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Best 0% APR Financing Deals For October 2020

Best 0% APR Car Deals

Best 0% APR Car DealsMany manufacturers are offering zero percent APR car deals this month on 2020 and 2021 models for well qualified buyers.

In addition to financing deals, most specials come with a bonus cash credit of up to $5,000. By paying no interest, drivers can save money on many of today's popular models from manufacturers like Ford, Toyota, and Chevrolet.

The 0% APR deal term lengths range from 24-72 months, but a majority are for 60 months.

Best 0% APR Financing Deals Right Now

Here's our picks for the best APR deals for the month of October. Some include bonus cash offers as well.

See the full list of all 0% APR vehicle purchase deals across all car brands below.

What does a 0% APR Offer Mean?

What does a 0% APR offer mean?

When you get a car loan from a dealership or lender, they make their money by charging you interest and loan fees.  These fees are factored into your monthly payment and spread out across the life of the loan.

The annual percentage rate (APR) is the percent of all your payments over a year that go towards interest and fees.  The higher the APR, the higher your monthly payment.

If a dealership offers a promotional 0% APR loan, they are waiving their loan fees and interest as an incentive to get you to buy a car. 100% of every payment you make will be applied to your loan principal.

Is 0% a good deal? (What’s the catch?)

Is 0% APR a good deal?0% APR car loans are offered as an promotion to get you in the door.  Sometimes these offers are a bait and switch and only apply to specific models and option packages that may be in limited stock.

Or, sometimes zero or low APR offers are actually good deals.  But dealerships will usually try to make money on the sale in other ways, like a higher car price, or add-ons like gap insurance or extended warranties. And sometimes the catch is that the low APR may only apply up to a certain amount requiring you to make a bigger down payment else pay a higher APR for anything above the limit.

And be sure to read the fine print as almost all zero APR offers require you to be a well qualified buyer with excellent credit.

What credit score do you need to get 0% financing?

What credit score do you need to get 0% financing?Lenders rarely advertise the minimum credit score to be eligible for 0% financing.  However, you'll typically need at least a 700 credit score and a score above 720 will give you a better chance of being approved.
Interest Free Car Deals (Who has 0% financing right now?)

All 0% Finance Deals for October 2020

Below is a list of all the current 0% APR deals offered by each manufacturer right now.

YearMakeModelBest Avail. APRLengthCash BonusExpiration
2020AudiA30.00%60 months11/2/2020
2020AudiA40.00%60 months11/2/2020
2020AudiA60.00%60 months11/2/2020
2020AudiA70.00%36 months11/2/2020
2020AudiA80.00%60 months11/2/2020
2020AudiQ30.00%36 months11/2/2020
2020AudiQ50.00%36 months11/2/2020
2020AudiQ70.00%36 months11/2/2020
2020BMWi30.00%60 months$7,500 11/2/2020
2020CadillacXT40.00%60 months$2,000 11/2/2020
2020CadillacXT50.00%60 months$2,000 11/2/2020
2020CadillacXT60.00%60 months$2,000 11/2/2020
2020ChryslerPacifica0.00%60 months$1,000 11/2/2020
2020ChryslerPacifica Hybrid0.00%72 months11/2/2020
2020Chrysler3000.00%36 months11/2/2020
2020ChryslerVoyager0.00%36 months11/2/2020
2020DodgeChallenger0.00%36 months$1,000 11/2/2020
2020DodgeDurango0.00%36 months$1,500 11/2/2020
2020DodgeJourney0.00%36 months$1,000 11/2/2020
2020DodgeGrand Caravan0.00%36 months$1,500 11/2/2020

YearMakeModelBest Avail. APRLengthCash BonusExpiration
2020HyundaiAccent0.00%48 months$50011/2/2020
2020HyundaiElantra0.00%60 months11/2/2020
2020HyundaiElantra GT0.00%60 months11/2/2020
2020HyundaiKona0.00%60 months11/2/2020
2021HyundaiKona0.00%60 months11/2/2020
2020HyundaiPalisade0.00%48 months11/2/2020
2020HyundaiSanta Fe0.00%72 months11/2/2020
2020HyundaiSonata0.00%72 months11/2/2020
2020HyundaiSonata Hybrid0.00%72 months11/2/2020
2019HyundaiSonata Plug-in Hybrid0.00%72 months$1,000 11/2/2020
2020HyundaiTucson0.00%72 months11/2/2020
2021HyundaiTucson0.00%72 months11/2/2020
2020HyundaiVenue0.00%60 months11/2/2020
2020InfinitiQ500.00%72 months11/2/2020
2020InfinitiQ600.00%72 months11/2/2020
2020InfinitiQX500.00%72 months11/2/2020
2020InfinitiQX600.00%72 months11/2/2020
2020InfinitiQX800.00%72 months11/2/2020
2020JaguarXE0.00%24-72 months11/2/2020
2020JaguarXF0.00%24-72 months11/2/2020
2020JaguarF-Pace0.00%24-72 months11/2/2020
2020JaguarF-Type0.00%24-72 months11/2/2020
2020JaguarI-Pace0.00%24-72 months11/2/2020
2020JeepCherokee0.00%36 months$2,000 11/2/2020
2021JeepCherokee0.00%60 months$75011/2/2020
2020JeepCompass0.00%60 months$1,250 11/2/2020
2021JeepCompass0.00%60 months$75011/2/2020
2020JeepGrand Cherokee0.00%36 months$1,000 11/2/2020
2021JeepGrand Cherokee0.00%36 months$50011/2/2020
2020JeepRenegade0.00%60 months$1,250 11/2/2020
2021JeepRenegade0.00%60 months$75011/2/2020
2020JeepWrangler0.00%36 months11/2/2020
2021JeepGladiator0.00%36 months$1,000 11/2/2020
2020KiaCadenza0.00%75 months11/2/2020
2020KiaForte0.00%66 months11/2/2020
2021KiaForte0.00%60 months11/2/2020
2020KiaNiro0.00%66 months11/2/2020
2020KiaNiro Plug-In Hybrid0.00%66 months11/2/2020
2020KiaOptima0.00%75 months11/2/2020
2020KiaRio0.00%66 months11/2/2020
2020KiaRio 5-Door0.00%66 months11/2/2020
2020KiaSedona0.00%75 months11/2/2020
2021KiaSedona0.00%66 months11/2/2020
2020KiaSorento0.00%75 months11/2/2020
2020KiaSoul0.00%75 months11/2/2020
2021KiaSoul0.00%66 months11/2/2020
2020KiaSportage0.00%75 months11/2/2020
2021KiaSportage0.00%66 months11/2/2020
2020KiaStinger0.00%75 months11/2/2020
2021KiaStinger0.00%66 months11/2/2020
2020KiaK9000.00%75 months11/2/2020
2020Land RoverVelar0.00%24-72 months11/2/2020
2020Land RoverEvoque0.00%24-60 months11/2/2020
2020Land RoverDiscovery Sport0.00%24-72 months11/2/2020
2020Land RoverRange Rover0.00%24-60 months11/2/2020
2020LexusES0.00%60 months11/2/2020
2020LexusES Hybrid0.00%60 months11/2/2020
2020LexusGS0.00%60 months11/2/2020
2020LexusGX0.00%60 months11/2/2020
2020LexusGS F0.00%60 months11/2/2020
2020LexusIS0.00%60 months11/2/2020
2020LexusLC0.00%60 months11/2/2020
2020LexusLC Hybrid0.00%60 months11/2/2020
2020LexusLS0.00%60 months11/2/2020
2020LexusLS Hybrid0.00%60 months11/2/2020
2020LexusLX0.00%60 months11/2/2020
2020LexusUX0.00%60 months11/2/2020
2020LexusUX Hybrid0.00%60 months11/2/2020
2020LexusNX0.00%60 months11/2/2020
2020LexusNX Hybrid0.00%60 months11/2/2020
2020LexusRC0.00%60 months11/2/2020
2020LexusRC F0.00%60 months11/2/2020
2020LexusRX0.00%60 months11/2/2020
2020LexusRX Hybrid0.00%60 months11/2/2020
2020MazdaCX-30.00%60 months11/2/2020
2020MazdaCX-50.00%60 months11/2/2020
2020MazdaCX-90.00%60 months$50011/2/2020
2020MazdaCX-300.00%60 months$50011/2/2020
2020Mazda3 Sedan0.00%60 months$50011/2/2020
2020Mazda3 Hatchback0.00%60 months$50011/2/2020
2020Mazda60.00%60 months$50011/2/2020
2020MazdaMX-5 Miata RF0.00%60 months11/2/2020
2020MazdaMX-5 Miata0.00%60 months11/2/2020
2019MitsubishiEclipse Cross0.00%72 months$1,500 11/2/2020
2020MitsubishiEclipse Cross0.00%60 months$75011/2/2020
2019MitsubishiOutlander Phev0.00%72 months$2,000 11/2/2020
2020MitsubishiOutlander Phev0.00%60 months$1,000 11/2/2020
2019MitsubishiOutlander0.00%72 months$1,500 11/2/2020
2020MitsubishiOutlander0.00%60 months$75011/2/2020
2019MitsubishiOutlander Sport0.00%72 months$1,500 11/2/2020
2020MitsubishiOutlander Sport0.00%72 months$75011/2/2020
2019MitsubishiMirage0.00%60 months$1,250 11/2/2020
2020MitsubishiMirage0.00%60 months$50011/2/2020
2019MitsubishiMirage G40.00%60 months$1,500 11/2/2020
2020MitsubishiMirage G40.00%60 months$75011/2/2020
2020NissanAltima0.00%72 months$1,500 11/2/2020
2020NissanFrontier0.00%72 months11/2/2020
2020NissanKicks0.00%36 months$50011/2/2020
2020NissanLeaf0.00%72 months$50011/2/2020
2020NissanMaxima0.00%36 months$2,000 11/2/2020
2020NissanMurano0.00%72 months$3,500 11/2/2020
2020NissanPathfinder0.00%72 months$2,250 11/2/2020
2020NissanRogue0.00%60 months$1,500 11/2/2020
2020NissanRogue Sport0.00%60 months$1,000 11/2/2020
2020NissanSentra0.00%36 months$50011/2/2020
2020NissanTitan0.00%84 months$2,000 11/2/2020
2021NissanTitan0.00%72 months$1,000 11/2/2020
2020NissanTitan XD0.00%84 months$2,000 11/2/2020
2020NissanVersa0.00%36 months11/2/2020
2020SubaruAscent0.00%63 months11/2/2020
2020SubaruForester0.00%63 months11/2/2020
2020SubaruImpreza0.00%63 months11/2/2020
2020SubaruLegacy0.00%63 months11/2/2020
2020SubaruOutback0.00%63 months11/2/2020
2020ToyotaAvalon0.00%60 months11/2/2020
2020ToyotaAvalon Hybrid0.00%60 months11/2/2020
2020ToyotaCamry0.00%60 months11/2/2020
2020ToyotaCamry Hybrid0.00%60 months11/2/2020
2021ToyotaCorolla Hybrid0.00%60 months11/2/2020
2020ToyotaPrius0.00%60 months11/2/2020
2020ToyotaRAV40.00%60 months11/2/2020
2020ToyotaGR Supra0.00%60 months11/2/2020
2020VolkswagenAtlas0.00%72 months11/2/2020
2020VolkswagenAtlas Cross Sport0.00%60 months11/2/2020
2020VolkswagenGolf0.00%60 months11/2/2020
2020VolkswagenGolf GTI0.00%60 months11/2/2020
2020VolkswagenJetta GLI0.00%72 months11/2/2020
2020VolkswagenJetta0.00%72 months11/2/2020
2020VolkswagenPassat0.00%72 months11/2/2020
2020VolkswagenTiguan0.00%72 months11/2/2020
2020VolkswagenArteon0.00%72 months11/2/2020
2021VolvoXC900.00%60 months11/2/2020
2021VolvoXC600.00%60 months11/2/2020
2021VolvoXC400.00%60 months11/2/2020
2021VolvoS900.00%60 months11/2/2020
2021VolvoS600.00%60 months11/2/2020
2021VolvoV90 Cross Country0.00%60 months11/2/2020
2021VolvoV900.00%60 months11/2/2020
2021VolvoV600.00%60 months11/2/2020
2021VolvoV60 Cross Country0.00%60 months11/2/2020

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.

Frequently Asked Questions

What car dealers are offering zero percent financing?

Buick, Chevy, Hyundai, Nissan, and more.

Is there a catch to 0% APR car deals?

Sometimes APR deals are tied to buying a car at a non-negotiable price or have a short loan term like 24 or 36 months.  But if you look closely, sometimes you can find good deals without a catch.

Is a 72 month car loan bad?

72 and 84 month loans are worse than shorter loans.  The longer the loan term, the more you’ll end up paying in interest over the life of the loan.  However, if you have 0% APR, a longer loan can be good because you’re not paying any interest at all.

What does 0 APR for 60 months mean?

Zero APR means you pay 0% interest on your car loan.  60 months is the duration of the loan (and the total number of monthly payments).

Is it better to finance a car through a bank or the dealership?

You can get a loan through dealer financing or through your bank or credit union.  Go with whoever offers you the best lending terms unless getting a loan is tied to a discount on the price of a car.

Does 0% APR hurt your credit?

No, it’s just the interest rate on an auto loan and doesn’t have anything to do with your credit.