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Best 0% APR Financing Deals For August 2020

Best 0% APR Car Deals

Best 0% APR Car DealsMany manufacturers are offering zero percent APR car deals this month on 2019 and 2020 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. Some notable ones this month are on the 2019 Buick Regal TourX, 2019 Hyundai Tucson, and 2020 Nissan Murano.

Best 0% APR Financing Deals Right Now

Here's our picks for the best APR deals for the month of August. 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 August 2020

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

YearMakeModelBest Avail. APRLengthCash BonusExpiration
2019AudiA30.00%66 months8/31/20
2020AudiA30.00%36 months8/31/20
2019AudiA40.00%72 months8/31/20
2020AudiA40.00%36 months8/31/20
2019AudiA50.00%72 months8/31/20
2019AudiA60.00%72 months8/31/20
2020AudiA60.00%36 months8/31/20
2019AudiA70.00%66 months8/31/20
2020AudiA70.00%36 months8/31/20
2019AudiA80.00%66 months8/31/20
2020AudiA80.00%36 months8/31/20
2019AudiQ30.00%66 months8/31/20
2019AudiQ50.00%66 months8/31/20
2020AudiQ50.00%36 months8/31/20
2020AudiQ5 e0.00%36 months8/31/20
2019AudiQ70.00%72 months8/31/20
2020AudiQ70.00%36 months8/31/20
2019AudiQ80.00%66 months8/31/20
2019AudiE-Tron0.00%72 months8/31/20
2019AudiRS 30.00%36 months8/31/20
2019AudiS30.00%66 months8/31/20
2020AudiS30.00%36 months8/31/20
2019AudiS40.00%72 months8/31/20
2020AudiS40.00%36 months8/31/20
2019AudiS50.00%72 months8/31/20
2020AudiS60.00%36 months8/31/20
2020AudiS70.00%36 months8/31/20
2020AudiS80.00%36 months8/31/20
2020AudiSQ50.00%36 months8/31/20
2020AudiSQ70.00%36 months8/31/20
2020BMWi30.00%60 months$7,500 8/31/20
2020CadillacCT60.00%60 months$1,000 8/31/20
2020CadillacXT40.00%60 months$1,500 8/31/20
2020CadillacXT50.00%60 months$1,500 8/31/20
2020CadillacXT60.00%60 months$1,500 8/31/20
2020Chrysler3000.00%36 months8/31/20
2020ChryslerVoyager0.00%36 months8/31/20
2020DodgeJourney0.00%36 months$1,000 8/31/20
2020FordEcoSport0.00%72 months8/31/20
2019FordRanger0.00%72 months8/31/20
2019FordFlex0.00%72 months8/31/20
2019FordMustang0.00%72 months8/31/20

YearMakeModelBest Avail. APRLengthCash BonusExpiration
2020HyundaiAccent0.00%48 months$5008/3/20
2019HyundaiElantra0.00%72 months$5008/3/20
2020HyundaiElantra0.00%60 months8/3/20
2019HyundaiElantra GT0.00%60 months8/3/20
2019HyundaiKona Electric0.00%60 months$5008/3/20
2020HyundaiSanta Fe0.00%72 months8/3/20
2019HyundaiSonata0.00%60 months$5008/3/20
2020HyundaiSonata0.00%60 months8/3/20
2019HyundaiSonata Hybrid0.00%60 months$5008/3/20
2020HyundaiSonata Hybrid0.00%60 months8/3/20
2019HyundaiSonata Plug-in Hybrid0.00%60 months$5008/3/20
2019HyundaiTucson0.00%72 months$1,000 8/3/20
2020HyundaiTucson0.00%72 months8/3/20
2020HyundaiVenue0.00%36 months8/3/20
2020InfinitiQ500.00%72 months8/31/20
2020InfinitiQ600.00%72 months8/31/20
2020InfinitiQX500.00%72 months8/31/20
2020InfinitiQX600.00%72 months8/31/20
2020InfinitiQX800.00%72 months8/31/20
2020JaguarXE0.00%24-72 months8/31/20
2020JaguarXF0.00%24-72 months8/31/20
2020JaguarE-Pace0.00%24-72 months8/31/20
2020JaguarF-Pace0.00%24-72 months8/31/20
2020JaguarF-Type0.00%24-72 months8/31/20
2020JaguarI-Pace0.00%24-72 months8/31/20
2020KiaCadenza0.00%66 months9/8/20
2020KiaForte0.00%60 months$1,000 9/8/20
2020KiaNiro0.00%60 months$1,000 9/8/20
2020KiaNiro Plug-In Hybrid0.00%60 months$1,000 9/8/20
2020KiaOptima0.00%66 months$2,000 9/8/20
2020KiaSedona0.00%66 months9/8/20
2021KiaSedona0.00%60 months9/8/20
2020KiaSorento0.00%66 months$3,000 9/8/20
2020KiaSoul0.00%66 months$1,000 9/8/20
2020KiaSportage0.00%66 months$1,000 9/8/20
2020KiaStinger0.00%66 months$2,000 9/8/20
2020KiaK9000.00%66 months$2,000 9/8/20
2020Land RoverVelar0.00%24-72 months8/31/20
2020Land RoverEvoque0.00%24-72 months8/31/20
2020Land RoverDiscovery0.00%24-72 months8/31/20
2020Land RoverDiscovery Sport0.00%24-72 months8/31/20
2020Land RoverRange Rover Sport0.00%24-72 months8/31/20
2020Land RoverRange Rover0.00%24-72 months8/31/20
2020LexusES0.00%60 months8/31/20
2020LexusES Hybrid0.00%60 months8/31/20
2020LexusGS0.00%60 months8/31/20
2020LexusGX0.00%60 months8/31/20
2020LexusGS F0.00%60 months8/31/20
2020LexusIS0.00%60 months8/31/20
2020LexusLC0.00%60 months8/31/20
2020LexusLC Hybrid0.00%60 months8/31/20
2020LexusLS0.00%60 months8/31/20
2020LexusLS Hybrid0.00%60 months8/31/20
2020LexusLX0.00%60 months8/31/20
2020LexusUX0.00%60 months8/31/20
2020LexusUX Hybrid0.00%60 months8/31/20
2020LexusNX0.00%60 months8/31/20
2020LexusNX Hybrid0.00%60 months8/31/20
2020LexusRC0.00%60 months8/31/20
2020LexusRC F0.00%60 months8/31/20
2020LexusRX0.00%60 months8/31/20
2020LexusRX Hybrid0.00%60 months8/31/20
2020LincolnMKZ0.00%72 months8/31/20
2020LincolnMKZ Hybrid Reserve0.00%72 months8/31/20
2020MazdaCX-30.00%60 months8/31/20
2020MazdaCX-50.00%60 months8/31/20
2020MazdaCX-90.00%60 months$5008/31/20
2020MazdaCX-300.00%60 months$5008/31/20
2020Mazda3 Sedan0.00%60 months$5008/31/20
2020Mazda3 Hatchback0.00%60 months$5008/31/20
2020Mazda60.00%60 months$5008/31/20
2020MazdaMX-5 Miata RF0.00%60 months8/31/20
2020MazdaMX-5 Miata0.00%60 months8/31/20
2019MitsubishiEclipse Cross0.00%72 months$7508/31/20
2020MitsubishiEclipse Cross0.00%60 months$5008/31/20
2019MitsubishiOutlander Phev0.00%72 months$7508/31/20
2020MitsubishiOutlander Phev0.00%60 months$5008/31/20
2019MitsubishiOutlander0.00%72 months$1,250 8/31/20
2020MitsubishiOutlander0.00%60 months$5008/31/20
2019MitsubishiOutlander Sport0.00%72 months$1,250 8/31/20
2020MitsubishiOutlander Sport0.00%60 months$5008/31/20
2019MitsubishiMirage0.00%60 months$1,000 8/31/20
2020MitsubishiMirage0.00%60 months$5008/31/20
2019MitsubishiMirage G40.00%60 months$1,250 8/31/20
2020MitsubishiMirage G40.00%60 months$7508/31/20
2020MercedesA-Class0.00%24-36 months8/31/20
2020MercedesC-Class0.00%24-36 months8/31/20
2020MercedesE-Class0.00%24-36 months8/31/20
2020MercedesGLA-Class0.00%24-36 months8/31/20
2019MercedesGLE-Class0.00%24-36 months8/31/20
2020NissanAltima0.00%36 months$1,500 9/8/20
2020NissanKicks0.00%36 months$5009/8/20
2019NissanLeaf0.00%60 months$1,000 9/8/20
2020NissanLeaf0.00%72 months$5009/8/20
2020NissanMaxima0.00%36 months$2,000 9/8/20
2020NissanMurano0.00%36 months$3,500 9/8/20
2019NissanPathfinder0.00%36 months$5009/8/20
2020NissanPathfinder0.00%36 months$2,750 9/8/20
2020NissanRogue0.00%60 months$1,500 9/8/20
2020NissanRogue Sport0.00%60 months$1,500 9/8/20
2020NissanSentra0.00%36 months$7509/8/20
2020NissanTitan0.00%72 months$2,000 9/8/20
2020NissanTitan XD0.00%72 months$2,000 9/8/20
2020SubaruAscent0.00%63 months8/31/20
2020SubaruForester0.00%63 months8/31/20
2020SubaruImpreza0.00%63 months8/31/20
2020SubaruLegacy0.00%63 months8/31/20
2020SubaruOutback0.00%63 months8/31/20
2020ToyotaAvalon0.00%60 months8/31/20
2020ToyotaAvalon Hybrid0.00%60 months8/31/20
2020ToyotaCamry0.00%60 months8/31/20
2020ToyotaCamry Hybrid0.00%60 months8/31/20
2020ToyotaCorolla0.00%60 months8/31/20
2020ToyotaCorolla Hatchback0.00%60 months8/31/20
2020ToyotaPrius0.00%60 months8/31/20
2020ToyotaRAV40.00%60 months8/31/20
2020ToyotaGR Supra0.00%60 months8/31/20
2019VolkswagenAtlas0.00%72 months8/31/20
2020VolkswagenAtlas0.00%72 months8/31/20
2020VolkswagenAtlas Cross Sport0.00%60 months8/31/20
2019VolkswagenBeetle0.00%72 months8/31/20
2019VolkswagenBeetle Convertible0.00%72 months8/31/20
2019VolkswagenGolf0.00%72 months8/31/20
2020VolkswagenGolf0.00%72 months8/31/20
2019VolkswagenGolf R0.00%72 months8/31/20
2019VolkswagenGolf Alltrack0.00%72 months8/31/20
2019VolkswagenGolf SportWagen0.00%72 months8/31/20
2019VolkswagenGolf GTI0.00%72 months8/31/20
2020VolkswagenGolf GTI0.00%72 months8/31/20
2019VolkswagenJetta GLI0.00%72 months8/31/20
2020VolkswagenJetta GLI0.00%72 months8/31/20
2019VolkswagenJetta0.00%72 months8/31/20
2020VolkswagenJetta0.00%72 months8/31/20
2019VolkswagenPassat0.00%72 months8/31/20
2020VolkswagenPassat0.00%72 months8/31/20
2019VolkswagenTiguan0.00%72 months8/31/20
2020VolkswagenTiguan0.00%72 months8/31/20
2019VolkswagenArteon0.00%72 months8/31/20
2020VolkswagenArteon0.00%72 months8/31/20
2020VolvoXC900.00%60 months8/31/20
2020VolvoXC600.00%60 months8/31/20
2020VolvoXC400.00%60 months8/31/20
2020VolvoS900.00%60 months8/31/20
2020VolvoS600.00%60 months8/31/20
2020VolvoV90 Cross Country0.00%60 months8/31/20
2020VolvoV900.00%60 months8/31/20
2020VolvoV600.00%60 months8/31/20

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

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. See all 0% APR offers this month.

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.

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).  See all 0% APR offers this month.

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.

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