Best Truck Finance Deals for June 2026 | 0% APR & Cash Bonuses
Part of our monthly best finance deals coverage. See all vehicle types ranked.
June 2026 has a significant truck finance shakeup. GMC Sierra 1500 and Chevrolet Silverado 1500 both enter with 0% APR over 60 months, pushing the full-size GM trucks into Excellent territory for the first time in recent months. The Toyota Tundra i-Force Max improves dramatically — from 2.99% in May to 0.99% over 72 months — now tying the standard Tundra at the top.
The trade-off: the Silverado 2500/3500 moved in the opposite direction, up to 4.90% APR with no cash bonus, dropping into weak territory. RAM 1500 now offers 0% APR over 60 months, entering the Excellent tier for the first time this cycle.
Every deal is ranked by Finance Score: total savings versus a 7% loan divided by the vehicle’s MSRP. Higher is better.
We review every advertised truck finance offer each month and rank them by total savings, not just by headline APR.Top Truck Finance Deals Right Now [Video]
- Toyota leads 1-2 with both the 2025 Tundra and 2025 Tundra i-Force Max at 0.99% APR over 72 months, each scoring 19.71%. The i-Force Max improved from 2.99% in May — a significant change
- GMC Sierra 1500, Chevrolet Silverado 1500, Nissan Frontier, and RAM 1500 all now carry 0% APR over 60 months at 18.81% Finance Score — the most Excellent-tier full-size and mid-size options in one month this year
- GMC Canyon and Chevrolet Colorado keep their cash bonuses ($3,000 and $2,000 respectively) but drop to the Good tier as the full-size 0% deals above them improve
- Walk away alerts: Silverado 2500/3500 moved to 4.90% APR with no cash bonus (5.85% score). Ford trucks remain at 4.90% APR across the board. Hyundai Santa Cruz and 2026 Tacoma at 4.99% finish last
Best truck finance deals right now
Top 5 truck finance offers for June 2026, ranked by Finance Score.
The best truck finance deal for the third straight month. The 0.99% rate over 72 months saves $7,903 in interest on a $40,090 truck, a 19.71% score that edges out the 0% deals from GMC, Chevy, Nissan, and RAM because of the longer term.
Toyota rarely offers this level of incentive on the Tundra. If you have been waiting to buy a full-size Toyota truck, the window closes June 30.
A major improvement from May. The i-Force Max moved from 2.99% to 0.99% APR, now tying the standard Tundra on Finance Score at 19.71% and delivering $11,434 in interest savings on a $58,005 hybrid truck.
The i-Force Max dropped out of the lease database this month (2025 model cleared), but the finance deal is the best it has been this year. If you want the hybrid powertrain and plan to own rather than lease, this is the pick. Expires June 30.
GMC Sierra 1500 moves from 2.9% APR in May to 0% APR over 60 months in June, jumping from rank #6 to #3. $7,203 in interest savings on a $38,300 full-size truck with no cash bonus required.
If you want a full-size GM truck this month, the Sierra 1500 is the better deal versus the Canyon below it — pure rate on a full-size platform. Expires June 30.
New to the rankings this month. The Silverado 1500 debuts with 0% APR over 60 months, saving $7,174 in interest on a $38,145 truck. Nearly identical score to the Sierra 1500 — the MSRP difference is $155.
One note: the Silverado 1500 expires July 7 while the Sierra 1500 expires June 30. If you need extra time, the Silverado gives you an extra week. Choose between them based on which dealer has the better out-the-door price.
Holds its spot from May with the same terms. The Frontier is the most affordable 0% APR truck on the list at $32,150. Still the cleanest entry-point play for buyers who want a mid-size truck at zero interest.
The Frontier drops from #2 to #5 not because it got worse but because the full-size GM trucks and RAM 1500 entered with 0% offers above it. The deal itself is unchanged. Expires June 30.
All 22 truck finance deals ranked
Every advertised truck finance offer this June, sorted by Finance Score. Click any column to sort.
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Sourced from manufacturer websites June 2, 2026. Interest savings calculated versus a 7% loan over the advertised term. Score equals total savings divided by MSRP times 100.
Truck finance deals we evaluated but did not recommend
Offers that ranked below the top five
- 2026 RAM 1500 (18.81% score, 0% APR, 60 months) Just missed the top 5 at rank #6. Same score as the Frontier at #5 but a higher MSRP of $40,275. The 0% APR offer is strong. If the RAM platform is what you want, this is a legitimate Excellent-tier deal not far behind the top picks.
- 2025/2026 GMC Canyon and 2026 Chevrolet Colorado (cash bonus deals, 14.75% to 16.39% score) Both Canyon model years pair 3.9% APR with $3,000 cash. The Colorado adds $2,000 cash at the same rate. Good-tier deals, but the full-size GM trucks above them now offer 0% APR, which reduces the case for taking the cash-plus-rate structure at mid-size pricing.
- 2026 Chevrolet Silverado 2500/3500 (5.85% score, 4.90% APR) The heavy-duty Silverados moved to 4.90% APR with no cash bonus this month, dropping into weak territory. Last month the 2500/3500 were at 3.9% APR. If you need a heavy-duty GM truck, wait for better incentives or arrange your own financing.
- 2025 and 2026 Ford trucks (5.85% score, 4.90% APR) Ford remains absent from competitive truck financing in June. Every Ford pickup variant — F-150 (both model years), Ranger, and Maverick — sits at 4.90% APR. Near walk-away territory. If you want a Ford truck, arrange your own financing rather than taking the manufacturer rate.
How to evaluate any truck finance deal
The 30-second deal check
Two trucks with identical 0% APR offers can produce very different savings based purely on the loan term. A $40,000 truck at 0% over 72 months saves more than the same truck at 0% over 36 months, because you avoid interest on a larger outstanding balance for longer.
The formula that makes this comparison fair:
Finance score = total savings / MSRP x 100
Real example from this page: the 2025 Tundra at 0.99% over 72 months scores 19.71%. The 2026 Nissan Frontier at 0% over 60 months scores 18.81%. The Tundra edges out the Frontier despite not being a true 0% offer, purely because of the longer term on a larger loan balance.
What the ratings mean
Truck finance deals cluster in the 11% to 20% range when 0% APR is available. A score above 18% is a strong truck deal. Below 6% means the rate is close to market rate and you should shop for your own financing.
Frequently asked questions
These offers may vary based on location, credit score, and financing terms, and are not guaranteed. Use our free service to check discount car prices to get the best prices that include current manufacturer offers and incentives.
