Get ‘em while you can
With rising car prices and fluctuating interest rates, finding a 0% APR financing deal in 2025 might feel like striking gold. But, with a flood of new tariffs from the Trump administration set to send the price of cars higher, automakers are looking to capitalize on the buying frenzy with new deals.
Auto manufacturers are still rolling out interest-free loans on several models, particularly electric vehicles (EVs), offering consumers an opportunity to save thousands in financing costs. But are these deals as good as they sound? Let’s take a closer look at some of the best offers available this month and whether they’re truly worth it.
Volkswagen Tiguan: 0% APR for 60 months
Volkswagen
Volkswagen is offering a 0% financing deal on the 2024 Tiguan for up to 60 months, an improvement over its previous 1.9% rate. If you’re considering a $35,000 model, this could save you more than $1,700 in interest compared to standard financing options. Given that small SUVs with 0% financing are rare, this is a strong deal.
Ford Mustang Mach-E: 0% APR for 72 months
Ford’s all-electric Mustang Mach-E continues to be a standout with a 0% APR financing offer for 72 months, plus $2,500 in bonus cash. If you’re a Tesla owner or lessee, you can grab an additional $1,000 in conquest cash, bringing the total savings to $3,500. Ford is also sweetening the deal by offering free home charger installation, making this an attractive option for EV buyers.
Lincoln Navigator: 0% APR for 72 months
Luxury SUV buyers can take advantage of a 0% financing deal on the 2024 Lincoln Navigator. With a previous rate of 1.9% APR, this updated offer could translate to nearly $5,900 in savings on a $100,000 model. Unlike its competitors, Mercedes-Benz and BMW, which aren’t offering similar incentives, this deal makes the Navigator one of the best luxury SUV financing options right now.
Volkswagen ID.4: 0% APR for 72 months
Volkswagen
Another Volkswagen EV offering 0% financing is the ID.4, now available for 72 months across all trims. The addition of a $5,000 Customer Bonus makes this deal particularly compelling. If you’re looking for an electric SUV with a combination of incentives, the ID.4 is hard to beat.
GMC Hummer EV: 0% APR for 60 months
The 2025 GMC Hummer EV continues to qualify for promotional financing at 0% APR for 60 months. With competitors like Tesla’s Cybertruck carrying interest rates around 5.49%, the Hummer’s offer is a significant cost saver.
Kia EV6 and EV9: 0% APR for 72 months
Kia is offering some of the strongest EV incentives, with both the 2024 EV6 and 2025 EV9 qualifying for 0% APR for 72 months. Both vehicles also include a $1,000 APR Bonus Cash incentive, and the EV9 provides an alternative $10,000 Customer Cash option, which may be a better choice for some buyers.
Toyota bZ4X: 0% APR for 72 months
Toyota has significantly reduced prices on its 2025 bZ4X by up to $6,000, making the 0% financing offer for 72 months even more enticing. Additionally, Toyota is offering $2,500 in TFS Bonus Cash, making this a standout deal for those looking to switch to an electric SUV.
Dodge Charger Daytona EV: 0% APR for 72 months
If you’re looking for a high-performance EV, the 2024 Dodge Charger Daytona offers 0% financing for 72 months, plus $3,000 in Bonus Cash. However, since the Daytona isn’t eligible for an EV tax credit, leasing might be a smarter alternative for some buyers.
RAM 1500: The lowest truck APR around
Ram
While there aren’t many 0% APR financing deals available for trucks this month, RAM is offering 1.9% financing for 72 months on most 2025 RAM 1500 models. While it’s not zero-percent, this still represents a solid financing deal compared to market rates.
Are 0% APR car loans worth it?
At first glance, a 0% APR deal sounds like a no-brainer. However, choosing between interest-free financing and a rebate can be tricky.
For example, RAM has previously offered a choice between 0% APR for 72 months or $10,000 in savings. On a $50,000 truck, taking the financing would result in a $694 monthly payment, while opting for the rebate (assuming a 5% loan rate) would bring the cost down to $644 per month, saving over $3,600 over the loan term.
Here are a few factors to consider when deciding:
- Total Cost vs. Monthly Payment: Lower payments might seem attractive, but it’s important to assess the overall cost of financing.
- Negative Equity Risks: Long-term financing with low payments can make it easier to buy a more expensive car than you can afford.
- Inflation & Rate Hikes: With inflation still impacting interest rates, 0% APR deals are harder to find, making them more valuable when available.
- Timing Matters: These deals may not last, but waiting for Memorial Day sales could offer even better incentives.
Final thoughts
0% APR financing is still alive in April 2025, but mainly on electric vehicles and select SUVs. If you’re in the market for an EV, this might be one of the best times to buy, given the combination of financing incentives and cash bonuses. Just be sure to compare your financing options carefully, as taking a rebate might be the better choice in some situations.
With auto prices still high and tariffs potentially increasing costs further, these deals might not last. If you find a 0% APR offer that fits your needs, it might be the perfect time to lock in your purchase.
