Every New Car Offering 0% Financing in March

What Car Shoppers Need to Know

• A rate of 0% financing lets buyers save thousands of dollars over their loan terms.
• Such financing is currently available for dozens of vehicles, but only about a third of them are 2026 models.
• Consider financing with dealer incentives and cash back to find the best deal.

Car buyers have a lot more than the final price to consider when purchasing a vehicle. Chief among them is financing, and according to the National Automobile Dealers Association, more than 80% of buyers finance their purchases. That means it’s important to be smart when it’s time to meet with the dealer’s finance and insurance representative. The best interest rate is 0%, but buyers should also consider what incentives they can get in addition to financing, and sometimes those deals will be mutually exclusive.

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Once you’ve determined the deal that can save you the most money, it’s possible that 0% financing will be part of the package. Below, we present the dozens of vehicles offered for March free-money financing. The list is mostly leftover 2025 inventory, but about a third of the offerings are newer 2026 models. They range from full-size pickup trucks to commercial vans to appealing electric vehicles to bread-and-butter compact SUVs. We’ve highlighted the deals on three vehicles we like in particular. All deals run through March 31.

2026 Hyundai Ioniq 5

• 0% APR for: 24, 36, 48, 60 or 72 months

The Hyundai Ioniq 5 is one of our favorite EVs. The Ioniq 5 offers a varied lineup that ranges from everyday driver to synthetically enhanced track car to mild off-roader with the personality of a rally car. Output ranges from 168 horsepower with a single motor to 320 hp with dual motors all the way to 641 hp for an Ioniq 5 N, which features simulated shifts and engine sounds. An 800-volt architecture lets it charge quickly on a DC fast charger, including on Tesla Superchargers (albeit at a slower rate than its capability), and electric driving range ranges from 221 miles to a very useful 318 miles.

2026 Toyota bZ

• 0% APR for: 24, 36, 48, 60 or 72 months

The bZ is much improved versus the bZ4X it replaces. Electric driving range for the bZ tops out at 314 miles compared to just 252 miles for the bZ4X. These changes come thanks to better efficiency as the battery only grows marginally from 73.1 to 74.7 kilowatt-hours. Power output now ranges from 168-338 hp, with 0-60 mph times as low as 4.9 seconds (the last model made 214 hp, even with two motors). The new EV is also quieter inside, can charge more quickly and offers access to Tesla Superchargers.

2026 Hyundai Tucson, Tucson Hybrid

The Tucson is an appealing compact crossover that excels for interior space, safety features and value. Those strengths earned it a third-place finish in our most recent compact SUV comparison test. We particularly like blind spot monitor, but we’re not enamored with the ride quality or front-seat comfort. The Tucson is offered in regular gas, hybrid and plug-in hybrid forms, but the PHEV version doesn’t get 0% financing. The standard gas models make 187 hp and deliver up to 28 mpg combined, while the hybrid produces 178 hp and offers up to 38 mpg combined.

Can Anyone Get 0% Financing?

Typically, only buyers with excellent credit can qualify for 0% financing. Excellent credit is usually defined as a credit score of 800 or above. Additionally, 0% financing is usually only available through automakers’ captive lending agencies, who only offer it on new or certified pre-owned vehicles.

What’s So Special About 0% Financing?

If you qualify, 0% financing can save you thousands of dollars over the life of a typical car loan. For example, if you borrow $40,000 at a 5% APR for a 60-month loan, your monthly payment will be $755, and you’ll pay more than $5,000 in interest over the life of the loan. With 0% financing on the same loan, the monthly payment would be nearly $100 less, and you’d pay $0 in interest.

What’s the Catch With 0% Financing?

Offers for 0% financing tend to be independent of other incentives such as rebates, and the dealership will likely try to make up some of the lost profit with extras such as gap insurance, which is usually available for less through your auto insurer. Zero-percent offers might only apply to pricier trim levels, so you’ll have to commit to a more expensive vehicle. They are also often limited to shorter-term loans with higher monthly payments, although there are plenty of 60- and 72-month terms among the current offerings.

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