average daily sales rate over the past 45 days. A model with high days’ supply and 0% APR gives a buyer both cheap money and room to negotiate the price. A model with low days’ supply and 0% APR gives cheap money only.

Black Friday is a good day to buy, but it is not the strongest. CarEdge’s data and advice point to December 26 into the first days of January, when monthly, quarterly, and annual dealer targets land in the same week. CarEdge recommends starting by December 15 and buying or leasing by December 31. CarEdge’s year-end plan matches you with recommended dealers near you, who send their price, and coaches you through the deal for free. If you want a Black Friday price, use the same page to get competing dealer quotes before November 27.

Jump to: 0% APR with the most room to negotiate · Every 0% offer by brand · Black Friday offers · FAQ · Sources

Which 0% APR Offers Come With the Most Room to Negotiate?

These are the 0% models that also appear in CarEdge’s October 27, 2026 days’ supply snapshot, sorted from the most supply to the least. CarEdge’s snapshot ranks the 25 fastest-selling, slowest-selling, best-selling, and worst-selling models, so days’ supply appears only for models in those lists.

Model	0% APR term	Valid through	Days’ supply	For sale on lots
Jeep Gladiator (2026)	36 mo	Nov 30, 2026	210	14,693
Lincoln Navigator (2026)	36 to 72 mo	Jan 4, 2027	184	7,835
Ram 1500 (2026)	60 mo	Nov 30, 2026	170	86,527
Ford Explorer (2026)	60 mo	Nov 16, 2026	115	55,371
GMC Sierra 1500 (2026)	60 mo	Nov 30, 2026	104	53,625
Chevrolet Silverado 1500 (2026)	60 mo	Nov 30, 2026	100	80,860
Ford F-150 (2026)	60 mo	Nov 16, 2026	96	90,356
Kia Sportage (2026)	48 mo	Jan 4, 2027	95	41,271
Hyundai Tucson (2026)	60 mo	Nov 30, 2026	85	35,734
Nissan Rogue (2026)	60 mo	Nov 30, 2026	85	41,470
Kia EV9 (2026)	60 mo	Jan 4, 2027	29	1,453
Subaru Uncharted (2026)	72 mo	Nov 30, 2026	23	135
Subaru Trailseeker (2026)	72 mo	Nov 30, 2026	8	124

Days’ supply and for-sale counts: CarEdge national market day supply, snapshot October 27, 2026. Figures sum the current and next model year and hybrid and plug-in variants of the same nameplate.

The top of this table is where 0% APR and price leverage meet. The Gladiator, Navigator, and Ram 1500 each carry more than 160 days of supply on top of factory 0% financing. The full-size trucks from Ford, Chevrolet, and GMC sit near 100 days, with tens of thousands of units on dealer lots.

The bottom of the table is different. The Subaru Trailseeker has 8 days of supply, the fastest-selling model in CarEdge’s snapshot. The 0% rate is real, but a dealer selling a car in about a week has little reason to discount it. Take the financing and expect to pay close to sticker.

$2,660: the average savings per CarEdge negotiation, across 162,349 negotiations as of November 2026, per CarEdge’s live results. A 0% rate lowers the cost of the loan; it does not lower the price of the car. That part is still negotiated, and on the high-supply models above, dealers have the most reason to move. Find your year-end deal with CarEdge, free, or let the CarEdge AI Buying Agent or a CarEdge Concierge handle the negotiation. The CarEdge year-end sale on Concierge, the AI Buying Agent, and CarEdge Pro runs through December 31, 2026, with sale prices applied automatically at checkout.

Every 0% APR Offer in November 2026, by Brand

Every row comes from a manufacturer or dealer page dated November 2026. 0% APR typically requires top-tier credit and financing through the automaker’s captive lender. Some offers vary by region, so confirm with the dealer for your ZIP code.

Chevrolet and GMC

• 2026 Chevrolet Silverado 1500: 0% APR for 60 months through GM Financial, with retail delivery by November 30, 2026, as part of Chevrolet’s Red Tag Sale. Sources disagree on that end date, so confirm it with the dealer.
• 2026 GMC Sierra 1500: 0% APR for 60 months, through November 30, 2026.

Chrysler, Jeep, and Ram

• 2026 Ram 1500: 0% APR for 60 months, through November 30, 2026.
• 2026 Jeep Gladiator: 0% APR for 36 months, through November 30, 2026.
• 2026 Jeep Wrangler: 0% APR for 36 months, through November 30, 2026.
• 2026 Chrysler Pacifica Select: 0% APR for 30 months, through November 30, 2026.

Ford and Lincoln

• 2026 Ford F-150: 0% APR for 60 months on most trims (Raptor excluded), with first-payment deferral up to 90 days, through November 16, 2026.
• 2026 Ford Explorer: 0% APR for 60 months plus $500 Mega Bonus Cash, through November 16, 2026. A 38-month 0% offer runs through January 4, 2027.
• 2026 Ford F-250 Super Duty XL: 0% APR for 60 months, through November 16, 2026.
• 2026 Ford Transit: 0% APR for 62 months on the Transit passenger van and up to 50 months on the Transit Chassis, through January 4, 2027.
• 2026 Lincoln Navigator, Aviator, and Nautilus: 0% APR for 36 to 72 months depending on trim, through January 4, 2027.

Hyundai

• 2026 Hyundai Tucson, including the Tucson Plug-in Hybrid: 0% APR for 60 months, through November 30, 2026.
• 2026 and 2027 Hyundai Santa Fe, including the Santa Fe Hybrid: 0% APR for 60 months, through November 30, 2026.

INFINITI

• 2027 INFINITI QX80: 0% APR for 60 months, through January 4, 2027.

Kia

• 2026 Kia Niro EV: 0% APR for 72 months, through January 4, 2027.
• 2026 Kia EV6: 0% APR for 60 months through Kia Finance America, through January 4, 2027.
• 2026 Kia EV9: 0% APR for 60 months, through January 4, 2027. CarsDirect lists it as a regional offer with $5,000 bonus cash.
• 2026 Kia Sorento, Sorento Hybrid, and Sorento Plug-in Hybrid: 0% APR for 48 months, through January 4, 2027.
• 2026 Kia Sportage, Sportage Hybrid, and Sportage Plug-in Hybrid: 0% APR for 48 months, through January 4, 2027.

Mazda

• 2026 Mazda CX-90: 0% APR for 60 months, or 72 months on the CX-90 PHEV, through November 30, 2026.
• 2026 Mazda CX-70: 0% APR for 60 months, through November 30, 2026.
• 2026 Mazda CX-5 and CX-50: 0% APR for 36 months, through November 30, 2026.

Nissan

• 2026 Nissan Rogue, including the Rogue Plug-in Hybrid: 0% APR for 60 months, through November 30, 2026.
• 2026 Nissan Pathfinder: 0% APR for 60 months with up to 90 days of payment deferral, through November 30, 2026. It cannot be combined with the $5,000 Retail Holiday Cash offer, so buyers choose one.
• 2026 Nissan Murano: 0% APR for 60 months, through November 30, 2026.
• 2026 and 2027 Nissan Frontier: 0% APR for 60 months, through November 30, 2026.

Polestar

• 2026 Polestar 4: 0% APR for 60 months through Polestar Financial Services, stackable with an $18,000 bonus, through November 30, 2026.

Subaru

• 2026 Subaru Trailseeker and Uncharted: 0% APR for 72 months, through November 30, 2026.
• 2026 Subaru Solterra: 0% APR for 48 months, through November 30, 2026.
• 2026 Subaru WRX: 0% APR for 48 months, through November 29, 2026.

Toyota

• 2026 Toyota bZ Woodland: 0% APR for 72 months plus a $2,000 cash bonus on dealer stock, through November 30, 2026.

None of the November 2026 offer lists CarEdge checked showed a 0% offer from Honda or Volkswagen.

Black Friday 2026 0% APR Offers

Automakers usually post Black Friday offers in the week before November 27; this guide updates when they do.

Two dates matter for planning. Ford’s 60-month F-150 and Explorer offers end November 16, before Black Friday. The Kia, Lincoln, and INFINITI offers run through January 4, 2027, which covers the December 26 to early January window CarEdge recommends for the strongest dealer push.

How to Use a 0% Offer

1. Negotiate the price before you mention financing. The 0% rate comes from the automaker’s lender. The selling price is still set by the dealer.
2. Compare 0% against the cash offer. Many 0% offers replace a rebate, as on the Nissan Pathfinder. Price the loan both ways before you choose.
3. Check the term. A 36-month 0% offer means a higher monthly payment than a 72-month one on the same price.
4. Get competing quotes. On high-supply models, a second and third dealer quote is the fastest way to find the real price. Check each dealer’s record with CarEdge dealer ratings.

Bottom Line

The 0% offers on high-supply trucks and SUVs give a buyer two advantages at once. Buyers who get competing dealer quotes on those models, and time the purchase for late December, are in the best position of the year.

Black Friday or year-end? Black Friday is a good day to buy. CarEdge’s data and advice point to December 26 into early January for the strongest push. Start by December 15, buy or lease by December 31, and use CarEdge’s year-end plan to get dealer quotes either way.

Frequently Asked Questions

Which cars have 0% APR in November 2026?

CarEdge found 0% APR offers on 35 new models from 15 brands valid in November 2026, including the Ram 1500, Ford F-150, Chevrolet Silverado 1500, GMC Sierra 1500, Hyundai Tucson and Santa Fe, Nissan Rogue and Pathfinder, Kia Sportage and Sorento, and Mazda CX-5 and CX-90. Terms run from 30 to 72 months. Most offers end November 30, 2026.

What is the best 0% APR deal for Black Friday 2026?

Based on CarEdge’s days’ supply data from October 27, 2026, the strongest combinations are the Jeep Gladiator (0% for 36 months, 210 days’ supply), Lincoln Navigator (0% for up to 72 months, 184 days’ supply), and Ram 1500 (0% for 60 months, 170 days’ supply). High supply plus 0% APR gives buyers cheap financing and room to negotiate the price. Black Friday-specific offers are usually posted in the week before November 27.

Is Black Friday the best day to buy a car in 2026?

Black Friday is a good day to buy, but CarEdge’s data and advice point to December 26 into the first days of January for the strongest dealer push, when monthly, quarterly, and annual targets land in the same week. CarEdge recommends starting by December 15 and buying or leasing by December 31. Buyers who want a Black Friday price can still use CarEdge to get competing dealer quotes.

Do 0% APR offers expire before the end of the year?

Most November 2026 offers end November 30, 2026, and Ford’s 60-month F-150 and Explorer offers end November 16. Kia, Lincoln, and INFINITI offers run through January 4, 2027. Automakers typically post new December offers at the start of the month.

Who qualifies for 0% APR financing?

0% APR offers typically require top-tier credit and financing through the automaker’s own lender, such as GM Financial or Kia Finance America. Buyers who do not qualify may be offered a higher rate instead. The selling price is negotiated separately from the financing.

Methodology and Sources

Days’ supply comes from CarEdge’s national market day supply data, snapshot October 27, 2026 (refreshed November 1, 2026): on-lot inventory, excluding in-transit units, divided by the average daily sales rate over the past 45 days, summed across the current and next model year. See CarEdge’s slowest-selling cars for the full rankings. Negotiation savings come from CarEdge’s live results as of November 2026. Offers were confirmed on pages dated November 2026: CarBuzz’s 0% APR list (updated November 5, 2026), CarsDirect’s 0% financing deals (updated November 3, 2026), CarsDirect’s EV financing deals (updated November 6, 2026), CarWhere’s 0% APR list (updated November 2026), and Chevrolet Red Tag terms published by Phillips Chevrolet (November 6, 2026).