If you’re looking for 0 percent financing for 72 months, cars come with a money-saving opportunity for all the car buyers. If you are trying to get their money’s worth without losing money to interest, there is no better car-buying deal. With car prices escalating and financing rates also touching the sky, no-interest car loans are nothing less than a gold mine, especially for buyers with solid credit.
In this beginner-friendly guide, we will walk you through what 0% APR for 72 months really means, how it works, who it is good for, and most importantly, what cars are offering zero percent financing at present.
To help you find a car that not only suits your style but your budget as well, let’s jump in and see which automaker has what in store for you.
What Is 0 Percent Financing for 72 Months?
0 percent financing for 72 months means you will not be paying any interest on your car loan for six years. To put it simply, you will have zero interest on your financing. It means if the car costs $30,000, and you get cars with 0% financing right now, you will pay exactly $30,000, not a penny more. It will be just monthly payments divided over a 72 month period for you.
While this may seem a dream come true, this financing option is not for everyone. In all US states, these no-interest car loans are usually offered to people with really good credit, mainly a credit score over 700. This type of financing is mostly offered by car companies to move inventory or attract strong buyers they can fully trust.
If I have to say it, this car financing deal is nothing but a reward to you for being low-risk. If you’ve got a steady income and a clean credit history, and you’re not drowning in debt, there’s a good chance you’ll qualify without any fuss.
10 Best 0 Percent Financing for 72 Months Cars You Can Buy Right Now
If budget is your major concern while buying the new wheels, we recommend taking benefit of the 000 financing. There are a handful of automobiles in the market that are currently offering 0 percent financing for 72 months. You can trust these models as they have a long-standing track record of doing so during big sales months.
We have curated this list based on recent promotions, industry sources, and what real buyers and dealers are seeing on the ground.
1. 2025 Toyota bZ4X
- MSRP: From $37,070
- Financing: 0% APR
- Period: 72 Months
- Cash Rebate: $2,500
- Lease Deal: $229 for 36 months with $3,999 due at signing
Toyota’s all-electric bZ4X currently offers 0 percent financing for 72 months, along with up to $2,500 in bonus cash. If you’re looking for a stylish electric SUV with zero-interest financing, this is one of the best 0 percent car financing for 72 months deals available now.
The bZ4X is a smart pick offering reliability, comfort, and a great resale value. One Reddit user on r/whatcarshouldIbuy even said, “I find Toyota bZ4X boring, but the payment is beautiful with 0% financing.” And you can not argue with that.
2. 2025 Subaru Solterra
- MSRP: From $38,495
- Financing: 0% APR
- Period: 72 Months
The Solterra is Subaru’s take on a rugged, all-electric SUV—and for buyers looking to switch to EVs without sacrificing all-wheel-drive confidence, it’s a great option. What’s even better is that some dealers are now offering 0% financing for 72 months, making it easier to go electric without paying extra interest.
Also Read: Shrink Your Ride, Not Your Comfort – Best Urban Cars 2025
3. 2025 Volkswagen ID.4
- MSRP: From $39,995
- Financing: 0% APR
- Period: 72 Months
- Cash Back: $5,000
The ID.4 is Volkswagen’s stylish and practical electric crossover, offering solid range, smooth performance, and a clean cabin layout. With zero-interest financing options available for qualified buyers, it’s becoming one of the more affordable ways to move into EV ownership while keeping monthly payments predictable. What I personally like the most is the $5,000 cashback deal, saving you substantially on the sticker price of $39,995.
4. 2025 Lexus RZ
- MSRP: From $42,800
- Financing: 0% APR
- Period: 72 Months
- Cash Back: $7,500
Lexus brings quiet luxury to the EV world with the RZ. It’s sleek, and comfortable, and comes packed with the latest driver-assist tech. For a premium vehicle, having access to 72-month interest-free auto financing on select trims makes the deal even more appealing. It is especially worth going for if you’re trading up from a gas-powered model. The $7,500 cashback is also available, providing you with multiple offers to explore.
5. 2025 Nissan Ariya
- MSRP: From $39,770
- Financing: 0% APR
- Period: 72 Months
- Cash Back: $2,000
Modern styling, multiple powertrain options, and a smooth ride make the all-new Ariya a strong contender in the electric SUV space. And when you combine its practicality with the potential for 0% APR financing over 72 months, it’s a smart long-term pick for tech-savvy drivers looking to cut both emissions and interest costs. The starting price of $39,770 seems under budget with an additional $2,000 cashback.
Also Read: Not sure which EV to buy or how to finance it Start with this easy guide
6. 2025 Chrysler Pacifica Plug-in Hybrid
- MSRP: From $51,055
- Financing: 0% APR
- Period: 72 Months
- Cash Rebate: $7,500
- Lease Deal: $499 for 39 months with $4,449 due at signing
If you’re after space, comfort, and electric range, the Pacifica PHEV is hard to beat. It’s great for families doing both local errands and road trips. What makes it even more parent-friendly is a wide range of deals and offers, including 0 interest car loans, a cash rebate of $7,500, and a lease deal for 39 months comprising monthly payments of $499 and $4,449 as a down payment, making this practical minivan easier to budget over time.
Suggestion: Top Mini Drivable Cars for Adults That Feel Luxury
7. 2025 Kia Niro EV
- MSRP: From $40,995
- Financing: 0% APR
- Period: 72 Months
- Cash Rebate: $7,500
- Lease Deal: $129 for 24 months with $3,999 due at signing
The Niro EV offers over 250 miles of range, a compact build that’s great for urban driving, and all the modern tech you’d expect from Kia. It’s practical, efficient, and doesn’t try too hard. Now with 0% financing for 72 months, a cash rebate of $7,500, and a lease deal of $129 for 24 months with $3,999 due at signing, available at select dealers, it’s a clean-energy choice that makes just as much financial sense as it does environmental.
8. 2025 Ford F‑150 XLT
- MSRP: From $37,450
- Financing: 0% APR
- Period: 72 Months
- Cash Rebate: $7,500
Currently, Ford is offering zero-interest financing on only one of its wide range of models. With the XLT trim, the F‑150 keeps things capable and modern without going overboard. This rugged pickup is strong, spacious, and tech-forward. Plus, with Ford dealers offering 72-month no-interest car loans on select trucks, it’s easier than ever to get the workhorse you need at a monthly car payment that actually makes sense. And the fact that you can get a cash rebate of up to $7,500 is another money saver.
9. 2025 Nissan Leaf
- MSRP: From $28,140
- Financing: 0% APR
- Period: 72 Months
The 2025 Leaf keeps things simple, which is exactly why so many first-time EV buyers love it. It offers a smooth, quiet ride, a straightforward cabin, and enough range for daily commuting without the price tag of newer electric models. With 0% financing for 72 months available at select dealerships, it’s one of the most affordable and low-risk ways to make the jump into electric driving.
10. 2025 Ford Mustang Mach‑E
- MSRP: From $37,995
- Financing: 0% APR
- Period: 72 Months
The Mustang Mach‑E blends electric performance and iconic styling in a fun SUV. Ford currently offers 0% APR for 72 months on select trims, with perks like $0 down and a delayed payment start. That means you get all the EV tech, hands-free driving, solid range, and fast charging without paying interest over six years. For anyone wanting style and savings, the Mach‑E is a strong pick.
Also Read: Know the limits of your warranty and avoid costly surprises
Is 0 percent car financing for 72 months a Good Deal?
Yes, but only if you qualify. If you are eligible to buy cars with 0 financing for 72 months, it will be one of the smartest ways for you to buy a new car. You avoid paying thousands in interest, your payments are predictable, and you’re not giving money away to lenders. You can plan your financial obligations clearly for the next six years with a fixed amount to be paid every month.
But let’s be honest here. It is not always the best deal just because it is 0%. Sometimes, you might be better off taking a big cash rebate and a low-interest loan.
To know for sure, always ask the dealer to provide you with all your viable options, compare them side by side, and then make a final decision.
How to Improve Your Chances of Getting 0% Interest Car Loans?
Getting approved for 0 percent financing for 72 months on cars usually takes a strong credit profile. You need to prove to the lenders or dealers that you are a no-risk candidate and that they can trust you with their expensive purchase.
However, if you are not a viable candidate, do not get disheartened. There are certain things that you can jump-start to improve your odds. As someone who swears by these tricks, I assure you that you will get a great deal on your favorite car in no time.
- Check your credit score (700+ is usually required).
- Avoid opening new credit accounts in the last 3 months.
- Keep your credit utilization low.
- Bring proof of income, residence, and insurance.
Real finance managers often say: “We want to say yes, but the software has to agree.” It simply means that your getting rejected is not personal; it is just math. And the more you work on getting them up, the higher your chances of bagging that 0% financing.
Frequently Asked Questions
What credit score do I need for 0% financing for 72 months?
You typically need an excellent credit score of about 700 to 740+ FICO to qualify for this car financing. Most captive finance companies like Toyota Financial Services and Ford Credit reserve these deals for their lowest-risk borrowers.
Can I get 0% financing on a new SUV or only sedans?
Absolutely! There are many 2025 SUVs on the market that you can buy with 0 percent financing. Models like Hyundai Tucson Hybrid, Jeep Grand Cherokee 4xe, and Subaru Solterra EV are available for 0 percent financing for 72 months SUV deals this July.
Is a 72-month interest-free auto financing always better than a rebate?
Not always. Some deals include a cash rebate instead of 0% financing. For a $30,000 car, a $3,000 rebate plus a low APR could sometimes save more than zero interest. So, instead of blindly following the 0%, compare it with other offers available on the model you want to buy and then make a final decision.
Do these offers apply to certified pre-owned (CPO) cars?
Usually, no. 0% car financing for 72 months is almost always reserved for new vehicles, though occasionally extended to slowly-stocked EVs or CPO units, but it’s rare.
Can I combine 0% financing with other incentives or trade-in deals?
Sometimes yes, but often no. These kinds of deals are usually mutually exclusive, meaning you can pick either the 0% APR or a cash incentive. If you’re trading in, you may still qualify, but stacking discounts isn’t always allowed. So, keep this in mind while choosing a price limit for your new purchase.
Conclusion
If you’ve got good credit and plan to keep the car long-term, then the 0 percent financing for 72 months cars is one of the best car deals in 2025. You’re avoiding interest, locking in a fixed monthly payment, and potentially walking away with thousands in savings.
However, you must understand that this deal is not for everyone, and not every dealer will provide it. But do not refrain from asking about it.
Car deals change every month, so if you see a car you love on this list, don’t wait too long. Good credit is like a VIP pass in the car world. If you use it wisely, you can drive away with your favorite car with little to no financial burden.
