Best 0% Financing Deals: September 2017

By

Senior Pricing Analyst

Alex Bernstein is the Senior Pricing Analyst for CarsDirect.com. Each month he studies immense volumes of pricing and incentives data in search of trends that are useful to car shoppers. In the process, he often breaks industry news stories -- his analyses and insights have been featured on websites such as Automotive News, The Detroit News, Autoblog, The Truth About Cars and The Car Connection.

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, Senior Pricing Analyst - September 12, 2017

Zero interest loans have become incredibly common when shopping for a new car. However, not all deals are great deals, with some of the best featuring 0% APR plus up to $4,500 cash in September.

It's not always easy to spot deals like these, and you'll need excellent credit to qualify. But if you're looking to make better use of your cash over time, or simply be in a position to afford the monthly payments, there are some very attractive options.

We looked at hundreds of offers to find the best mix of interest-free financing offers and cash. Based on our analysis, we’ve listed the top 0% financing deals on cars, SUVS and trucks this month.

Offers can vary by region and assume a Southern California location unless noted otherwise.

Updated 3:30 pm Tuesday, September 12

Best Zero Interest Small Car Deals

Kia Forte

Once again, the Kia Forte ranks as a top deal with 0% APR for 66 months plus $1,000 bonus cash. Both the sedan and hatchback are eligible. However, it’s also a great time to buy a 2017 Mazda3, a vehicle renowned for its sporty character.

Looking to stretch your payments? The Sentra features 0% financing for 72 months plus a $500 bonus, a deal you’ll probably never see on a Honda Civic. That said, be aware that the 2018 Sentra will be getting forward emergency braking this fall and might be worth the wait if that’s a must-have feature.

Top Deals In This Segment

Year/Make/Model Featured Deal Starting MSRP Expiration
2017 Kia Forte 0% APR for 60 Months + $1,000 $18,495 10/31/17
2017 Mazda Mazda3 0% APR for 60 Months + $1,000 $19,770 10/2/17
2017 Nissan Sentra 0% APR for 72 Months + $500 $18,975 10/2/17

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Best Zero Interest Midsize Car Deals

Kia Optima

It’s tough to top the Kia Optima’s 0% APR for 66 months plus $1,000 cash. In addition to offering an impressive interior, the car comes with the peace of mind of a 10 year/100,000-mile powertrain warranty.

For a car with above average handling, the 2017 Mazda6 ranks extremely well with a very similar deal for 60 months. Unfortunately, last month’s 90-day payment deferral offer ended following Labor Day.

Finally, the 2017 Toyota Camry features 0% APR for 72 months plus $500. The redesigned 2018 Camry is arriving now, but features a much higher rate of 1.9% and doesn’t have a bonus. This could change in the months ahead, however.

Top Deals In This Segment

Year/Make/Model Featured Deal Starting MSRP Expiration
2017 Kia Optima 0% APR for 66 Months + $1,000 $22,095 10/31/17
2017 Mazda Mazda6 0% APR for 60 Months + $1,000 $23,870 10/2/17
2017 Toyota Camry 0% APR for 72 Months + $500 $23,955 10/2/17

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Best Zero Interest SUV Deals

Kia Soul

It’s the best time of year to buy a Kia Soul thanks to 0% APR for 60 months plus $1,000 cash. However, the Jeep Cherokee is arguably a more impressive value at 0% plus up to $2,500 cash when choosing a well-equipped Limited model.

Alternatively, the popular Nissan Rogue is eligible for 0% APR for 72 months plus $500 cash, making it a great option for shoppers looking for lower payments with a longer loan. Or, consider the family-friendly Subaru Outback with its 0% APR for 63 months, the best deal we’ve seen to date.

Need more space? The value-oriented Sorento is eligible for as much as $2,000 on top of 0% APR, but you’ll have to pick one with the 2.4-liter engine to get that amount. Finally, the Ford Expedition features serious discounts in the form of $4,500 on top of 0% APR ahead of a big redesign this fall.

Top Deals In This Segment

Year/Make/Model Featured Deal Starting MSRP Expiration
2017 Kia Soul 0% APR for 60 Months + $1,000 $18,595 10/31/17
2017 Jeep Cherokee 0% APR for 60 Months + Up to $2,500 $26,740 10/2/17
2017 Nissan Rogue 0% APR for 72 Months + $500 $24,780 10/2/17
2017 Subaru Outback 0% APR for 63 Months $26,520 10/2/17
2017 Kia Sorento 0% APR for 66 Months + Up to $2,000 $26,495 10/31/17
2017 Ford Expedition 0% APR for 60 Months + $4,500 $48,320 10/2/17

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Best Zero Interest Truck Deals

Chevy Colorado

The Chevy Colorado is now eligible for 0% APR for 72 months, a rare deal worth taking a look at. But there’s a catch. Only the LT Z71 is eligible for this particular deal. All other versions are stuck with a much higher rate of 3.9% for 60 months.

As before, the capable RAM 1500 offers a standalone deal of 0% APR for 72 months without a ton of strings attached like competitors. The Ford F-150 was previously a top contender, but special offers nosedived after Labor Day.

Finally, the Chevy Silverado 1500 ranks well with 0% APR for 72 months, but suffers from a catch much like the Colorado. Only LT Crew Cabs are eligible for this particular deal. Rates on other styles are as high as 3.9% for 60 months (or 6.9% for 72!), so weigh your choices carefully before you head to the dealer.

Top Deals In This Segment

Year/Make/Model Featured Deal Starting MSRP Expiration
2017 Chevrolet Colorado 0% APR for 72 Months $20,940 10/2/17
2017 RAM 1500 0% APR for 72 Months $27,890 10/2/17
2017 Chevrolet Silverado 1500 0% APR for 72 Months $29,080 10/2/17

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, Senior Pricing Analyst

Alex Bernstein is the Senior Pricing Analyst for CarsDirect.com. Each month he studies immense volumes of pricing and incentives data in search of trends that are useful to car shoppers. In the process, he often breaks industry news stories -- his analyses and insights have been featured on websites such as Automotive News, The Detroit News, Autoblog, The Truth About Cars and The Car Connection.

Follow On: Google+ | Website