Every Labor Day 0% APR Offer [2026]

Every manufacturer 0% APR financing offer available heading into Labor Day weekend 2026, ranked and verified by CarEdge: how much interest each one actually saves you, the cash rebate you’d give up to get it, and how long each model is sitting on dealer lots. Labor Day is September 7, and this list is CarEdge’s pre-holiday baseline. Expect more brands to add Labor Day-specific 0% offers in the days ahead.

Jump to: Where the 0% money went · Standout deals · Model years · Deals to think twice about · How to use a 0% offer · Every 0% deal, by brand · FAQ · How we measure

Here’s the CarEdge difference: we don’t just list the offers, we tell you what that 0% is actually worth in your pocket. Financing a $68,000 Hyundai IONIQ 9 at 0% instead of today’s average new-car rate saves roughly $10,500 in interest, about 15% of the price. We pulled every 0% offer, estimated the interest each one saves you, and cross-referenced it against CarEdge’s live inventory data on how long each model actually sits before it sells. On the right car, the free rate is worth 11 to 15 percent of the sticker in interest you never pay. On the wrong car, it’s the manufacturer telling you something about resale value.

How Many Cars Have 0% APR Financing Going Into Labor Day 2026, and Where Did the Deals Go?

According to CarEdge incentive data, 39 new models carry 0% APR financing as the Labor Day 2026 run-up opens, down from 53 in August 2026, a 26% drop in one month. When 0% offers pull back like this, it usually means one of two things: the summer clearance push has ended, or the new round of deals, including Labor Day-specific programs, hasn’t posted yet. Right now it’s both. (The full August list is in our August 0% APR guide.)

The story of September is rotation. Two of the brands that flooded the 0% list in August, Ford and Kia, all but vanished. Ford went from 9 models at 0% down to 2. Kia went from 5 to zero. Toyota, which had two, now has none. These are the mainstream brands whose summer financing programs expired August 31 and haven’t been renewed yet.

At the same time, another group grew. Genesis tripled its 0% offers (1 to 3), RAM went from 1 to 3, and Jeep and GMC both expanded. The pattern: the deals moved from cars toward trucks and slow-moving luxury. When a brand adds 0% while others pull it, that brand has inventory it needs to move.

The read for a shopper: if you were counting on 0% from Ford, Kia, or Toyota, wait. Their programs typically reset within the first week or two of the month, and with Labor Day landing September 7, 2026, the holiday financing offers should bring some of these back. Today’s thin list is likely a floor, not the month’s final word.

What Are the Best 0% APR Deals Right Now, Before Labor Day?

These are the offers most shoppers are actually looking for: the mainstream trucks, SUVs, and EVs where a strong 0% rate meets a car worth buying. The estimated interest saved column shows what the free rate is worth versus financing at today’s average new-car rate of about 6%, so you can weigh it against the cash alternative. Days on lot is the median number of days a model’s current inventory has been listed for sale in CarEdge’s live inventory data; the longer it sits, the more room you have to negotiate before the holiday. A few luxury models save even more in raw dollars; you’ll find those in the full list below.

According to CarEdge incentive and inventory data, the strongest mainstream 0% APR deal heading into Labor Day 2026 is the 2026 Hyundai IONIQ 9: 0% for 72 months, or $10,000 cash instead, saving roughly $10,540 in interest (15% of the price) on a vehicle sitting a median 48 days. The deepest truck offers are the 2026 GMC Sierra 1500 (about $8,800 saved), 2026 RAM 1500 (about $8,250), and 2026 Chevrolet Silverado 1500 (about $7,750), all at 0% for 60 months and all sitting more than 100 days.

Table 1: Standout 0% APR deals for mainstream buyers ahead of Labor Day 2026. Interest saved and the cash alternative for each; days on lot is your negotiating leverage.

Vehicle	0% Offer	Or take cash	Est. interest saved*	Days on lot
2026 Nissan Rogue	0% / 60 mo	$4,500	~$4,800 (13%)	67 days
2026 Nissan Murano	0% / 60 mo	$6,000	~$6,550 (13%)	115 days
2026 Nissan Frontier	0% / 60 mo	$5,750	~$5,600 (13%)	63 days
2026 Nissan Pathfinder	0% / 60 mo	$3,500	~$6,100 (13%)	79 days
2026 Hyundai Santa Fe (gas)	0% / 60 mo	$3,000	~$5,600 (13%)	78 days
2026 Hyundai Santa Fe Hybrid	0% / 60 mo	$3,000	~$5,650 (13%)	78 days
2026 Hyundai Tucson (gas)	0% / 60 mo	$3,000	~$4,450 (13%)	66 days
2026 Hyundai IONIQ 5	0% / 60 mo	$5,500	~$5,700 (13%)	26 days
2026 Hyundai IONIQ 9	0% / 72 mo	$10,000	~$10,540 (15%)	48 days
2026 RAM 1500	0% / 60 mo	$2,500	~$8,250 (13%)	116 days
2026 Chevrolet Silverado 1500	0% / 60 mo	$1,500–$6,000	~$7,750 (13%)	102 days
2026 Mazda CX-90 PHEV	0% / 72 mo	$5,000	~$9,000 (15%)	160 days
2026 Mazda CX-90 (gas)	0% / 60 mo	$3,500–$5,000	~$7,400 (13%)	160 days
2026 Volkswagen Atlas	0% / 60 mo	$4,000	~$6,300 (13%)	97 days
2026 Ford Escape	0% / 84 mo	$1,000	~$6,400 (18%)	20 days
2025 Ford Ranger	0% / 38 mo	$1,500	~$8,550 (18%)	46 days

*Estimated interest saved assumes 20% down financed over the offer’s full term versus an average new-car rate of about 6%. Longer terms save more raw interest. Actual savings depend on your loan and credit.

Trucks are the story this month

With the car brands pulling back, full-size trucks carry the strongest 0% deals heading into Labor Day. Per CarEdge inventory data, the 2026 RAM 1500 and 2026 GMC Sierra 1500 both offer 0% for 60 months, worth $8,250 and $8,800 respectively in saved interest, and both sit a median 116 days on dealer lots. Negotiate a dealer discount first, then layer the free rate on top; CarEdge’s guide to negotiating the out-the-door price shows how to anchor it. The 2026 Chevrolet Silverado 1500 matches them at 0% for 60 months (about $7,750 saved, 102 days). These are the clearest truck plays of the month. Confirm current terms on Ram’s offers page.

The three-row EVs still lead on value

The 2026 Hyundai IONIQ 9 carries the deepest interest saving among the mainstream picks, roughly $10,540, thanks to a 0%-for-72-month term on a $68,000 electric SUV. The 2026 Hyundai IONIQ 5 (0% for 60 months, about $5,700 saved, just 26 days on lot) rounds out a strong Hyundai EV showing. Confirm current terms on Hyundai’s offers page. Two pricier outliers save even more in raw dollars: the 2026 Lincoln Navigator at roughly $16,930 (0% for 72 months) and the 2026 INFINITI QX80 at roughly $13,720 (0% for 60 months). Both are in the full list.

A few mainstream holdouts

Not everything mainstream left. Nissan held its full lineup (2026 Frontier, Rogue, Rogue Plug-In Hybrid, Murano, and Pathfinder, all at 0% for 60 months), and Hyundai kept the Santa Fe, Tucson, and both IONIQs. These are the everyday, sub-$45,000 vehicles most shoppers are actually cross-shopping, and they’re the best non-truck value on the list. Confirm current terms on Nissan’s offers page.

Two more worth calling out. The 2026 Ford Escape stretches 0% to a full 84 months, the longest term of any deal this month, on an affordable compact SUV, which works out to about $6,400, or 18% of the sticker, in interest you never pay. And the 2026 Volkswagen Atlas, one of the hotter family three-rows lately, pairs 0% for 60 months with $4,000 in cash as the alternative, worth about $6,300 in saved interest on a mainstream people-mover.

Watch the powertrain on Mazda

Mazda runs different 0% terms depending on the engine, and it matters. According to CarEdge incentive data, the 2026 Mazda CX-90 plug-in hybrid gets 0% for 72 months (worth about $9,000 in saved interest), while the gas CX-90 gets 0% for only 60 months (about $7,400). Same story on the CX-70: the hybrid stretches to 72 months (about $7,600), the gas version to 60 (about $7,250). If you’re cross-shopping a Mazda SUV, the electrified version carries the better financing this month. Confirm current terms on Mazda’s offers page.

Which Model Years Are Getting 0% Financing Before Labor Day 2026?

September is a transition month, and the 0% list reflects it. Of the 42 individual offers CarEdge tracked (hybrid and plug-in versions counted separately), 36 are 2026 models, 4 are leftover 2025s, and 2 are already 2027s. The 2025s are clearance financing to move the last of last year’s inventory: the Ford Ranger, RAM 1500, RAM 2500, and GMC Sierra 1500. The 2027s are the Genesis GV60 and Genesis Electrified GV70.

Watch that last group. When 2027s start showing up at 0%, it signals the new model year is already being discounted, which is unusual this early and worth noting.

Which 0% APR Deals Should You Think Twice About Before Labor Day?

A zero-percent rate on a car that isn’t selling isn’t a gift, it’s a warning about resale value. Per CarEdge inventory data, the slowest-moving vehicle on the 0% list is the 2027 Genesis Electrified GV70, sitting a median 613 days with just 5% monthly sell-through, followed by the 2027 Genesis GV60 at 302 days and the 2026 Jeep Gladiator at 197 days.

• 2027 Genesis Electrified GV70: 0% for 60 months, worth about $7,800 in saved interest, but 613 days on lot and just 5% monthly sell-through. The rate is deep because almost nobody is buying it yet. A 2027 already needing 0% is a resale-value flag.
• 2026 Mazda CX-5: 0% on a short 36-month term, worth only about $2,300, on a compact SUV sitting 152 days. Modest saving, stale inventory.
• 2026 Mazda CX-90: the 60- and 72-month terms make the saving real (about $7,400 to $9,000), but 160 days on lot is the longest of any mainstream model on the list. Negotiate the price hard before you take the rate.

The rule holds: the rate tells you the cost of the loan, but the days on lot tells you the cost of owning it. Check both on CarEdge’s Slowest Selling Cars list and depreciation rankings, especially if a holiday-weekend push tries to move one of these faster.

How Do You Get the Most Out of a 0% APR Offer This Labor Day?

1. The free rate doesn’t cover the dealer discount. The 0% sits on top of whatever you negotiate off MSRP. On the overstocked trucks especially, that negotiation is where the real money is, holiday sale or not.
2. Longer terms save more interest. A 0% deal at 72 months saves more raw interest than the same rate at 36. That’s why the EVs and trucks top the savings list.
3. Check how long the car sits. A 0% offer on a fast-seller like the 26-day IONIQ 5 or 20-day Escape is a genuine bonus. A 0% offer on a car with 150-plus days on lot is the manufacturer telling you something.
4. Compare the cash to the interest saved. Most 0% offers are either the free rate or the cash, not both. If the cash alternative is close to the estimated interest saved (the 2026 Nissan Rogue: $4,500 cash vs. about $4,800 saved), and you can get a low rate from your own bank or credit union, the cash usually wins. If the gap is wide (the 2026 RAM 1500: $2,500 cash vs. about $8,250 saved), take the 0%. The FTC’s guide to financing or leasing a car covers the contract fine print either way.
5. If your brand isn’t here, wait for Labor Day. The holiday (September 7, 2026) and the model-year changeover should bring more 0% programs online through mid-September. Don’t sign a worse deal today out of impatience.

Don’t want to run the numbers or the negotiation yourself? CarEdge’s experts handle the whole deal, rate-versus-cash math included: let CarEdge negotiate for you.

Every 0% APR Car Deal Ahead of Labor Day 2026, by Brand

According to CarEdge incentive data, Mazda offers 0% APR on more models than any other brand heading into Labor Day 2026 (8 offers), followed by Hyundai (6), Nissan (5), and Genesis, Jeep, RAM, and Subaru (3 each). Ford, GMC, Chevrolet, Chrysler, INFINITI, Lexus, Lincoln, Polestar, and Volkswagen fill out the rest of the 42.

Table 2: The complete list, all 42 offers grouped by brand. Most 0% offers are either the free rate or the cash, not both. Hybrid and plug-in versions are broken out separately.

Vehicle	0% Offer	Or take cash	Est. interest saved*	Days on lot
Mazda (8)
2026 Mazda CX-90 PHEV	0% / 72 mo	$5,000	~$9,000 (15%)	160 days
2026 Mazda CX-70 Hybrid	0% / 72 mo	$5,000	~$7,600 (15%)	144 days
2026 Mazda CX-90 (gas)	0% / 60 mo	$3,500–$5,000	~$7,400 (13%)	160 days
2026 Mazda CX-70 (gas)	0% / 60 mo	$5,000	~$7,250 (13%)	144 days
2026 Mazda CX-50 (gas)	0% / 36 mo	$1,000	~$2,400 (6%)	98 days
2026 Mazda CX-5 (gas)	0% / 36 mo	$2,000	~$2,300 (6%)	152 days
2026 Mazda CX-30 (gas)	0% / 36 mo	$1,000	~$2,050 (6%)	85 days
2026 Mazda Mazda3 (gas)	0% / 36 mo	$1,500	~$1,850 (6%)	86 days
Hyundai (6)
2026 Hyundai IONIQ 9	0% / 72 mo	$10,000	~$10,540 (15%)	48 days
2026 Hyundai IONIQ 5	0% / 60 mo	$5,500	~$5,700 (13%)	26 days
2026 Hyundai Santa Fe Hybrid	0% / 60 mo	$3,000	~$5,650 (13%)	78 days
2026 Hyundai Santa Fe (gas)	0% / 60 mo	$3,000	~$5,600 (13%)	78 days
2026 Hyundai Tucson PHEV	0% / 60 mo	$4,000	~$5,550 (13%)	66 days
2026 Hyundai Tucson (gas)	0% / 60 mo	$3,000	~$4,450 (13%)	66 days
Nissan (5)
2026 Nissan Murano	0% / 60 mo	$6,000	~$6,550 (13%)	115 days
2026 Nissan Pathfinder	0% / 60 mo	$3,500	~$6,100 (13%)	79 days
2026 Nissan Frontier	0% / 60 mo	$5,750	~$5,600 (13%)	63 days
2026 Nissan Rogue	0% / 60 mo	$4,500	~$4,800 (13%)	67 days
2026 Nissan Rogue Plug-In Hybrid	0% / 60 mo	$6,500	~$4,800 (13%)	67 days
Genesis (3)
2027 Genesis GV60	0% / 60 mo	$5,000	~$7,800 (13%)	302 days
2027 Genesis Electrified GV70	0% / 60 mo	$5,000	~$7,800 (13%)	613 days
2026 Genesis GV60	0% / 60 mo	$5,000	~$7,200 (13%)	30 days
Jeep (3)
2026 Jeep Wrangler	0% / 36 mo	$1,500	~$3,550 (6%)	124 days
2026 Jeep Gladiator	0% / 36 mo	None	~$3,400 (6%)	197 days
2026 Jeep Grand Cherokee L	0% / 36 mo	$1,000	~$3,300 (6%)	137 days
RAM (3)
2025 RAM 2500	0% / 60 mo	$3,000	~$9,700 (13%)	65 days
2026 RAM 1500	0% / 60 mo	$2,500	~$8,250 (13%)	116 days
2025 RAM 1500	0% / 60 mo	$2,500	~$7,800 (13%)	79 days
Subaru (3)
2026 Subaru Trailseeker	0% / 72 mo	None	~$7,100 (15%)	30 days
2026 Subaru Uncharted	0% / 72 mo	None	~$6,500 (15%)	21 days
2026 Subaru Solterra	0% / 48 mo	None	~$3,850 (9%)	51 days
Ford (2)
2025 Ford Ranger	0% / 38 mo	$1,500	~$8,550 (18%)	46 days
2026 Ford Escape	0% / 84 mo	$1,000	~$6,400 (18%)	20 days
GMC (2)
2026 GMC Sierra 1500	0% / 60 mo	None	~$8,800 (13%)	116 days
2025 GMC Sierra 1500	0% / 36 mo	None	~$3,900 (6%)	76 days
Chevrolet (1)
2026 Chevrolet Silverado 1500	0% / 60 mo	$1,500–$6,000	~$7,750 (13%)	102 days
Chrysler (1)
2026 Chrysler Pacifica	0% / 36 mo	$2,000	~$3,200 (6%)	77 days
INFINITI (1)
2026 INFINITI QX80	0% / 60 mo	$10,000	~$13,720 (13%)	58 days
Lexus (1)
2026 Lexus RZ	0% / 48 mo	$5,000	~$5,000 (9%)	30 days
Lincoln (1)
2026 Lincoln Navigator	0% / 72 mo	$3,000	~$16,930 (15%)	120 days
Polestar (1)
2026 Polestar 4	0% / 60 mo	None	~$9,450 (13%)	20 days
Volkswagen (1)
2026 Volkswagen Atlas	0% / 60 mo	$4,000	~$6,300 (13%)	97 days

*Estimated interest saved assumes 20% down financed over the offer’s full term versus an average new-car rate of about 6%. “None” in the cash column means the offer is 0% only, with no cash alternative advertised.

Frequently Asked Questions

Which cars have 0% APR financing right now?

According to CarEdge incentive data, 39 new models carry 0% APR heading into Labor Day 2026, 42 offers when hybrid and plug-in versions are counted separately. Mazda has the most (8 offers, including the CX-90, CX-70, CX-50, CX-5, CX-30, and Mazda3), followed by Hyundai (IONIQ 9, IONIQ 5, Santa Fe, Tucson), Nissan (Murano, Pathfinder, Frontier, Rogue), and Genesis, Jeep, RAM, and Subaru with three each. Ford (Ranger, Escape), GMC (Sierra 1500), Chevrolet (Silverado 1500), Chrysler (Pacifica), INFINITI (QX80), Lexus (RZ), Lincoln (Navigator), Polestar (4), and Volkswagen (Atlas) round out the list. Kia and Toyota have none.

Will Labor Day 2026 bring more 0% APR deals?

Probably. Labor Day is September 7, 2026, and the Ford, Kia, and Toyota programs that expired August 31 typically reset within the first two weeks of the month. CarEdge expects this list, 39 models as the holiday approaches, to grow through mid-September. If your brand isn’t on the list today, wait a week rather than settling for a worse offer.

What is the best 0% APR deal for Labor Day 2026?

For mainstream buyers, the 2026 Hyundai IONIQ 9 at 0% for 72 months, saving roughly $10,540 in interest (15% of its price) versus an average new-car loan, on a vehicle sitting a median 48 days. The largest raw saving on any 0% offer right now is the 2026 Lincoln Navigator at roughly $16,930 (0% for 72 months). The longest term is the 2026 Ford Escape at 0% for 84 months.

Is 0% APR or the cash rebate better?

Compare the cash to the estimated interest saved. Most manufacturers make you choose one or the other. When they’re close, as with the 2026 Nissan Rogue ($4,500 cash vs. about $4,800 saved), take the cash if you can finance below about 6% through your own bank or credit union, because the rebate lowers the price you pay while a cheap outside loan keeps most of the interest saving. When the gap is wide, as with the 2026 RAM 1500 ($2,500 cash vs. about $8,250 saved) or the 2026 Lincoln Navigator ($3,000 vs. about $16,930), the 0% is worth far more than the cash.

Can you still negotiate the price on a 0% APR deal?

Yes. The 0% rate is manufacturer-subsidized financing through the captive lender and sits on top of whatever you negotiate off MSRP with the dealer. On models with 100-plus days on lot, such as the 2026 RAM 1500, GMC Sierra 1500, Chevrolet Silverado 1500, and Mazda CX-90, the dealer discount is where the real money is; settle the price first, then apply the rate, holiday sale or not.

Who qualifies for 0% APR financing?

Manufacturer 0% programs are generally reserved for well-qualified buyers, typically top-tier credit (roughly a 720-plus FICO score, though each captive lender sets its own cutoff). If you don’t qualify, the cash alternative is usually still available, and it can be combined with financing from your own lender.

Is a longer 0% term, like 72 or 84 months, a good idea?

At 0% there is no interest penalty for the longer term, which is why the 2026 Hyundai IONIQ 9 (72 months) and 2026 Ford Escape (84 months) show the largest savings as a share of price. The risks are being upside-down on the loan longer, since the car depreciates faster than an 84-month loan pays down, and carrying payments past the factory warranty. If you plan to keep the car for the full term, the longer 0% is the better deal; if you might trade in at year three or four, choose the shorter term or the cash.

How CarEdge Measures This

• Incentive data: manufacturer-advertised national APR programs, pulled from each brand’s incentive schedule as of the early-September 2026 scan. Regional programs and dealer-specific financing are excluded. Hybrid and plug-in versions are counted as separate offers when the manufacturer publishes separate terms.
• Estimated interest saved = the interest you would pay financing 80% of the vehicle’s price (20% down) over the offer’s full term at an average new-car rate of about 6%, versus $0 at 0%. The percentage in parentheses is that saving as a share of the vehicle’s price. Longer terms save more raw interest; actual savings depend on your price, loan, and credit.
• Days on lot = the median number of days a model’s current new-vehicle inventory has been listed for sale, per CarEdge’s live inventory data. Monthly sell-through = the share of a model’s inventory that sold in the past 30 days.
• Model counts (39 heading into Labor Day, 53 in August) are distinct nameplates carrying at least one 0% offer; the 42-offer count breaks out hybrid, plug-in, and model-year variants separately.

Disclosure: Deal details are sourced from manufacturer incentive programs and CarEdge’s live inventory data as of the early-September 2026 scan, ahead of Labor Day (September 7, 2026). Offers change frequently over the holiday weekend and vary by region. Confirm terms with your dealer. Cash-back and finance offers across all brands are covered in our Best and Worst New Car Deals guide, and lease offers in our Best Labor Day Lease Deals 2026 guide. CarEdge offers paid car-buying services, including the negotiation service linked in this article.