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Best 0% APR Financing Deals For April 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 Tucson, and 2020 Nissan Murano.

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 4/5/20
2020BuickEnclave0.00%72 months$1,600 4/7/20
2020BuickEncore0.00%84 months$1,600 4/7/20
2020BuickEncore GX0.00%36 months$1,600 4/7/20
2020BuickEnvision0.00%84 months$1,600 4/7/20
2020BuickRegal0.00%72 months4/7/20
2020BuickRegal TourX0.00%72 months4/7/20
2020GMCAcadia0.00%84 months$1,600 4/7/20
2019GMCSierra 1500 Limited0.00%72 months$3,000 4/7/20
2020GMCSierra 15000.00%84 months4/7/20
2020GMCTerrain0.00%84 months$1,600 4/7/20
2020GMCYukon0.00%60 months4/7/20
2020GMCYukon XL0.00%60 months4/7/20
2020CadillacCT60.00%60 months$1,500 4/7/20
2020CadillacXT40.00%60 months$2,000 4/7/20
2020CadillacXT50.00%60 months$2,000 4/7/20
2020CadillacXT60.00%60 months$2,000 4/7/20
2020ChevroletBolt0.00%72 months$4,750 4/7/20
2019ChevroletBlazer0.00%60 months4/7/20
2019ChevroletEquinox0.00%72 months$1,250 4/7/20
2020ChevroletEquinox0.00%72 months$1,000 4/7/20
2019ChevroletSilverado LD0.00%72 months$3,000 4/7/20
2019ChevroletSilverado 15000.00%72 months$5004/7/20
2020ChevroletSilverado 15000.00%72 months$5004/7/20
2019ChevroletSonic0.00%60 months4/7/20
2019ChevroletSpark0.00%60 months4/7/20
2019ChevroletTraverse0.00%72 months$1,000 4/7/20
2019ChevroletTrax0.00%72 months$1,250 4/7/20
2020ChevroletTrax0.00%72 months$2504/7/20
2020Chrysler3000.00%36 months4/30/20
2020ChryslerVoyager0.00%36 months4/30/20
2019DodgeGrand Caravan0.00%84 months4/30/20
2019DodgeJourney0.00%84 months4/30/20
2019FordEcoSport0.00%84 months4/30/20
2019FordEscape0.00%84 months4/30/20
2019FordEdge0.00%84 months4/30/20
2019FordExpedition0.00%84 months4/30/20
2019FordF-1500.00%84 months4/30/20
2019FordRanger0.00%84 months4/30/20
2019FordFiesta0.00%84 months4/30/20
2019FordFlex0.00%84 months4/30/20
2019FordFusion0.00%84 months4/30/20
2019FordMustang0.00%84 months4/30/20

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
2020HyundaiAccent0.00%48 months$5004/1/2020
2019HyundaiElantra0.00%48 months$5004/1/2020
2020HyundaiElantra0.00%72 months4/1/2020
2019HyundaiElantra GT0.00%84 months4/1/2020
2020HyundaiElantra GT0.00%60 months4/1/2020
2019HyundaiIoniq Electric0.00%84 months4/1/2020
2019HyundaiIoniq Hybrid0.00%84 months4/1/2020
2019HyundaiIoniq Plug-in Hybrid0.00%84 months4/1/2020
2020HyundaiKona0.00%60 months$5004/1/2020
2019HyundaiKona Electric0.00%84 months$5004/1/2020
2020HyundaiSanta Fe0.00%60 months$5004/1/2020
2019HyundaiSonata0.00%84 months$5004/1/2020
2020HyundaiSonata0.00%60 months4/1/2020
2019HyundaiSonata Hybrid0.00%84 months4/1/2020
2019HyundaiSonata Plug-in Hybrid0.00%84 months4/1/2020
2019HyundaiTucson0.00%84 months$5004/1/2020
2020HyundaiTucson0.00%60 months$5004/1/2020
2020HyundaiVenue0.00%36 months$5004/1/2020
2020JaguarXE0.00%24-72 months6/30/2020
2020JaguarXF0.00%24-72 months6/30/2020
2020JaguarE-Pace0.00%24-72 months6/30/2020
2020JaguarF-Pace0.00%24-72 months6/30/2020
2020JaguarF-Type0.00%24-72 months6/30/2020
2020JaguarI-Pace0.00%24-72 months6/30/2020
2020JeepCherokee0.00%36 months$7504/14/2020
2019JeepRenegade0.00%36 months$2,500 4/14/2020
2019KiaCadenza0.00%75 months4/30/2020
2020KiaForte0.00%66 months4/30/2020
2019KiaNiro0.00%75 months4/30/2020
2019KiaNiro Plug-In Hybrid0.00%75 months4/30/2020
2020KiaOptima0.00%75 months4/30/2020
2020KiaSedona0.00%66 months4/30/2020
2019KiaSorento0.00%72 months
2020KiaSorento0.00%75 months4/30/2020
2020KiaSoul0.00%66 months4/30/2020
2020KiaSportage0.00%66 months4/30/2020
2019KiaStinger0.00%75 months4/30/2020
2020KiaStinger0.00%66 months4/30/2020
2019KiaK9000.00%75 months4/30/2020
2020Land RoverVelar0.00%24-72 months6/30/2020
2020Land RoverEvoque0.00%24-72 months6/30/2020
2020Land RoverDiscovery0.00%24-72 months6/30/2020
2020Land RoverDiscovery Sport0.00%24-72 months6/30/2020
2020Land RoverRange Rover Sport0.00%24-72 months6/30/2020
2020Land RoverRange Rover0.00%24-72 months6/30/2020
2019LexusES0.00%60 months4/30/2020
2019LexusES Hybrid0.00%60 months4/30/2020
2019LexusIS0.00%60 months4/30/2020
2019LexusLC0.00%60 months4/30/2020
2019LexusLC Hybrid0.00%60 months4/30/2020
2019LexusLS0.00%60 months4/30/2020
2019LexusLS Hybrid0.00%60 months4/30/2020
2019LexusRC0.00%60 months4/30/2020
2019LexusRX0.00%60 months4/30/2020
2019LexusRX Hybrid0.00%60 months4/30/2020
2020LincolnMKZ0.00%72 months4/30/2020
2020LincolnMKZ Hybrid Reserve0.00%72 months4/30/2020
2019LincolnMKC0.00%72 months4/30/2020
2019LincolnNautilus0.00%72 months4/30/2020
2019MitsubishiEclipse Cross0.00%60 months$5004/30/2020
2020MitsubishiEclipse Cross0.00%60 months$5004/30/2020
2019MitsubishiOutlander Phev0.00%60 months4/30/2020
2019MitsubishiOutlander0.00%60 months$2504/30/2020
2020MitsubishiOutlander0.00%60 months$5004/30/2020
2019MitsubishiOutlander Sport0.00%60 months$1,250 4/30/2020
2020MitsubishiOutlander Sport0.00%60 months$5004/30/2020
2019MitsubishiMirage0.00%60 months$1,000 4/30/2020
2020MitsubishiMirage0.00%60 months$7504/30/2020
2019MitsubishiMirage G40.00%60 months$1,000 4/30/2020
2020MitsubishiMirage G40.00%60 months$7504/30/2020
2020NissanAltima0.00%60 months$1,250 5/4/2020
2019NissanArmada0.00%36 months$5,000 5/4/2020
2019NissanFrontier0.00%84 months$1,495 5/4/2020
2019NissanLeaf0.00%60 months$10,000 5/4/2020
2020NissanLeaf0.00%60 months$10,500 5/4/2020
2020NissanMaxima0.00%60 months$2,000 5/4/2020
2020NissanMurano0.00%60 months$4,500 5/4/2020
2019NissanPathfinder0.00%36 months$5005/4/2020
2020NissanPathfinder0.00%60 months$2,500 5/4/2020
2020NissanRogue0.00%60 months$1,000 5/4/2020
2020NissanRogue Sport0.00%36 months$1,000 5/4/2020
2019NissanSentra0.00%60 months$2,000 5/4/2020
2020NissanSentra0.00%60 months$5005/4/2020
2019NissanTitan0.00%84 months$4,750 5/4/2020
2020NissanTitan0.00%60 months5/4/2020
2019NissanTitan XD0.00%84 months$4,750 5/4/2020
2020NissanTitan XD0.00%60 months5/4/2020
2019SubaruAscent0.00%63 months4/30/2020
2020SubaruAscent0.00%63 months4/30/2020
2019SubaruForester0.00%63 months4/30/2020
2020SubaruForester0.00%63 months4/30/2020
2019SubaruImpreza0.00%63 months4/30/2020
2020SubaruImpreza0.00%63 months4/30/2020
2019SubaruLegacy0.00%63 months4/30/2020
2020SubaruLegacy0.00%63 months4/30/2020
2019SubaruOutback0.00%63 months4/30/2020
2020SubaruOutback0.00%63 months4/30/2020

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

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.