What Cars Are Offering Zero Percent Financing in 2026?

Buying a new car has always been one of the biggest financial decisions for most people. In today’s high-interest-rate environment, one question dominates the minds of savvy buyers: What cars are offering zero percent financing? If you’re searching for the latest deals, whether nationwide or specifically “what cars are offering zero percent financing near me,” this guide will break down all the current offers, highlight rare 72-month promotions, and show you which models make the most sense in September 2025.

Why Zero Percent Financing Matters

Zero percent APR financing is essentially interest-free car financing. Instead of paying thousands of dollars in interest over the life of a loan, buyers get the chance to stretch payments over 36, 48, 60, or sometimes 72 months with 0% APR. This deal is especially appealing if you prefer lower monthly payments and don’t want to pay extra for borrowing money.

Manufacturers use these promotions strategically—to move inventory, promote new models, or incentivize eco-friendly vehicles like EVs and hybrids.

What Cars Are Offering Zero Percent Financing Right Now

Here’s a breakdown of what cars are offering zero percent financing in September 2025:

Toyota Mirai (2025) – Available with 0% APR financing for up to 72 months, primarily in California where hydrogen refueling stations exist. Toyota has been aggressive with Mirai offers, sometimes even adding extra dealer cash bonuses. This is one of the strongest 0 percent financing for 72 months Toyota deals in the market.
Chrysler Pacifica Plug-in Hybrid (2025) – Chrysler continues to offer 0% financing for 72 months on its family-friendly PHEV minivan. This deal is popular among families who want hybrid benefits without the high upfront cost.
Volkswagen ID.4 (2025) – VW’s all-electric SUV is often seen with 0% APR for 72 months. While availability depends on your region, it’s one of the top options if you’re searching for 0 percent financing for 72 months cars in the EV category.
Hyundai Palisade (2025) – Hyundai has a 0% APR financing offer for 60 months, making it one of the best large SUV deals in the zero-interest bracket.
Ford F-150 (2025) – America’s favorite pickup truck has deals like 0% APR for 48 months, often rotating around seasonal promotions.
Chevrolet Silverado 1500 (2025) – Chevy’s flagship truck is available at 0% APR for 36 months at many dealers, offering shorter-term buyers excellent value.
Kia Sportage (2025) – Kia dealers are promoting 0% APR financing for 48 months, giving compact SUV buyers an affordable option.
Kia Sorento (2025) – Similar to the Sportage, Sorento models are eligible for 0% APR for 48 months in many regions.
Nissan LEAF (2025) – While the 0% APR for 72 months deal ended in early August 2025, it’s worth watching. Nissan may bring this back as EV competition heats up.

What Cars Are Offering Zero Percent Financing Near Me

The phrase “what cars are offering zero percent financing near me” is crucial because not every deal is available everywhere. Automakers tailor incentives by region, ZIP code, and dealer inventory.

Here’s how to find local 0% deals:

Check OEM Websites – Toyota, Hyundai, Kia, Ford, Chevrolet, Chrysler, and Nissan all have “offers and incentives” pages where you can enter your ZIP code.
Dealer Websites – Many dealers highlight “0% APR for 36/48/60/72 months” on their specials page with expiration dates.
Car Deal Aggregators – Sites like Kelley Blue Book, CarsDirect, and CarEdge list the latest zero percent financing car deals updated monthly.

Spotlight: 0 Percent Financing for 72 Months Cars

Finding 0 percent financing for 72 months cars in 2025 is rare but not impossible. The main models offering this ultra-long-term promotion include:

Toyota Mirai (2025) – One of the best long-term interest-free offers.
Chrysler Pacifica Plug-in Hybrid (2025) – Great for families.
Volkswagen ID.4 (2025) – A competitive EV option when offered in your market.
Nissan LEAF (2025) – While recently ended, keep an eye out for re-launches.

These long-term zero-percent deals are typically tied to electric or hybrid vehicles, which automakers want to push aggressively to meet green sales targets.

Is 0% APR Always the Best Deal?

Before jumping in, consider:

Some 0% offers replace rebates or cash-back deals, so compare both scenarios.
A shorter 36- or 48-month 0% APR may save you less than a 72-month low-interest loan with rebates.
Always run the math: sometimes a big rebate + low APR beats a 0% APR deal.

Final Thoughts

If you’re asking “what cars are offering zero percent financing” right now, the answer is clear: options still exist, but they’re selective and time-sensitive. Rare 72-month zero-percent deals are alive on vehicles like the Toyota Mirai, Chrysler Pacifica Plug-in Hybrid, and Volkswagen ID.4, while mainstream models like the Ford F-150, Chevrolet Silverado, Hyundai Palisade, and Kia SUVs offer shorter 0% APR terms.

The best way to lock in these deals is to check your local dealer listings and act before the monthly expiration dates—especially around Labor Day and year-end promotions.

FAQs About What Cars Are Offering Zero Percent Financing

Q1. What cars are offering zero percent financing in September 2025?

Right now, models like the Toyota Mirai, Chrysler Pacifica Plug-in Hybrid, Volkswagen ID.4, Hyundai Palisade, Ford F-150, Chevrolet Silverado, Kia Sportage, and Kia Sorento are available with 0% APR financing for various terms.

Q2. Are there any cars with 0 percent financing for 72 months?

Yes. Select vehicles such as the Toyota Mirai, Chrysler Pacifica Plug-in Hybrid, and Volkswagen ID.4 offer 0 percent financing for 72 months. The Nissan LEAF also had this promotion earlier in 2025.

Q3. How can I find what cars are offering zero percent financing near me?

You can check your local dealer websites, enter your ZIP on manufacturer incentive pages, or use deal aggregator sites like Kelley Blue Book or CarsDirect to find current zero percent financing offers in your area.

Q4. Do Toyota models have 0 percent financing for 72 months?

Yes, the Toyota Mirai (2025) is one of the few Toyota models offering 0 percent financing for 72 months, primarily in California due to hydrogen fuel infrastructure.

Q5. Is 0 percent financing always the best option?

Not always. Sometimes taking a rebate or cashback combined with a low APR loan can save you more overall. It’s important to compare total costs before deciding.

For more in-depth guides on automotive financing, car technology, and the latest industry insights, visit my blog Technologies Era Finance Section.

What Cars Are Offering Zero Percent Financing in 2025 (Full Guide)