Cars sales are still recovering from pre-recession levels and car makers are offering some very attractive incentives, including 0% APR no interest loans, to help get things moving again.
Some manufacturers are also offering cash-back rebates but, as you may already know, you generally must choose between the rebates and the special low-interest (or zero interest) loans. You can’t take both.
Often, rebates are a better deal, especially if you need down payment money (rebates can be used as down payment cash). However, in many cases, you don’t have a choice when only a rebate, or only a low-interest loan is being offered. See our article, 0% APR Car Deals – Good Deal or Not? for more details.
Here are some of the current car makes and models with 0% APR loan deals. Note that the 0% APR rate usually (but not always) only applies for shorter-term loans — 24, 36, or 48 month loans — and may not apply to all styles within a model line. Terms and conditions can vary by car company.
Following are some of the current 0% ARP loan deals for 2015, 2016 and a few 2014 vehicles.
- Buick Enclave (2015)
- Buick Encore (2015)
- Buick LaCrosse (2015)
- Buick Regal (2015)
- Buick Verano (2015)
- Cadillac ATS (2015)
- Cadillac CTS (2015)
- Cadillac Escalade (2015)
- Cadillac SRX (2015)
- Cadillac XTS (2015)
- Chevy Camero (2015)
- Chevy City Express Cargo (2015)
- Chevy City Express Passenger (2015)
- Chevy Cruze (2015)
- Chevy Equinox (2015)
- Chevy Impala (2015)
- Chevy Malibu (2015)
- Chevy Silverado 1500 (2015)
- Chevy Silverado 2500 (2015)
- Chevy Sonic (2015)
- Chevy Spark (2015)
- Chevy SS (2015)
- Chevy Traverse (2015)
- Chevy Trax (2015)
- Chevy Volt (2015)
- Chrysler 200 (2015)
- Chrysler 300 (2015)
- Chrysler Town & Country (2015)
- Dodge Charger (2015)
- Dodge Dart (2015)
- Dodge Durango (2015)
- Dodge Grand Caravan (2015)
- Dodge Journey (2015)
- Fiat 500 (2015)
- Fiat 500c (2015)
- Fiat 500c Abarth (2015)
- Fiat 500L (2015)
- Fiat 500e (2015) California and Oregon only
- Ford C-MAX (2015)
- Ford Escape (2015 and 2016)
- Ford Expedition (2015)
- Ford Explorer (2015)
- Ford F-150 (2015)
- Ford Fiesta (2015)
- Ford Focus (2015)
- Ford Fusion (2015 and 2016)
- Ford Mustang (2015)
- Ford Taurus (2015)
- Ford Transit Connect (2014 and 2015)
- Ford Transit Connect Wagon (2014 and 2015)
- GMC Acadia (2015)
- GMC Sierra 1500 (2015)
- Hyundai Accent (2015)
- Hyundai Elantra (2015 and 2016)
- Hyundai Elantra GT (2015 and 2016)
- Hyundai Equus (2015)
- Hyundai Santa Fe (2015)
- Hyundai Santa Fe Sport (2015)
- Hyundai Sonata (2015)
- Hyundai Sonata Hybrid (2015)
- Hyundai Veloster (2015 and 2016)
- Infiniti Q70 (2015)
- Infiniti Q70 Hybrid (2015)
- Infiniti Q70L (2015)
- Jeep Cherokee (2015)
- Jeep Compass (2015)
- Jeep Grand Cherokee (2015)
- Jeep Patriot (2015)
- Kia Cadenza (2015)
- Kia Forte (2015 and 2016)
- Kia Forte 5 (2015 and 2016)
- Kia Forte Koup (2015)
- Kia K900 (2015)
- Kia Optima (2015)
- Kia Optima Hybrid (2015)
- Kia Rio (2015)
- Kia Rio 5 door (2015)
- Kia Sedona (2015)
- Kia Soul (2015)
- Kia Sorento (2016)
- Kia Sportage (2015)
- Lincoln MKC (2015 and 2016)
- Lincoln MKS (2015)
- Lincoln MKT (2015)
- Lincoln MKX (2015 and 2016)
- Lincoln MKZ ( 2015 and 2016)
- Lincoln Navigator (2015)
- Mazda CX-9 (2015)
- Mazda 3 4 door (2015)
- Mazda 3 5 door (2015)
- Mazda 6 (2016)
- Mitsubishi Lancer (2015)
- Mitsubishi Lancer Evolution (2014 and 2015)
- Mitsubishi Mirage (2015)
- Mitsubishi I-Miev (2014 and 2016)
- Mitsubishi Outlander (2015 and 2016)
- Mitsubishi Outlander Sport (2015)
- Nissan 370Z Coupe (2015)
- Nissan Altima (2015)
- Nissan Juke (2015)
- Nissan LEAF (2015)
- Nissan Murano (2015)
- Nissan Pathfinder (2015)
- Nissan Quest (2015)
- Nissan Rogue (2015)
- Nissan Rogue Select (2015)
- Nissan Sentra (2015)
- Nissan Titan (2015)
- Nissan Versa Note (2015)
- Nissan Versa Sedan (2015)
- RAM 1500 (2015 and 2016)
- RAM 2500 (2015)
- RAM 3500 (2015)
- RAM Promaster City Tradesman (2015)
- RAM Promaster City Wagon (2015)
- Subaru BRZ (2015)
- Subaru XV Crosstrek Hybrid (2015)
- Toyota Avalon (2015)
- Toyota Avalon Hybrid (2015)
- Toyota Camry (2015 and 2016)
- Toyota Camry Hybrid (2015 and 2016)
- Toyota Corolla (2015 and 2016)
- Toyota Prius (2015)
- Toyota Prius C (2015)
- Toyota Prius V (2015)
- Toyota RAV4 (2015)
- Toyota Sienna (2015)
- Toyota Tundra (2015)
- Toyota Venza (2015)
- Toyota 4Runner (2015)
- Volkswagen Beetle and Conv. (2015)
- Volkswagen CC (2015)
- Volkswagen Eos (2015)
- Volkswagen Jetta (2015)
- Volkswagen Passat (2015)
- Volkswagen Passat Ltd. Ed. (2015)
- Volkswagen Tiguan (2015)
- Volkswagen Touareg (2015)
- Volvo V60 (2016)
- Volvo V60 Cross Country (2016)
- Volvo XC60 (2016)
- Volvo XC70 (2016)
Of course, the best deals result from having both a 0% loan and a good price discount. Many car buyers are so happy to get a great loan rate that they overlook the fact that they should also be getting a price discount (not rebate) from their dealers. Shop for or negotiate your best price, even when you are getting a zero-percent loan. Don’t let dealers try to tell you that you can’t have both. To quickly find the best deals, get online price quotes before you go visit a dealer.
Always Get Price Quotes Before Shopping for a Car
You can get free price quotes on any of the above cars from TrueCar. They show you what other people are paying and give you a low price guarantee that will be honored at local dealers. Their quotes will automatically include any cash-back rebates or discounts that are currently available, in addition to the 0% APR loan rates.
Your Credit Score is Important
We also remind you that you need a good credit score to qualify for a 0% APR loan rate. If you don’t know your most recent FICO credit score, you should. What’s your FICO score? Find out now when you check your credit report for $1 at Experian.com! Don’t let dealers know more about your credit than you know yourself.
If your credit score is significantly below 700 you won’t be able to get a low-interest (or 0% interest) loan but you may be able to qualify for a “sub-prime” rate at a loan company, such as Auto Credit Express, that specializes in providing car loans to people with no credit, poor credit, bankruptcies, or even repossessions on their record.
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