Every New Car Offering 0% Financing in February 2026

What Consumers Need to Know

• 0% financing can save you thousands over the life of a loan.
• 0% offers are currently available on dozens of new vehicles.
• Not everyone will qualify for 0% financing.

The vast majority of car buyers finance their purchase, upward of 80%, according to the National Automobile Dealers Association, and that often comes with a cost to borrow called the interest rate. A 0% annual percentage rate means you borrow that money for free, which can save you thousands over the life of a loan. That’s obviously good, but it may not always be the best option depending on what kind of deal you can negotiate under other terms; 0% financing often can’t be combined with other offers, such as cash back.

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Even if a 0% offer doesn’t net out the best deal, it’s almost always a good one and a solid benchmark to negotiate a better deal. Below are all of the vehicles available with 0% financing as of February 2026. Options range from full-size pickups and luxury SUVs to plug-in hybrids and electric vehicles, though check the manufacturer’s program for specifics, such as trim-level eligibility. We’ve highlighted a few of the more interesting models with 0% financing below.  Most offers below are valid through March 2.

2026 Kia EV9

• 0% APR for: 24, 36, 48 or 60 months

We purchased a 2024 EV9 for our long-term test fleet almost two years ago. We still like the three-row EV so much that we named it Cars.com’s Best Electric Vehicle of 2026. It boasts three spacious and comfortable rows of seating, standard hands-on semi-autonomous driving tech and an intuitive touchscreen infotainment system.

The 2026 model only gets better with the addition of a North American Charging Standard port, which allows owners to replenish their batteries at Tesla Superchargers. Tesla’s is far and away the largest public fast-charging network in the country, with more than 36,000 plugs at nearly 3,000 charging stations. The EV9’s 800-volt architecture means it can juice up from 10%-80% in less than 25 minutes at an adequately powerful plug (not a Supercharger at the moment).

2025 Ram 1500

• 0% APR for: 60 or 72 months

Another Cars.com Best Of winner, the Ram 1500 won Best Pickup Truck of 2025 — and 2026, but the current 0% offer only applies to the 2025 model year. While the Hemi V-8 rejoined the lineup for 2026, last year’s trucks won in large part thanks to the smooth, powerful twin-turbocharged inline-sixes that were meant to replace the Hemi.

With up to 540 horsepower, the SST (straight-six turbo) engines offer superior output and add to the Ram’s stand-out refinement in its class. There is no classier or more comfortable truck on the market than the 1500 Tungsten, and the turbocharged six-cylinder can still handle payloads as heavy as 2,360 pounds and tow up to 11,600.

2025 Ineos Grenadier

• 0% APR for: 24 or 36 months

For something completely different, check out the Ineos Grenadier. Basically a mass-produced restomod of the original Land Rover Defender 110, the 2025 Ineos Grenadier is a hardcore off-roader with solid front and rear axles, a locking center differential and a BMW engine. The turbocharged 3.0-liter inline-six puts out 282 hp and is teamed with an eight-speed automatic transmission. If you need more traction, locking front and rear differentials are available.

The Grenadier takes a decidedly utilitarian approach to luxury. Its rugged interior features throwback touches like rocker switches for many secondary controls, but the seats are comfortable and upholstered in rich leather.

New-Car 0% Financing Offers

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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