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Best 0% Finance Deals January 2025
January 9, 2025
This week, I updated the list of best 0% finance deals on new cars. Interest rates had gone up considerably in recent years, and at first we saw manufacturers cutting back on offering 0% financing deals. However, for January we're seeing an uptick in zero percent finance deals, with many manufactuers offering 0% for up to 72 months including Hyundai, Nissan, Lexus, Ford and Lincoln. Some like the Volkwagen ID.4 even has a $5,000 cash back offer on top of 0% financing.
The average APR rate for a 60-month new car loan has risen to 6-9% for those with good credit. Using this figure, a 60-month, 0% deal will save you around $4,000 in interest for
a vehicle costing $40,000.
Check out the full list below. For even more savings, I highly recommend using TrueCar No Haggle and CarsDirect to see the lowest prices being offered in your area.
Best 0% Finance Deals
| Vehicle | APR Term | APR Rate | Plus Cash Back | Get Price |
|---|---|---|---|---|
| 2024 Toyota Mirai Hydrogen | 72 | 0% | $25,000 | |
| 2024 Volkswagen ID.4 Electric | 72 | 0% | $5,000 | |
| 2024 Ford F-150 Lightning Electric | 72 | 0% | $3,000 | |
| 2024 Ford Mach-E Electric | 72 | 0% | $2,500 | |
| 2025 Toyota bZ4X Electric | 72 | 0% | $2,500 | |
| 2024 Toyota bZ4X Electric | 72 | 0% | $2,500 | |
| 2024 Acura ZDX Electric | 72 | 0% | ||
| 2024 Chrysler Pacifica Plug-in Hybrid | 72 | 0% | ||
| 2024 Dodge Hornet Plug-in Hybrid | 72 | 0% | ||
| 2024 Dodge Charger | 72 | 0% | ||
| 2024 Honda Prologue Electric | 72 | 0% | ||
| 2024 Jeep Wrangler 4xe Plug-in Hybrid | 72 | 0% | ||
| 2024 Jeep Wagoneer S Electric | 72 | 0% | ||
| 2024 Jeep Grand Cherokee 4xe Plug-in Hybrid | 72 | 0% | ||
| 2025 Kia EV9 Electric | 72 | 0% | ||
| 2024 Kia Niro EV Electric | 72 | 0% | ||
| 2024 Kia EV9 Electric | 72 | 0% | ||
| 2024 Kia EV6 Electric | 72 | 0% | ||
| 2025 Lexus RZ Electric | 72 | 0% | ||
| 2024 Lexus RZ Electric | 72 | 0% | ||
| 2024 Nissan Murano | 72 | 0% | ||
| 2024 Nissan Ariya Electric | 72 | 0% | ||
| 2024 Subaru Solterra Electric | 72 | 0% | ||
| 2024 GMC Sierra EV Electric | 60 | 0% | ||
| 2024 GMC HUMMER EV SUV Electric | 60 | 0% | ||
| 2024 GMC HUMMER EV Pickup Electric | 60 | 0% | ||
| 2024 Hyundai Ioniq 6 Electric | 60 | 0% | ||
| 2024 Hyundai Ioniq 5 Electric | 60 | 0% | ||
| 2025 Kia Niro EV Electric | 60 | 0% | ||
| 2024 Lincoln Navigator | 60 | 0% | ||
| 2024 Nissan TITAN | 60 | 0% | ||
| 2024 Nissan TITAN XD | 60 | 0% | ||
| 2024 Nissan Rogue | 60 | 0% | ||
| 2024 Volkswagen Tiguan | 60 | 0% | ||
| 2025 Hyundai Ioniq 6 Electric | 48 | 0% | ||
| 2024 Mitsubishi Outlander | 48 | 0% | ||
| 2024 Mitsubishi Outlander PHEV Plug-in Hybrid | 48 | 0% | ||
| 2024 Mitsubishi Eclipse Cross | 48 | 0% | ||
| 2024 Subaru WRX | 48 | 0% | ||
| 2024 Nissan Pathfinder | 36 | 0% | $2,750 | |
| 2024 Ford Escape Plug-in Hybrid | 36 | 0% | ||
| 2024 Ford Escape Hybrid | 36 | 0% | ||
| 2024 Ford Escape | 36 | 0% | ||
| 2024 GMC Sierra 1500 | 36 | 0% | ||
| 2024 Jeep Wrangler | 36 | 0% | ||
| 2024 Jeep Wagoneer | 36 | 0% | ||
| 2024 Jeep Wagoneer L | 36 | 0% | ||
| 2024 Jeep Grand Cherokee | 36 | 0% | ||
| 2024 Jeep Grand Cherokee L | 36 | 0% | ||
| 2024 Jeep Gladiator | 36 | 0% | ||
| 2024 Jeep Compass | 36 | 0% | ||
| 2024 Mazda MX-5 Miata | 36 | 0% | ||
| 2024 Mazda CX-90 Plug-in Hybrid | 36 | 0% | ||
| 2024 Mazda CX-90 | 36 | 0% | ||
| 2024 GMC Terrain | 72 | 0.9% | $2,250 | |
| 2024 Ram 1500 | 72 | 0.9% | ||
| 2024 Ram 1500 Classic | 72 | 0.9% | ||
| 2024 Chevrolet Silverado EV Electric | 60 | 0.9% | ||
| 2024 Chevrolet Equinox EV Electric | 60 | 0.9% | ||
| 2024 Chevrolet Blazer EV Electric | 60 | 0.9% | ||
| 2024 Infiniti QX50 | 60 | 0.9% | ||
| 2024 Infiniti Q50 | 60 | 0.9% | ||
| 2025 Mazda CX-30 | 60 | 0.9% | ||
| 2024 Nissan Frontier | 60 | 0.9% | $3,500 | |
| 2025 Buick Encore GX | 36 | 0.9% | ||
| 2025 Buick Enclave | 36 | 0.9% | $1,000 | |
| 2024 Buick Envision | 36 | 0.9% | ||
| 2024 Buick Encore GX | 36 | 0.9% | ||
| 2024 Ford E-Transit Electric | 36 | 0.9% | $2,000 | |
| 2025 Honda Passport | 36 | 0.9% | ||
| 2024 Lincoln Corsair | 36 | 0.9% | ||
| 2025 Mazda Mazda3 | 36 | 0.9% | ||
| 2025 Mazda CX-90 Plug-in Hybrid | 36 | 0.9% | ||
| 2025 Mazda CX-90 | 36 | 0.9% | ||
| 2025 Mazda CX-70 Plug-in Hybrid | 36 | 0.9% | ||
| 2025 Mazda CX-70 | 36 | 0.9% | ||
| 2025 Mazda CX-5 | 36 | 0.9% | ||
| 2025 Mazda CX-50 | 36 | 0.9% | ||
| 2024 Audi SQ8 e-tron Electric | 60 | 0.99% | ||
| 2024 Audi S8 | 60 | 0.99% | ||
| 2024 Audi RS e-tron GT Electric | 60 | 0.99% | ||
| 2024 Audi Q8 e-tron Electric | 60 | 0.99% | ||
| 2024 Audi Q4 e-tron Electric | 60 | 0.99% | ||
| 2024 Audi e-tron GT Electric | 60 | 0.99% | ||
| 2024 Audi A8 | 60 | 0.99% | ||
| 2024 Audi A6 | 60 | 0.99% | ||
| 2025 Hyundai Ioniq 5 Electric | 60 | 0.99% | ||
| 2025 Hyundai Kona EV Electric | 48 | 0.99% | ||
| 2024 Hyundai Kona EV Electric | 48 | 0.99% | ||
| 2025 Mitsubishi Outlander PHEV Plug-in Hybrid | 48 | 0.99% | ||
| 2025 Chrysler Pacifica Plug-in Hybrid | 72 | 1.9% | ||
| 2025 Jeep Wrangler 4xe Plug-in Hybrid | 72 | 1.9% | ||
| 2025 Jeep Grand Cherokee 4xe Plug-in Hybrid | 72 | 1.9% | ||
| 2024 Subaru Forester | 72 | 1.9% | ||
| 2025 Kia Sportage | 60 | 1.9% | ||
| 2025 Kia Sorento Plug-in Hybrid | 60 | 1.9% | ||
| 2025 Kia Sorento Hybrid | 60 | 1.9% | ||
| 2025 Kia Sorento | 60 | 1.9% | ||
| 2024 Volkswagen Atlas | 60 | 1.9% | ||
| 2024 Volkswagen Atlas Cross Sport | 60 | 1.9% | ||
| 2025 Honda Odyssey | 48 | 1.9% | ||
| 2025 Chevrolet Malibu | 36 | 1.9% | ||
| 2025 Chevrolet Blazer | 36 | 1.9% | ||
| 2024 Chevrolet Colorado | 36 | 1.9% | ||
| 2024 Ford F-450 | 36 | 1.9% | ||
| 2024 Ford F-350 | 36 | 1.9% | ||
| 2024 Ford F-250 | 36 | 1.9% | ||
| 2024 Ford F-150 | 36 | 1.9% | $1,350 | |
| 2024 Ford Expedition | 36 | 1.9% | ||
| 2024 GMC Canyon | 36 | 1.9% | ||
| 2025 Honda CR-V | 36 | 1.9% | ||
| 2024 Honda Accord Hybrid | 36 | 1.9% | ||
| 2024 Honda Accord | 36 | 1.9% | ||
| 2025 Nissan LEAF Electric | 36 | 1.9% | ||
| 2024 Nissan Z | 36 | 1.9% | ||
| 2024 Toyota Tundra | 72 | 1.99% | $2,000 | |
| 2024 Toyota Tundra i-FORCE MAX Hybrid | 72 | 1.99% | ||
| 2024 Hyundai Tucson Hybrid | 60 | 1.99% | $500 | |
| 2024 Hyundai Santa Fe | 60 | 1.99% | ||
| 2024 Hyundai Elantra Hybrid | 60 | 1.99% | ||
| 2024 Hyundai Elantra | 60 | 1.99% | ||
| 2025 BMW X5 | 48 | 1.99% | $2,000 | |
| 2025 Toyota Tundra | 48 | 1.99% | ||
| 2025 Toyota Tundra i-FORCE MAX Hybrid | 48 | 1.99% |
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Each week, I'll keep you up-to-date on the latest car deals and news that might affect your purchase. This includes...
- Best Rebates, Incentives, and Lease Deals
- Latest Car Buying Scams and Tricks
- The Best & Worst Time to Buy a Car
- Which Cars You Should Avoid
About The Author
Gregg Fidan is the founder of RealCarTips. After being ripped off on his first car purchase, he devoted several years to figuring out the best ways to avoid scams and negotiate
the best car deals. He has written hundreds of articles on the subject of car buying and taught thousands of car shoppers how to get the best deals.
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I welcome your car buying questions. Email Me and I'll be glad to answer them!
