Top 0% Financing Deals For November 2019

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Senior Pricing Analyst

As CarsDirect’s resident pricing analyst, Alex offers must-know analysis of pricing & incentives to those looking to buy or lease a car. His consumer-oriented coverage of the latest trends and breaking news has been featured in publications such as Car and Driver, Motor Trend, Automobile Magazine and Autoblog.

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, Senior Pricing Analyst - November 8, 2019

We analyzed hundreds of new car offers to find the best 0% financing deals in November. Sales ahead of Black Friday present a great opportunity to take advantage of special offers like 0% APR for up to 72 months plus over $3,000 in bonuses.

That said, interest-free loans often require you to give up rebates and can actually cost you more money in the long run. That's why we're showcasing instances in which 0% APR can result in a lower overall cost compared to traditional cash incentives.

Offers listed here are available nationally unless noted otherwise.

Updated November 8

Best 0% APR Deals on Cars

        The Elantra SE offers a choice between $1,750 cash or 0% financing for 72 months plus a $500 bonus. On a $20,000 car, taking the rebate would cost $21,777 based on a 6-year loan at 6%. With the 0% offer, the same car would cost $19,500. Here, 0% APR would result in a savings of $2,277.

        Having said all that, rebates vary depending on trim with SEL, Sport, and Limited versions eligible for up to $2,000 off. Be sure to compare offers carefully in order to make an informed decision. It could result in both a better monthly payment and a lower total cost.

          All versions of the Altima are eligible for a $1,500 rebate here in Los Angeles. However, financing through Nissan can get you access to a larger discount worth $2,000 that can be combined with 0% APR. If your priority is saving money, you may find taking the financing to be the best choice.

            Here in California, most Mustangs are eligible for 0% financing for 72 months. Rebates range from $2,500 to $3,500 depending on trim.

            With a $30,000 car, the cost with 0% financing would be $30,000. Even with a $3,500 rebate, the cost would come out to $31,621 assuming 6 years at 6%. As a bonus, your monthly payment would fall from $439/month to $417.

            It doesn't get much better than this. That said, Black Friday could yield some surprises, so stay tuned for our special coverage.

            Browse all cars by price »

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            Best 0% APR Deals on SUVs

            Kia Soul

            All versions of the Soul feature a $1,000 cash incentive that can increase to as much as $2,000 on select inventory. However, our analysis finds you can save a heap of money when financing.

            On a $20,000 vehicle, taking the rebate would cost $20,879 with a payment of $348/month based on 5 years at 6%. In contrast, taking 0% APR would come out to $19,000 at $317/month.

            That's an advantage of nearly $1,900 in favor of 0% financing.

            Hyundai Santa Fe

            The Santa Fe SE offers a choice between $1,000 cash or 0% APR for 72 months.

            On a $30,000 vehicle, taking the 0% option would cost $30,000 and equate to a payment of $417/month before taxes and fees. With the rebate, the same vehicle would cost $34,604 and have a payment of $481/month assuming 6 years at 6% APR.

            That's an advantage of $4,604 in favor of 0% APR.

            Having said all that, rebates vary by trim, with as much as $1,750 off the Santa Fe Limited. You can also find 2019 Santa Fes with anywhere between $2,000 and $3,250 in savings as part of a year-end sale event.

            The full-size Expedition features $6,000 in potential savings when trading-in a vehicle here in California. Sounds impressive, right? Not so fast.

            With a $55,000 vehicle, choosing the rebate would cost $58,469 with a payment of $812/month assuming 6 years at 6% APR. With the 0% offer, your cost would come out to $51,750 with a payment of $719/month.

            Although the $6,000 discount sounds appealing, opting for 0% APR would save you over $6,700, and result in a $93/month difference in payment.

            Browse all SUVs by price »

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            Best 0% APR Deals on Trucks

            Unfortunately, we can't recommend a 0% deal on a truck at the moment. Most shoppers may not know that taking 0% APR on a truck will disqualify them from enjoying big discounts.

            For example, the Nissan Titan features 0% financing but requires giving up at least $4,000 in rebates in order to get it.

            Browse all trucks by price »

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            , Senior Pricing Analyst

            As CarsDirect’s resident pricing analyst, Alex offers must-know analysis of pricing & incentives to those looking to buy or lease a car. His consumer-oriented coverage of the latest trends and breaking news has been featured in publications such as Car and Driver, Motor Trend, Automobile Magazine and Autoblog.

            Follow On: Twitter

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