0% APR deals on new cars are something that manufacturers offer on their new vehicles. Sometimes, the deals are on new models the factory wants to highlight, and sometimes, the deals are on cars that are a little slower moving. 

By the end of the first quarter of 2023, automotive sales have risen by 6%, according to Cars.com, which is good news. However, some manufacturers still have a few slow sellers to move off the lot. Some of the zero percent loans are for last year's leftover models. No matter the reason for the incentive, you can find these zero percent deals on local dealership websites, manufacturer's websites, and other car-centric websites like Kelley Blue Book. 

And if you're looking for a car deal without needing to take out a loan, consider a FINN car subscription. You can drive the latest models available on six to 12 month terms — no down payment required.

2022 Ford F-150 Truck

• 0% financing for 36 months
• $1,000 bonus cash
• MSRP $39,165
• XLT 60 months 0% financing plus $2,000 cash back
• Offers expire 7/5/2023 

Ford's F-150 has been the best-selling vehicle in the United States since 1977, and it is available in many trim levels. From towing to hauling for fun or work, the F-150 is the truck America counts on. The second best-selling truck is the Chevrolet Silverado, and you can subscribe to a Chevrolet Silverado with FINN.

2023 Ford Escape SUV

• 0% financing for 36 months
• $1,000 cash back
• MSRP $28,000
• Gas or plug-in hybrid
• Offer expires 7/5/2023

This compact SUV is a family- and budget-friendly crossover with plenty of room for kids, dogs, and cargo for even the longest vacation.2023 sees a refreshed face and brand new trim lineup: Base, Active, and Platinum trim packages. All for the family on the go.

2023 Ford Mustang Passenger Car

• 0% financing for 36 months
• Offer on the SV, Pro-4X, and Platinum trim levels
• MSRP $27,770
• Offer expires 7/5/2023
• 2022 models offered at 0% APR for 60 months

Ford's Mustang has a long history in America's culture, and the 2023 Ford Mustang is adding another year to its legacy. Today’s Mustang may not be as novel as the first pony car, but Ford brought back the Mach 1 in 2021 with a Coyote 5.0 under the hood. The Mustang is still a force to be reckoned with. 

2022 Ford Edge SUV

• 0% financing for 36 months/48 months/60 months/72 months
• SE, ST, SEL, and Titanium models
• MSRP $37,945
• Offer expires 7/6/2023

The Ford Edge is larger than the Escape, so big families with more kids and dogs will find plenty of room inside the cabin. It has been equipped with the latest high-tech infotainment and safety features. Pack the car with everything and head out on the road.

2023 Ford Explorer SUV

• 0% financing for 36 months
• Up to $3,000 cash back
• XLT model
• MSRP $35,510
• 2022 Explorer 0% financing for 48 months
• $1,000 cash back

The Ford Explorer is a compact SUV that is the perfect around-town vehicle for families. Now in its sixth generation, this vehicle has proven its appeal to the public. Available in a turbo and 300HP, it's powerful enough to tow up to 5,300 pounds, so boating and camping trips are on the agenda. 

2023 Nissan Titan XD Truck

• 0% financing for 60 months
• Offer on the SV, Pro-4X, and Platinum trim levels
• MSRP $51,410
• Offer expires 7/5/2023

Nissan's Titan XD is a full-sized truck capable of handling all your towing and hauling needs for both home and work. It has a low gear ratio, which gives it a higher top-end speed and makes it more fuel efficient. Efficiency and power are what you want in a truck.

2023 Nissan Titan Truck

• 0% financing for 60 months
• Offer on the SV, Pro-4X, and Platinum Crew Cab trim levels
• MSRP $45,250
• Offer expires 7/5/2023
• Current Nissan and Infiniti lessees/owners get $1,500 cash back

The Nissan Titan was refreshed in 2020 and is powered by a 400 HP 9-speed Jatco automatic transmission 5.6L V8 engine. The Titan is offered in many trim levels, so you get the interior comforts you want in a truck you‘ll love. 

2023 Nissan Murano SUV

• 0% financing for 36 months
• $1,000 bonus cash
• SL or Platinum trim levels
• MSRP $41.360
• Offer expires 7/5/2023

The Nissan Murano is both economical and roomy for the family on the go. With lots of cargo room, you can grab the groceries and the kids from school while still having room legs and book bags. It comes in your choice of engine, including a hybrid. The Nissan Pathfinder is a larger SVU; you can subscribe to one with FINN. 

2023 Nissan Rogue SUV

• 0% financing for 36 months
• SV, PL, or Platinum trim package
• MSRP $29,450
• Current Nissan and Infiniti lessees/owners get $500 cash back

When it comes to driver and passenger comfort, the Nissan Rogue offers both while giving everyone legroom and hidey-holes to store small items. The 1.5L gas-powered engine makes driving economical, so taking long trips in the Rogue keeps you within budget.

If you would rather have a passenger car from Nissan, you can save money when you subscribe to a Nissan with FINN.

2023 Mazda CR-X SUV

• 0% financing for 36 months
• MSRP $38,750
• Offer expires 6/30/2023

The 2.5L Skyactiv-G turbo inline-4 powers this midsize crossover SUV from Mazda and is capable of 227HP. It has a towing capacity of 3,500 pounds, which is enough to tow your boat to the lake.

0% APR car deals FAQs

What is 0% APR? 

A zero percent annual percentage rate (APR) loan means you pay no financing charges.

Who offers 0% APR loans?

A no-interest loan is written by the manufacturers of the make and model vehicle you are purchasing.

Who qualifies for a 0% APR loan? 

Anyone can qualify if they meet the criteria. The criteria can include a low debt-to-income ratio, a high credit score, and long-term employment, among other things.

How long are 0% APR loans? 

They can be for any length, but the typical term is 36 months.

Are there any downsides to a 0% APR loan? 

The downside is that these loans are usually on specific vehicles. Loans like these are scarce, and you may not qualify for other incentives like cash back.

Do 0% APR loans have any extra fees attached to them? 

You may have to pay other expenses that include dealership costs, like administration fees or doc fees.

Can I still negotiate the price of the car even though I am getting 0% APR? 

Yes. In most cases, you can negotiate with the dealership.

Is it possible to get 0 APR on a car?

It is possible to get a 0% APR loan on a car or truck if you meet the credit criteria and select the incentivized vehicle to purchase. These programs usually have a deadline, so you must take delivery of the car before the cutoff date.

What credit is needed for 0 APR?

Credit qualifications might be tight for a 0% APR loan. The higher your credit score, previous payment history, length of employment, and low debt-to-income ratio, the better your chance of qualifying for the loan. You may wish to get loan preapproval before going to the dealership.

What car manufacturers are offering low-interest rates?

At the moment, the following are offering low-interest rate loans:

• Ford 0% APR
• Nissan 0% APR
• Mazda 0% APR

Other manufacturers, including the above, have low-interest rates for specific models like 2.9% APR, 0.99% APR, and 1.9% APR. If you want to know your approximate payment before shopping, you can calculate your APR beforehand.

How to get the lowest APR on a car loan?

Several ways to get the lowest APR on your car loan include checking the factory incentive deals on their websites, checking with your credit union or bank, or leasing a vehicle. A car subscription from FINN may have the lowest payment without a long-term contract.