Best 0% APR Car Deals: November 2024
The best 0% financing deals on new cars, SUVs, and trucks in November 2024 feature no-interest auto loans for 72 months plus as much as $33,000 in financing incentives that can save you money. In many cases, 0% APR deals on cars can easily beat the best interest rates from banks and credit unions.
Despite years of interest rate hikes, some car brands are still offering zero-interest loans on cars. Most of these incentives may require top-tier credit to qualify and can sometimes vary by region. Be sure to check with your local car dealership for customized financing based on your unique credit background.
Stay tuned for our special Black Friday deal coverage.
Updated at 2:48 pm on November 6th
Best 0% APR SUV Deals
GMC HUMMER EV Financing Deal
On November 1st, 2025 HUMMER EVs became eligible for their first financing deals. The sweet spot is 0% financing for 60 months. What's truly interesting about this HUMMER financing incentive is that both 2024 and 2025-model-year versions of the all-electric SUV and truck have the same great APR offers.
Though GM is offering 72-month financing too, the rate is considerably higher at 5.9%. Shoppers should be aware that HUMMER lease prices are up in November, possibly as a consequence of having better interest rates for purchases. Due to its high price, the HUMMER is excluded from a federal tax credit.
Tesla Model Y Financing Deal
Late last month, Tesla began advertising 0% financing for 60 months on the Model Y. Unlike a previous 0% APR deal for 72 months, the incentive doesn't require you to opt-in for the $8,000 "Full Self Driving (Supervised)" upgrade.
The biggest catch with the Model Y deal is that you'll need at least a 20% down payment to get the rock-bottom rate. If you don't, the rate increases to 0.99%. Similarly, the 72-month rate is 0.99% APR with 20% down or 1.99% without it.
Ford Mustang Mach-E Financing Deal
Last month, 2024 Mustang Mach-Es became eligible for 0% APR financing for 72 months. However, unlike a previous deal, you can stack the offer with $500 in bonus cash. Additionally, Tesla owners can score $1,500 in conquest cash for switching brands. That's $2,000 plus no interest for 6 years.
In some cases, you may be able to do even better. The Ford Power Promise enables you to have a home charging station installed at no charge. However, you can give that up and get $2,000 in Power Promise Alternative Bonus Cash. That could mean $4,000 plus 0% financing for up to 72 months.
Hyundai IONIQ 5 Financing Deal
Hyundai is offering 0% financing for 60 months on all versions of the 2024 IONIQ 5. While we certainly like the option of having 0% APR, Hyundai is also offering $7,500 in Retail Bonus Cash. The offers can't be combined, so be sure to consider which deal makes sense for you.
Last month, Hyundai introduced a Competitive Owner Coupon worth $1,000 on all 2024 IONIQ 5 trims. A slew of mainstream brands are eligible for the discount such as Toyota, Honda, Chevy, Ford, Nissan, and Subaru. Hyundai is also targeting customers from Tesla, Polestar, and Fisker.
Lincoln Aviator Financing Deal
The 2024 Lincoln Aviator has one of the best deals on a luxury SUV. Through December 2nd, most styles offer 0% financing for 60 months. Additionally, if you have a vehicle to trade, Lincoln is offering $2,000 in Trade-In Assistance Bonus Cash. Note that plug-in hybrid Aviators are excluded from both promotions.
Volkswagen Tiguan Financing Deal
Through January 2nd, 2024 Volkswagen Tiguans offer 0% financing for 60 months. That's a price cut from the old rate of 1.9% APR. On a $35,000 vehicle, we estimate that the change could save buyers over $1,700 in interest. Practically no small SUVs have 0% APR financing incentives this good right now.
Kia EV6 Financing Deal
Once again, Kia is offering 0% financing for 72 months on all EV6s. Even the high-performance GT model is eligible for the deal. Previously, 0% financing was limited to 60 months. At this price, the EV6 is cheaper to finance than a Hyundai IONIQ 5 which has 0% APR but only for up to 60 months. Coming from a Tesla? You may qualify for an additional $1,000 in conquest bonus cash.
Jeep Grand Cherokee Financing Deal
The 2024 Jeep Grand Cherokee 4xe continues to be eligible for 0% APR for 72 months. That's the lowest rate to date, making the Grand Cherokee plug-in hybrid a much better deal than before if you were planning to buy rather than lease. Before the rate cut, the Grand Cherokee 4xe only offered standard rates.
Looking to buy a non-plug-in Grand Cherokee? In California, the 3-row Limited and Overland trims offer up to $7,000 in rebates off MSRP. That's the deepest discount to date and among the biggest rebates on an SUV. Current Jeep incentives are set to expire on November 12th and may change for Black Friday.
Jeep Wrangler Financing Deal
Last month, Jeep slashed interest rates on the 2024 Wrangler 4xe plug-in hybrid. You can now enjoy zero-percent financing for up to 6 years. Previously, the Wrangler plug-in was only eligible for standard rates. On a well-equipped configuration, we estimate that this could translate to a $12,000 price cut.
Shoppers should be aware that 2024 Wrangler plug-in hybrids are also eligible for a $3,750 federal tax credit. Wrangler 4xe models were recently recalled due to the risk of battery fire. Be sure to check with your dealer about the status of a particular unit to find out if any recall-related work is required.
Considering a gas Wrangler? Jeep does have 0% financing but it's limited to just 36 months.
Kia EV9 Financing Deal
2024 Kia EV9s remain eligible for 0% APR for 72 months. Kia recently extended the deal through January 2nd. Previously, zero-percent financing was limited to just 48 months. This remains the best APR deal to date on the EV9.
Tesla owners may also qualify for a $1,500 conquest incentive. Additionally, the EV9 Land trim now has $750 in Bonus Cash. That's $2,250 plus no interest for up to 6 years. Note that EV9s aren't eligible for a tax credit on purchases.
Mitsubishi Outlander Financing Deal
The 2024 Mitsubishi Outlander is one of the few vehicles in its class with 0% financing. Both gas and PHEV versions of the SUV offer zero interest for 4 years. However, we think a 5-year loan at the slightly higher rate of 0.99% APR may be a better deal if you're looking to score a lower monthly payment.
Mazda CX-50 Financing Deal
The 2024 Mazda CX-50 has pretty good deals in some parts of the country. In Southern California, all versions are eligible for 0% APR financing for 36 months. However, we think shoppers may find the brand's 5-year rate of 0.9% to be more appealing for lowering the SUV's monthly payment.
The biggest tradeoff in our view is that Select and Preferred trims are eligible for $2,500 in Customer Bonus Cash. As far as we can tell, the rebate can't be combined with low-interest financing. Interestingly, Mazda's 60-month CX-50 financing rate is lower than the 2.9% deal you'll see on the CX-5.
Volkswagen ID.4 Financing Deal
Through January 2nd, 2024 Volkswagen ID.4 EVs offer 0% financing for 72 months. The catch is that only the entry-level ID.4 Standard and S trims are eligible for the incentive. If you're looking to buy any other version of the ID.4, expect to pay a much higher interest rate.
Toyota bZ4X Financing Deal
Through November 4th, all versions of the 2024 Toyota bZ4X feature 0% financing for 72 months. Toyota is also offering $2,500 in TFS Bonus Cash. This is essentially a rebate that you can only get when financing at promotional rates.
For an even better deal, consider a lease. In some regions, the bZ4X offers over $16,000 in lease cash with offers starting at just $219 a month. That could make the bZ4X surprisingly affordable for an SUV with an MSRP over $40,000.
For reference, the Subaru Solterra is built on the same platform as the bZ4X and has zero-percent financing for 6 years but no bonus cash.
Best 0% APR Car Deals
Toyota Mirai Financing Deal
The 2024 Toyota Mirai still has the best financing deal on any car. Although the hydrogen-fuel-cell-electric car is only sold in California, buyers can get no interest for 6 years and as much as a $33,000 discount that you can only get when financing.
The Limited trim has the best deal, while the entry-level Mirai XLE offers a $25,000 discount. The catch is that these discounts are only available when buying and not when leasing. This remains one of the best deals on an electrified vehicle.
Best 0% APR Truck Deals
GMC Sierra EV Financing Deal
On November 1st, 2024 GMC Sierra EV interest rates plummeted to 0%. You can now score no interest for 5 years, whereas the previous rate was over 6%. On a $100,000 truck, that could translate to a price cut of over $15,000.
Just be aware that only the Denali Edition 1 trim is available for the truck's inaugural year. If you prefer something more extreme, GMC HUMMER EVs have the same deal, even on 2025 models (with the Sierra, it's only the 2024 model).
Nissan Titan Financing Deal
Nissan is continuing to offer 0% financing on 2024 Titan pickups. Through December 2nd, all trims can be purchased interest-free for up to 5 years. Previously, the rate was 3.9%. Alternatively, Nissan is offering a $3,000 Customer Cash incentive that can't be combined with the 0% financing.
RAM 1500 Classic Financing Deal
Most versions of the 2024 RAM 1500 Classic offer 0.9% financing for up to 72 months. While it isn't zero-percent financing, the latest deal from Stellantis gets awfully close. On a $50,000 truck, we estimate this could save buyers roughly $10,000 when compared to a traditional loan at 7%.
The downside is that this is a standalone deal that can't be combined with other incentives. On select RAM 1500 Classic trims, that means giving up a 15% discount off MSRP this month. Another drawback is that this ultra-low rate remains unavailable on the 2025 RAM 1500 pickup.
Are 0% APR Car Loans Worth It?
If you're tempted by 0% APR, it's important to keep in mind that there may be factors that determine whether or not 0% APR is worth it. At one point, RAM offered a choice between 0% APR for 72 months and $10,000 in savings. To find the best deal, you may need to weigh the total cost versus the monthly payment.
On a $50,000 truck, taking the financing would cost $50,000 at $694/month before taxes & fees. With a $10,000 discount, the same truck would cost $46,382 at $644/month assuming a rate of 5%. Here, taking the rebate would cost $50 less per month and be over $3,600 more affordable over the course of the loan.
So should you choose rebates or 0% APR? That depends. You may find that a lower payment trumps all for the sake of affordability. However, it's also important to look at the total cost and weigh the risks of negative equity. After all, lower payments can make it very easy to buy more car than you may be able to afford.
Sadly, inflation resulted in multiple Fed rate hikes. Things are improving but 0% APR car loans are a lot harder to find than in the past. Even if you can manage to score a zero-interest loan, the odds are that the term will be a lot shorter than you'd like. Consider timing your purchase to find the best times to buy a car.
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