Best 0% Finance Car Deals August 2026
Part of our monthly best car deals coverage. See lease and finance offers ranked.
August 2026 brings Kia back into the finance rankings, and the EV9 immediately takes the top spot at 27.91% Finance Score, edging out July’s leader, the Hyundai IONIQ 9, now at #2 with 27.84%. Both offer 0% APR: the EV9 pairs it with $5,000 cash over 60 months, the IONIQ 9 with $3,000 over 72 months.
We tracked 208 manufacturer finance offers this month. The Finance Score measures total savings versus a 7% baseline loan, divided by MSRP, so it captures both the APR discount and any cash bonus in one number. The median score is 10.29%, and 49 deals offer 0% APR, which manufacturers also advertise as zero percent financing or interest-free financing.
- Kia returns to the finance rankings and the EV9 immediately takes #1 at 27.91% Finance Score, 0% APR plus $5,000 cash over 60 months
- The Hyundai IONIQ 9 drops to #2 at 27.84%, though it still has the highest dollar savings on the page at $16,414
- 49 of 208 tracked deals offer 0% APR this month, and 21 of those also include a cash bonus on top
- The 2027 Lincoln Navigator posts a negative Finance Score of -2.06%, the worst deal we tracked this month
Best finance deals right now
Top 10 picks for August 2026, ranked by Finance Score.
Kia returns to the finance rankings and the EV9 takes #1 immediately at 27.91% Finance Score. 0% APR paired with $5,000 cash on a 60-month term produces $15,325 in total savings versus a 7% baseline loan.
A three-row electric SUV with this level of manufacturer support is rare. If you were waiting for Kia to come back, this is worth acting on.
Last month’s #1 pick, unchanged terms, edged out by the narrowest of margins. The IONIQ 9 still delivers the highest dollar savings on this page at $16,414, even though its score sits just behind the EV9’s.
0% APR over 72 months is an unusually long 0% term, worth locking in if you want the lowest possible payment.
The best luxury EV finance deal on the page, unchanged from July. Just under 1% APR paired with $4,500 cash keeps the Lexus in Elite territory.
A modest $500 cash bonus, but a full 72 months at 0% APR makes the Ioniq 5 one of the strongest scores on this page relative to its $35,000 sticker.
The only non-EV, non-hybrid vehicle in the top five. Chrysler‘s minivan combines a low APR with the largest cash bonus of any top-10 deal at $5,500.
Five vehicles tie at 22.75% this month, all on pure 0% APR with no cash bonus, over a full 72 months. The Wagoneer S leads this tied group on dollar savings at $14,835 given its $65,200 sticker.
A second Kia in the top 10. Straightforward 0% APR over 72 months on a $39,700 electric wagon, no cash bonus needed to make the math work.
Mazda’s larger three-row PHEV ties for #8 on pure 0% APR financing, no cash required.
Mazda’s smaller PHEV crossover ties right behind its CX-90 sibling, same 0% APR and 72-month structure.
The 2025 Outlander PHEV rounds out the tied group at 22.75%. Note this is the 2025 model year specifically, the 2026 version scores considerably lower at 10.14%.
Best finance deal by category
One top pick per category. Click through for the full ranked list in each segment.
0% APR (and low APR) deals with a cash bonus
21 deals this month combine a low or zero APR with cash at signing, the most favorable financing structure a manufacturer can offer. Ranked by Finance Score.
- 2026 Kia EV9 0% APR + $5,000, 60mo, score 27.91%
- 2026 Hyundai IONIQ 9 0% APR + $3,000, 72mo, score 27.84%
- 2026 Lexus RZ 450e 0.99% APR + $4,500, 60mo, score 25.13%
- 2026 Hyundai Ioniq 5 0% APR + $500, 72mo, score 24.18%
- 2026 Chrysler Pacifica 1.9% APR + $5,500, 48mo, score 23.76%
- 2026 Infiniti QX80 0% APR + $3,000, 60mo, score 22.39%
- 2026 GMC Sierra 1500 2.9% APR + $1,500, 72mo, score 17.6%
- 2026 Buick Encore GX 1.9% APR + $2,250, 36mo, score 16.69%
- 2026 Ford F-150 2.9% APR + $1,000, 72mo, score 16.22%
- 2025 Ford Bronco Sport 0% APR + $1,000, 36mo, score 14.49%
- 2026 Ford Escape 0% APR + $1,000, 36mo, score 14.45%
- 2026 Ford Mustang 0% APR + $1,000, 36mo, score 14.22%
- 2026 Ford Ranger 0% APR + $1,000, 36mo, score 14.16%
- 2026 Ford Mustang Mach-E 0% APR + $1,000, 36mo, score 13.8%
- 2026 Ford Explorer 0% APR + $1,000, 36mo, score 13.76%
- 2026 Ford Bronco 0% APR + $1,000, 36mo, score 13.66%
- 2026 Lincoln Nautilus 0% APR + $1,000, 36mo, score 12.96%
- 2026 Lincoln Aviator 0% APR + $1,000, 36mo, score 12.91%
- 2026 Lincoln Navigator 0% APR + $1,000, 36mo, score 12.16%
- 2026 Buick Enclave 1.9% APR + $750, 36mo, score 9.82%
- 2026 GMC Acadia 2.9% APR + $750, 36mo, score 8.34%
0% APR for 72 months
Eight vehicles carry zero percent financing for a full 72 months this month, the longest 0% term any manufacturer is advertising. Spreading an interest-free balance over six years gives the lowest monthly payment available on this page.
- 2026 Hyundai IONIQ 9 0% APR for 72 months + $3,000 cash, $58,955 sticker, saves $16,414
- 2026 Hyundai Ioniq 5 0% APR for 72 months + $500 cash, $35,000 sticker, saves $8,464
- 2025 Jeep Wagoneer S 0% APR for 72 months, $65,200 sticker, saves $14,835
- 2026 Mazda CX-90 PHEV 0% APR for 72 months, $50,495 sticker, saves $11,489
- 2026 Mazda CX-70 PHEV 0% APR for 72 months, $44,250 sticker, saves $10,068
- 2026 Kia Niro EV 0% APR for 72 months, $39,700 sticker, saves $9,033
- 2025 Mitsubishi Outlander PHEV 0% APR for 72 months, $39,845 sticker, saves $9,066
- 2026 Mitsubishi Outlander 0% APR for 72 months, $30,460 sticker, saves $6,931
Seven of the eight are SUVs and the eighth, the Kia Niro EV, is a compact electric wagon. If you are shopping a 72-month 0% deal, you are shopping an SUV this month.
No pickup truck offers 0% APR over 72 months right now. The longest zero percent truck terms run 60 months, on the 2026 Chevrolet Silverado 1500, the 2026 Nissan Frontier and the 2026 RAM 1500. For a genuine 72-month truck loan, the 2025 Toyota Tundra i-Force Max at 0.99% APR is the closest thing to interest-free financing in the segment.
Across all 49 zero percent offers we tracked, 21 run 36 months, 13 run 60 months, 8 run 72 months and 7 run 48 months. A longer term cuts the payment but keeps you in negative equity longer, so weigh both before signing.
All finance deals ranked
Every advertised finance offer reviewed this August, sorted by Finance Score. Click any column header to sort.
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Sourced from manufacturer websites August 6, 2026. Offers vary by region and credit score. Finance Score = total savings versus a 7% baseline loan (interest saved plus cash bonus), divided by MSRP, times 100.
Finance deals to avoid this month
The worst manufacturer finance offers we tracked
- 2027 Lincoln Navigator (score: -2.06%) A negative Finance Score, meaning this loan costs more than a standard 7% baseline over its term. At 7.5% APR over 84 months on a $91,995 SUV, negotiate a private bank loan instead.
- 2026 Lincoln Corsair (score: -1.36%) Also negative, another Lincoln with an 84-month term working against you. The extended term at a high rate erases any theoretical benefit.
- 2026 Mercedes-Benz EQE SUV (score: 3.25%) Not negative, but weak. A 24-month term limits total interest accrual, which is the only thing keeping this out of negative territory. Shop a shorter-term loan elsewhere.
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.
Run the Numbers Before You Choose
A 0% offer is not automatically the better deal. If the same vehicle carries a cash rebate instead, the rebate can win on a smaller loan. Work out which one costs less over the full term before you sign.
