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Best 0% APR Financing Deals For February 2020

Best 0% APR Car Deals

Many 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 Tuscon, and 2020 Nissan Murano.

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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?)

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

Tip: To truly get a good deal, you’ll want to get prices from several dealerships. (click the orange button above and Get Prices).

YearMakeModelBest Avail. APRLengthCash BonusExpiration
2019BMWi30.00%60 months$7,500 3/2/20
2020BuickEnclave0.00%72 months3/2/20
2020BuickEncore0.00%72 months3/2/20
2020BuickEnvision0.00%72 months3/2/20
2020GMCAcadia0.00%72 months3/2/20
2020GMCCanyon0.00%60 months3/2/20
2019GMCSierra 1500 Limited0.00%72 months$2,000 3/2/20
2020GMCSierra 15000.00%72 months$5003/2/20
2019GMCSierra 25000.00%72 months$1,000 3/2/20
2019GMCSierra 35000.00%72 months$1,000 3/2/20
2019GMCTerrain0.00%72 months$7503/2/20
2020GMCTerrain0.00%72 months3/2/20
2019GMCYukon0.00%72 months$5003/2/20
2020GMCYukon0.00%60 months3/2/20
2019GMCYukon XL0.00%72 months$7503/2/20
2020GMCYukon XL0.00%60 months3/2/20
2020CadillacCT60.00%60 months$1,000 3/2/20
2020CadillacXT40.00%60 months$1,500 3/2/20
2020CadillacXT50.00%60 months$1,500 3/2/20
2020CadillacXT60.00%60 months$1,500 3/2/20
2019ChevroletBolt0.00%72 months$5,000 3/2/20
2020ChevroletBolt0.00%72 months$5,000 3/2/20
2019ChevroletBlazer0.00%60 months3/2/20
2019ChevroletEquinox0.00%72 months$1,250 3/2/20
2020ChevroletEquinox0.00%72 months$1,000 3/2/20
2019ChevroletSilverado LD0.00%72 months$3,000 3/2/20
2019ChevroletSilverado 15000.00%72 months3/2/20
2019ChevroletSonic0.00%60 months3/2/20
2019ChevroletSpark0.00%60 months3/2/20
2019ChevroletTraverse0.00%72 months$1,500 3/2/20
2019ChevroletTrax0.00%72 months$1,500 3/2/20
2020ChevroletTrax0.00%72 months$5003/2/20

STOP! Don’t choose a car based on incentives alone.

Use my free service to Check Discount Car Prices from several dealers at once. Start a bidding war to get yourself the lowest possible price.


YearMakeModelBest Avail. APRLengthCash BonusExpiration
2019HyundaiElantra0.00%72 months$5003/31/20
2020HyundaiElantra0.00%72 months3/31/20
2019HyundaiElantra GT0.00%60 months3/31/20
2020HyundaiElantra GT0.00%60 months3/31/20
2019HyundaiKona0.00%60 months$5003/31/20
2020HyundaiKona0.00%60 months3/31/20
2019HyundaiSanta Fe0.00%72 months$5003/31/20
2020HyundaiSanta Fe0.00%60 months3/31/20
2019HyundaiSonata0.00%60 months$5003/31/20
2019HyundaiSonata Hybrid0.00%60 months$5003/31/20
2019HyundaiTucson0.00%72 months$1,000 3/31/20
2020HyundaiTucson0.00%60 months3/31/20
2019InfinitiQX800.00%60 months3/2/20
2019JaguarXJ0.00%24-60 months3/31/20
2019KiaCadenza0.00%72 months3/2/20
2020KiaForte0.00%60 months3/2/20
2019KiaNiro0.00%66 months3/2/20
2019KiaNiro Plug-In Hybrid0.00%60 months3/2/20
2020KiaOptima0.00%66 months3/2/20
2020KiaSedona0.00%66 months3/2/20
2019KiaSorento0.00%72 months3/2/20
2020KiaSorento0.00%66 months3/2/20
2020KiaSoul0.00%60 months3/2/20
2020KiaSportage0.00%66 months3/2/20
2019KiaStinger0.00%72 months3/2/20
2019KiaK9000.00%72 months3/2/20
2019LexusIS0.00%60 months3/2/20
2019LexusLC Hybrid0.00%60 months3/2/20
2019LexusLS0.00%60 months3/2/20
2019LexusLS Hybrid0.00%60 months3/2/20
2019LexusRX0.00%60 months3/2/20
2019LexusRX Hybrid0.00%60 months3/2/20
2020LincolnMKZ0.00%72 months3/31/20
2019MitsubishiEclipse Cross0.00%72 months$5003/31/20
2020MitsubishiEclipse Cross0.00%60 months$5003/31/20
2019MitsubishiOutlander Phev0.00%72 months3/31/20
2020MitsubishiOutlander Phev0.00%60 months3/31/20
2019MitsubishiOutlander0.00%72 months$2503/31/20
2020MitsubishiOutlander0.00%60 months$5003/31/20
2019MitsubishiOutlander Sport0.00%72 months$2503/31/20
2020MitsubishiOutlander Sport0.00%60 months$5003/31/20
2019MitsubishiMirage0.00%48 months3/31/20
2020MitsubishiMirage0.00%60 months3/31/20
2019MitsubishiMirage G40.00%48 months3/31/20
2020MitsubishiMirage G40.00%60 months3/31/20
2020NissanAltima0.00%36 months$2,000 3/2/20
2019NissanArmada0.00%36 months$4,000 3/2/20
2019NissanLeaf0.00%60 months$1,000 3/2/20
2020NissanLeaf0.00%36 months$1,000 3/2/20
2020NissanMaxima0.00%36 months$2,750 3/2/20
2019NissanMurano0.00%36 months3/2/20
2020NissanMurano0.00%36 months$5,250 3/2/20
2019NissanPathfinder0.00%36 months$3,000 3/2/20
2020NissanPathfinder0.00%36 months$2,750 3/2/20
2020NissanRogue0.00%60 months$2,173 3/2/20
2019NissanRogue Sport0.00%60 months$1,000 3/2/20
2020NissanRogue Sport0.00%36 months$1,000 3/2/20
2019NissanSentra0.00%60 months$1,500 3/2/20
2020NissanSentra0.00%36 months$7503/2/20
2019NissanTitan0.00%72 months$2,250 3/2/20
2019NissanTitan XD0.00%72 months$2,250 3/2/20

updated: February 1st, 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.)