Best 0% APR Car Finance Deals June 2026 | Kia Niro EV Leads
Part of our monthly best car deals coverage. See all current offers ranked.
June 2026 has a notable shakeup at the top. The Kia Niro EV takes the lead from the EV6 for the first time, while the Chrysler Pacifica makes a surprise debut at #7 with 1.9% APR and a $5,500 cash bonus — strong for a minivan and the only non-EV in the top 10 with a cash bonus. The Mazda CX-90 PHEV and CX-70 PHEV both enter the top 10 with 0% APR over 72 months.
Two Elite-tier deals softened: the Ioniq 5’s cash bonus dropped from $3,000 to $1,000 and the Lexus RZ 450e’s cash bonus dropped from $5,000 to $4,500. Both remain in the top 10 but with lower scores.
Every deal is ranked using a Finance Score: total savings versus a 7% loan (interest savings plus any cash bonus) divided by the vehicle’s MSRP, expressed as a percentage. A higher score means more money saved relative to the vehicle’s price.
0% APR alone is good. 0% APR combined with a cash bonus is better.
Best 0% APR Deals Right Now [Video]
We review every major manufacturer’s advertised finance offer each month and rank them by total value, not just by the headline APR.- The Kia Niro EV leads the overall rankings for the first time at 31.57%, edging out the EV6. Both carry 0% APR over 72 months with a $3,500 cash bonus. The EV6’s interest savings increased this month, keeping it close at 30.91%
- The Chrysler Pacifica enters the top 10 at #7 with 1.9% APR plus a $5,500 cash bonus — the highest cash bonus in the top 10. Its lease program was absent in May but it returns as a finance standout
- Ioniq 5 and Lexus RZ 450e both softened. The Ioniq 5’s cash bonus dropped from $3,000 to $1,000 (score 31.3%→25.61%). The RZ 450e’s bonus dropped from $5,000 to $4,500 (score 28.6%→27.67%)
- The Lincoln Navigator now produces negative savings versus the 7% baseline at -2.02%. Its 7.49% APR costs more than arranging your own financing at market rate
Best finance deals right now
Top 10 picks for June 2026, ranked by Finance Score: total savings versus 7% financing as a percentage of vehicle price.
The Niro EV takes the top spot for the first time, edging out the EV6 at 31.57% vs 30.91%. Both carry 0% APR over 72 months plus a $3,500 cash bonus. The Niro EV ranks higher because it has the lower MSRP: $39,700 versus the EV6’s $42,900.
Total savings of $12,533 on a $39,700 EV. If you want the most affordable Kia EV with the best financing available this month, this is the pick.
Drops from #1 to #2 as the Niro EV edges ahead on score. Total savings actually increased slightly to $13,261 (up from $14,761 in May, but those figures include different interest savings calculations this month). Both models carry the same 0% APR over 72 months plus $3,500 cash structure.
If you want the more driver-focused EV crossover, the EV6 is the pick. The finance structure is essentially identical to the Niro EV — choose based on which vehicle fits your needs.
Same terms as May. The three-row electric SUV option for buyers who want to finance. $15,325 in total savings on a $54,900 vehicle, the highest absolute dollar savings of any deal with a cash bonus this month. Strong pick if you need a large EV and plan to own long term.
Same terms as May. Highest absolute dollar savings of any deal this month at $16,414. The IONIQ 9 also leads the lease rankings at 0.86% LVR. Whether you lease or finance, this vehicle has the most compelling incentive structure of any large family EV in June 2026.
Financing at 0% over 72 months on a $58,955 three-row SUV with a $3,000 cash bonus on top.
The cash bonus dropped from $5,000 in May to $4,500 in June, nudging the score from 28.6% to 27.67%. Still the best finance deal on any luxury vehicle this month and the strongest option for buyers who want to own a luxury EV rather than lease.
Expires June 30, earlier than the Kia and Hyundai deals that run to July 6. Act before month end if this is your pick.
The cash bonus dropped from $3,000 in May to $1,000 in June. Score falls from 31.3% to 25.61%, dropping three spots from #3. Still Elite-tier and still the most affordable vehicle in the top six at $35,000.
0% APR over 72 months on Hyundai’s compact electric SUV. If you want an all-electric daily driver at a mainstream price, this remains the pick despite the smaller bonus.
The biggest surprise in the June rankings. The Chrysler Pacifica has been absent from the lease market for two straight months, but it returns as a finance standout. The $5,500 cash bonus is the highest in the top 10, and 1.9% APR over 48 months is competitive for a non-EV minivan.
Total savings of $10,252 on a $43,145 minivan. Note it is not 0% APR — the 1.9% rate plus the large cash bonus combine to a 23.76% score. If you were planning to buy a minivan this month, this is a very strong deal. Expires June 30.
Same terms as May. Jeep’s electric SUV with 0% APR over 72 months saves $14,835 on a $65,200 vehicle, among the highest absolute savings in the top 10. No cash bonus, but the rate alone is the story. Expires June 30.
New to the top 10. The Mazda CX-90 PHEV enters with 0% APR over 72 months, saving $11,489 on a $50,495 three-row plug-in hybrid. No cash bonus, but the 72-month zero rate on a PHEV is rare. Mazda rarely offers financing this aggressive.
The two-row sibling to the CX-90 PHEV, also entering the top 10 this month with the same 0% APR over 72 months structure. If you want a Mazda PHEV and don’t need the third row, the CX-70 saves $10,068 on a $44,250 vehicle. Both Mazda PHEVs expire June 30.
0% APR deals that also include a cash bonus
These deals offer both zero percent financing and an additional cash payment. The cash is separate from the interest savings and can be applied to the purchase price.
Getting 0% APR on its own is a strong deal. Getting 0% APR plus a cash bonus is rare. In June 2026, seven deals offer both. Six are electric or plug-in hybrid vehicles; the seventh is the Infiniti QX60, a gas luxury SUV that debuts with 0% APR over 60 months and a $1,000 bonus.
The seven 0% APR plus cash bonus deals this month, ranked by score:
1. 2026 Kia Niro EV, 0% APR, $3,500 bonus, $12,533 total savings
2. 2025 Kia EV6, 0% APR, $3,500 bonus, $13,261 total savings
3. 2026 Kia EV9, 0% APR, $5,000 bonus, $15,325 total savings
4. 2026 Hyundai IONIQ 9, 0% APR, $3,000 bonus, $16,414 total savings
5. 2026 Lexus RZ 450e, 0% APR, $4,500 bonus, $14,053 total savings
6. 2026 Hyundai Ioniq 5, 0% APR, $1,000 bonus, $8,964 total savings
7. 2026 Infiniti QX60, 0% APR, $1,000 bonus, $10,441 total savings
The Ioniq 5’s bonus dropped from $3,000 to $1,000 this month. The Infiniti QX60 is a new addition with a smaller bonus but a strong 0% APR offer on a luxury SUV. See the APR deals with cash back page for the complete ranked list.
All finance deals ranked
Every advertised finance offer reviewed this June, ranked 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 on the vehicle’s MSRP. Cash bonus is a manufacturer incentive tied to the finance offer. Score equals (interest savings + cash bonus) divided by MSRP, expressed as a percentage.
Finance deals by vehicle type
Best 0% APR pick in each category. Full ranked lists available on each category page.
Finance deals we evaluated but did not recommend
Notable offers that did not score well this month
- 2026 Lincoln Navigator (score: -2.02%) Lincoln’s 7.49% APR across all four models now costs more than arranging your own financing at the 7% market baseline. The Navigator’s score is literally negative: you lose $1,860 versus a standard market rate loan. Lincoln offers no financing incentive worth taking. Pay cash or find your own lender.
- 2026 Toyota Prius (5.49% APR, 72 months) The Prius saves only 5.2% at 5.49% APR. That is one of the weakest scores among any Toyota this month. Toyota’s EV and hybrid finance offerings are considerably stronger. The Prius lease at 1.33% LVR is also nothing special this month.
- 2026 Mercedes-Benz C-Class and E-Class (3.99% APR, 24 months) Short 24-month terms at 3.99% produce weak scores of 3.25%. The math is doubly poor: a high rate combined with a short term means minimal interest savings compared to any 7% baseline. If you want a Mercedes-Benz, the finance offers are not a reason to act this month.
- Ford mainstream gas models (4.90% APR) The F-150, Bronco, Mustang, Explorer, Ranger, and Maverick all sit at 4.90% APR for 60 months. Scores cluster around 5.8% — fair tier at best. Ford’s Mach-E at 0% for 60 months remains the outlier and a far better deal within the brand.
How to evaluate any finance deal
The Finance Score explained
The APR headline is the starting point, not the whole picture. Two things determine how much you actually save: the rate itself, and the length of the term. A 0% APR loan over 72 months saves more than a 0% APR loan over 36 months because you are avoiding interest on the same balance for twice as long.
We calculate savings versus a 7% loan, roughly the current market rate for auto financing without manufacturer incentives. The formula:
Total savings = interest savings + cash bonus (if any)
Finance score = total savings / MSRP x 100
A score above 20% means you are saving more than a fifth of the vehicle’s value over the loan term. The top deals this month exceed 30%. Any score below 5% means the offer is barely better than market rate.
What the ratings mean
Finance scores work differently from lease value ratios. Higher is better. The ratings below reflect what is achievable in the current market, not an absolute standard.
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.
