Best 0% APR Car Deals in September 2026: All 35 Zero-Percent Offers, Ranked by CarEdge Data

Labor Day reshuffled the 0% financing landscape, so here’s where it stands right now: 35 new models carry a genuine 0% APR offer in mid-September 2026, per CarEdge incentive data, and the lineup looks very different than it did at the start of the month. We dug into the latest programs, current as of mid-September, to pull the deals that are actually live today. Most expire September 30.

Jump to: What changed after Labor Day · Standout deals · Deals to think twice about · 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 Kia EV9 at 0% instead of today’s average rate saves roughly $9,200 in interest, about 13% of the price. We estimate that saving for every deal and cross-reference it against CarEdge’s live inventory data, so you can see which cars are genuinely moving and which are sitting. This is the September edition of our monthly 0% APR series; the August list and the pre-holiday Labor Day list show how fast it turns over.

What Changed in 0% APR Offers After Labor Day 2026?

Early September was a trough. Many brands let their August programs lapse and hadn’t posted new ones yet. Over Labor Day, the picture flipped:

• Kia came back in force. From zero 0% offers on September 1 to nine models now: the Sorento and Sportage (both in gas, hybrid, and plug-in versions), the EV9, EV6, and the Niro EV. Kia is the biggest 0% lineup in the market this month.
• Ford, Lincoln, and Hyundai pulled back. Ford has no mainstream 0% this month (its lineup is at higher rates). Lincoln is at 1.99%, not 0%. Hyundai pulled back hard after Labor Day: the Tucson dropped to 0.9% and the Santa Fe (gas and hybrid) moved to 2.9%. Only the electric Ioniq 5 and Ioniq 9 kept their 0%.
• A few clearance stories emerged. Polestar is exiting the US market, so the Polestar 4 now carries 0% plus a stacked rebate. The GMC Sierra 1500 is clearing out ahead of its 2027 redesign with 0% and no payments until 2027.

The lesson for shoppers: early-month 0% lists go stale fast. These offers are current as of mid-September, but they expire September 30 and can change without notice, so confirm with your dealer before you count on one.

What Are the Standout 0% APR Deals in September 2026?

These are the offers most shoppers are actually looking for: the mainstream SUVs, trucks, 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 rate of about 6%, so you can weigh it against the cash alternative. (Most 0% offers are either the free rate or the cash, not both.) 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.

Table 1: Standout deals for mainstream buyers this month.

Vehicle	0% Offer	Or take cash	Est. interest saved*	Days on lot
2026 Kia Sorento	0% / 48 mo	$3,000	~$3,750 (9%)	95 days
2026 Kia Sportage	0% / 48 mo	$2,000	~$3,200 (9%)	56 days
2026 Kia EV9	0% / 60 mo	$10,000	~$9,200 (13%)	55 days
2026 Kia Niro EV	0% / 72 mo	$10,000	~$5,200 (15%)	48 days
2026 Nissan Rogue	0% / 60 mo	$4,500	~$4,800 (13%)	64 days
2026 Nissan Frontier	0% / 60 mo	None	~$5,600 (13%)	53 days
2026 Nissan Pathfinder	0% / 60 mo	$3,500	~$6,150 (13%)	76 days
2026 Chevrolet Silverado 1500	0% / 60 mo	$1,500–$4,250	~$7,750 (13%)	102 days
2026 GMC Sierra 1500	0% / 60 mo	$6,000	~$8,800 (13%)	116 days
2026 RAM 1500	0% / 60 mo	$2,500	~$8,250 (13%)	108 days
2026 Mazda CX-90 PHEV	0% / 72 mo	$5,000	~$9,000 (15%)	138 days
2026 Subaru Trailseeker	0% / 72 mo	None	~$7,100 (15%)	19 days
2026 Polestar 4	0% / 60 mo	$25,000	~$9,100 (13%)	10 days
2026 Jeep Cherokee Hybrid	0% / 72 mo	None	~$6,650 (15%)	180 days
2026 Kia EV6	0% / 60 mo	$5,000	~$6,050 (13%)	125 days
2026 Subaru Outback	0% / 48 mo	None	~$3,250 (9%)	78 days

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

Kia is the story this month

Kia went from nothing to the deepest 0% lineup in the market. The EV9 (0% for 60 months, or $10,000 cash) and Niro EV (0% for 72 months, or $10,000 cash) are the headliners: real electric three-row and crossover value with five figures of support. The gas Sorento and Sportage carry 0% for 48 months, and the hybrid and plug-in versions qualify too, so whichever powertrain you want, there’s a 0% path. Confirm current terms on Kia’s offers page.

Trucks and the Nissan lineup hold steady

The RAM 1500, Chevrolet Silverado 1500, and GMC Sierra 1500 all offer 0% for 60 months on heavy inventory: negotiate the price first, then layer the free rate, and CarEdge’s guide to negotiating the out-the-door price shows how to anchor it. One catch on the Ram: only the Big Horn and Laramie trims qualify for 0% for 60; other trims get shorter terms or a higher rate. Confirm current terms on Ram’s offers page. And Nissan held most of its lineup: the Rogue, Frontier, and Pathfinder stay at 0% for 60 months, while the Murano slipped to 1.9% after Labor Day. Confirm current terms on Nissan’s offers page.

Watch the powertrain

Two brands split their 0% by engine this month. On Mazda, the CX-90 and CX-70 plug-in hybrids get 0% for 72 months, while the gas versions get 60. Confirm current terms on Mazda’s offers page. On Hyundai, the rate now depends heavily on the version you pick, with the gas Tucson at 0.99% and other models higher after Labor Day. If you’re cross-shopping powertrains, the rate can differ, so check the specific version.

Which 0% APR Deals Should You Think Twice About?

A zero-percent rate on a car that isn’t selling isn’t a gift, it’s a signal. Two on this list stand out:

• Jeep Cherokee Hybrid: its rate was cut from 5.9% to 0% for 72 months on September 4, but it’s sitting around 180 days on lots. The deep support is there because it’s not moving. It’s a real 0% offer, just know why it exists.
• Polestar 4: carries 0% plus a $25,000 stacked rebate, but Polestar is winding down its US presence. The discount is real; factor the brand’s uncertain future into your resale math.

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 before you buy.

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

Every Verified 0% APR Deal in September 2026, by Brand

According to CarEdge incentive data, Kia offers 0% APR on more models than any other brand in September 2026 (nine), followed by Mazda (eight), Nissan (four), Subaru (four), and Jeep (three). Chevrolet, GMC, INFINITI, Lucid, Mitsubishi, Polestar, and RAM carry one each.

Table 2: The complete list, all 35 offers grouped by brand. Hybrid and plug-in versions are broken out where terms differ. Cash excludes conditional (trade-in, loyalty, military) offers.

Model	Year	0% Offer	Or take cash	Est. interest saved*	Days on lot
Kia (9)
EV9	’26	0% / 60 mo	$10,000	~$9,200 (13%)	55 days
EV6	’26	0% / 60 mo	$5,000	~$6,050 (13%)	125 days
Niro EV	’26	0% / 72 mo	$10,000	~$5,200 (15%)	48 days
Sorento Plug-In Hybrid	’26	0% / 48 mo	$3,000	~$4,700 (9%)	95 days
Sorento Hybrid	’26	0% / 48 mo	$3,000	~$4,300 (9%)	95 days
Sportage Plug-In Hybrid	’26	0% / 48 mo	$2,000	~$4,000 (9%)	56 days
Sorento	’26	0% / 48 mo	$3,000	~$3,750 (9%)	95 days
Sportage Hybrid	’26	0% / 48 mo	$2,000	~$3,450 (9%)	56 days
Sportage	’26	0% / 48 mo	$2,000	~$3,200 (9%)	56 days
Mazda (8)
CX-90 PHEV	’26	0% / 72 mo	$5,000	~$9,000 (15%)	138 days
CX-70 PHEV	’26	0% / 72 mo	$5,000	~$7,400 (15%)	130 days
CX-90 Gas	’26	0% / 60 mo	$3,500	~$6,450 (13%)	138 days
CX-70 Gas	’26	0% / 60 mo	$3,500	~$5,450 (13%)	133 days
Mazda3	’26	0% / 36 mo	None	~$5,150 (6%)	79 days
CX-50	’26	0% / 36 mo	$1,500	~$2,400 (6%)	94 days
CX-30	’26	0% / 36 mo	$1,000	~$2,050 (6%)	82 days
CX-5	’26	0% / 36 mo	$1,000	~$2,000 (6%)	138 days
Nissan (4)
Rogue Plug-In Hybrid	’26	0% / 60 mo	$6,500	~$6,250 (13%)	126 days
Pathfinder	’26	0% / 60 mo	$3,500	~$6,150 (13%)	76 days
Frontier	’26	0% / 60 mo	None	~$5,600 (13%)	53 days
Rogue	’26	0% / 60 mo	$4,500	~$4,800 (13%)	64 days
Subaru (4)
Trailseeker	’26	0% / 72 mo	None	~$7,100 (15%)	19 days
Uncharted	’26	0% / 72 mo	None	~$6,500 (15%)	16 days
Solterra	’26	0% / 48 mo	None	~$3,850 (9%)	32 days
Outback	’26	0% / 48 mo	None	~$3,250 (9%)	78 days
Jeep (3)
Cherokee Hybrid	’26	0% / 72 mo	None	~$6,650 (15%)	180 days
Wrangler	’26	0% / 36 mo	$3,000	~$3,500 (6%)	116 days
Gladiator	’26	0% / 36 mo	None	~$3,350 (6%)	193 days
Chevrolet (1)
Silverado 1500	’26	0% / 60 mo	$1,500–$4,250	~$7,750 (13%)	102 days
GMC (1)
Sierra 1500	’26	0% / 60 mo	$6,000	~$8,800 (13%)	116 days
INFINITI (1)
QX80	’26	0% / 60 mo	$10,000	~$13,740 (13%)	55 days
Lucid (1)
Gravity	’26	0% / 72 mo	$10,000	~$12,590 (15%)	45 days
Mitsubishi (1)
Outlander Trail Edition	’26	0% / 72 mo	$4,500	~$6,200 (15%)	118 days
Polestar (1)
4	’26	0% / 60 mo	$25,000	~$9,100 (13%)	10 days
RAM (1)
1500	’26	0% / 60 mo	$2,500	~$8,250 (13%)	108 days

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

Frequently Asked Questions

Which cars have 0% APR financing right now?

According to CarEdge incentive data, 35 new models carry a genuine 0% APR offer as of mid-September 2026. Kia has the most (nine models, including the EV9, EV6, Niro EV, Sorento, and Sportage in gas, hybrid, and plug-in versions), followed by Mazda (eight), Nissan (four), Subaru (four), and Jeep (three). The Chevrolet Silverado 1500, GMC Sierra 1500, RAM 1500, INFINITI QX80, Lucid Gravity, Mitsubishi Outlander Trail Edition, and Polestar 4 round out the list.

What is the best 0% APR deal in September 2026?

For mainstream buyers, the Kia EV9 at 0% for 60 months or $10,000 cash, worth roughly $9,200 in saved interest on a vehicle selling in a median 55 days, per CarEdge data. The largest raw saving on any 0% offer this month is the INFINITI QX80 at roughly $13,740, and the deepest total discount is the Polestar 4 at 0% plus $25,000 in stacked rebates.

How did Labor Day change 0% APR offers?

Labor Day reshuffled the list. Kia went from zero 0% offers on September 1 to nine models, the biggest lineup in the market. Ford and Lincoln have no 0% offers this month, Hyundai pulled back on its gas models, and Nissan’s Murano slipped from 0% to 1.9%. New clearance offers appeared on the Polestar 4 and GMC Sierra 1500.

When do September’s 0% APR offers expire?

Most of the offers in this guide are current as of mid-September 2026 and expire September 30 unless noted. Rates and cash alternatives vary by region and trim and can change without notice, so confirm the specific program with your dealer before you count on one.

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. When the gap is wide, as with the GMC Sierra 1500 ($6,000 cash vs. about $8,800 saved), the 0% usually wins. The FTC’s guide to financing or leasing a car covers the contract fine print either way.

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

Yes. The 0% rate is manufacturer-subsidized financing through the captive lender and applies on top of whatever price you negotiate off MSRP. On models sitting 100-plus days, such as the RAM 1500, GMC Sierra 1500, Chevrolet Silverado 1500, and Mazda CX-90, settle the price first, then apply the rate.

How CarEdge Measures This

• Incentive data: manufacturer-advertised national APR programs, pulled from each brand’s incentive schedule as of the mid-September 2026 scan. Regional programs, dealer-specific financing, and conditional cash (trade-in, loyalty, military) are excluded. Hybrid and plug-in versions are counted as separate offers where 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.
• 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.

Disclosure: Offers are current as of the mid-September 2026 scan. Rates and cash offers vary by region and trim, change frequently, and expire September 30 unless noted. Confirm terms with your dealer before purchase. Earlier editions: every Labor Day 0% APR offer and the August 2026 list. CarEdge offers paid car-buying services, including the negotiation service linked in this article.