Best 0% APR Deals on Luxury Cars and SUVs for May 2025
Car manufacturers are offering zero percent APR deals on both luxury cars and SUVs to entice car buyers to spend in a down economy
A few deals each month have bonus cash back offers that allow buyers to save a few hundred or even a couple thousand dollars on a new luxury vehicle.
With dealers and brands so eager to revive sales, high-end car buyers can easily find an interest free deal on many 2024 and 2025 models.
0% or Low-Interest Finance Deals on Luxury Cars
Here are our picks for the best APR deals on luxury cars for the month of May. Some include bonus cash offers as well.
Please note that 0% APR specials are hard to come by right now, especially for luxury brands. So we’ve included a few low-interest finance specials for this month.
1. 2024 Jaguar XF
Finance Deal: 2.90% APR for 12-60 months
2. 2024 BMW 2 Series
Finance Deal: 2.99% APR for 60 months
3. 2025 Mercedes-Benz C-Class
Finance Deal: 2.99% APR for 24-36 months
4. 2025 BMW 4 Series
Finance Deal: 2.99% APR for 60 months
5. 2025 Lexus ES 350
Finance Deal: 3.79% APR for 48 months
| Year | Make | Model | Best Avail. APR | Length | Cash Bonus | Expiration | Check Prices |
|---|---|---|---|---|---|---|---|
| 2024 | Jaguar | XF | 2.90% | 12-60 months | 6/2/25 | Check Prices | |
| 2024 | BMW | 2 Series | 2.99% | 60 months | 6/2/25 | Check Prices | |
| 2025 | Mercedes-Benz | C-Class | 2.99% | 24-36 months | 6/2/25 | Check Prices | |
| 2025 | BMW | 4 Series | 2.99% | 60 months | 6/2/25 | Check Prices | |
| 2025 | Lexus | ES 350 | 3.79% | 48 months | 6/2/25 | Check Prices |
0% or Low-Interest Finance Deals on Luxury SUVs
Here are our picks for the best APR deals on luxury SUVs for the month of May. Some include bonus cash offers as well.
1. 2025 Infiniti QX60
Finance Deal: 1.90% APR for 60 months
2. 2025 Lexus RZ 450e
Finance Deal: 0.00% APR for 72 months
3. 2025 Mercedes-Benz GLS
Finance Deal: 1.99% APR for 24-36 months
4. 2025 Jaguar F-Pace
Finance Deal: 2.90% APR for 12-60 months
5. 2025 Audi Q5
Finance Deal: 2.99% APR for 72 months plus $3,000 in bonus cash
| Year | Make | Model | Best Avail. APR | Length | Cash Bonus | Expiration | Check Prices |
|---|---|---|---|---|---|---|---|
| 2025 | Infiniti | QX60 | 1.90% | 60 months | 6/2/25 | Check Prices | |
| 2025 | Lexus | RZ 450e | 0.00% | 72 months | 6/2/25 | Check Prices | |
| 2025 | Mercedes-Benz | GLS | 1.99% | 24-36 months | 6/2/25 | Check Prices | |
| 2025 | Jaguar | F-Pace | 2.90% | 12-60 months | 6/2/25 | Check Prices | |
| 2025 | Audi | Q5 | 2.99% | 72 months | $3,000 | 6/2/25 | Check Prices |
Car Deals Aren’t The Only Way to Save!
What to Consider Before Financing a Luxury Car
Luxury vehicles come with top-of-the-line features and amenities for comfort, design, and performance, but of course come with a high price tag. Before splurging on a high-end vehicle, here are a few considerations.
1 – Type of Luxury Vehicle
Luxury vehicles can be broken down by size into classes like compact, mid-size, and full-size. But it’s easiest to start by simply determining whether you want a luxury car or an SUV.
- Luxury Cars come in coupes (2 door), sedans (4 door), convertibles, and sports cars. You can expect sleek, head-turning designs with premium comfort features and technology. And of course, many high-end performance and safety features come standard.
The average starting price for an entry-level luxury car is in the low $30,000 range.
- Luxury SUV’s have become extremely popular for those looking for creature comforts but with added headroom and the ability to handle rough conditions with all-wheel drive and added vehicle weight.
Luxury crossovers and SUVs are more expensive than cars but start as low as the $30,000 range.
Check out our top picks for:
2 – Loan Terms
Long-term loans, especially on luxury vehicles, typically cost much more in the end due to how much interest is charged and having a higher APR.
With long-term loan deals that come with 0% APR, it seems like the story is a little different.
If you see a great deal on a luxury car, like 0 percent financing for 72 months, it’s worth consideration. Remember that there are probably other ways that the lender is getting their money, like charging extra for add-ons or extended warranties.
Just make sure that you look at the fine print and see if it may be a better deal to take out a traditional loan.
3 – Do You Qualify for the Best Rates?
When loan amounts get high, so does the minimum credit score you need to finance. A credit score of 720 or higher will likely be required to get the best interest rates and published APR specials.
How Can You Purchase a Luxury Vehicle with Bad Credit?
In order to obtain zero percent financing for a luxury SUV or car you will need pristine credit. Otherwise, you’ll be paying inflated interest rates and more money over the life of your loan. To reduce the amount you pay, here are a few suggestions.
- Try to reduce the purchase price by finding more than one dealer and getting competing price quotes.
- Pay as much upfront as possible. If you can afford it, a big down payment will result in lower monthly payments.
- Shopping around for financing online where you can expect to pay a lower APR than a bad credit loan at the dealership.
- Buying a slightly used luxury vehicle instead. You can save a bundle by getting a luxury vehicle that’s a couple of years old.
Don’t Choose a Car Based Only on Incentives
Use my free service to get the BEST PRICES from several dealers at once.
These offers may vary based on location, credit score, and financing terms and are not guaranteed. So use my free service to Check Discount Car Prices to get the best prices that include current manufacturer offers and incentives.
