0 Percent Financing for 72 Months Cars

Top Brands Offering 0 Percent Financing for 72 Months Cars

When it comes to purchasing a new car, securing an affordable financing option is one of the most important factors to consider. 0 percent financing for 72 months is one of the most attractive car loan deals available, allowing buyers to finance their vehicles over a longer period without paying any interest. Many top car brands are now offering this financing option to make it easier for consumers to drive away with their dream car. In this article, we will explore the brands offering 0 percent financing for 72 months and discuss the benefits, considerations, and top picks for this financing option.

0 percent financing for 72 months means that you can purchase a vehicle and pay it off over a span of 6 years without paying any interest. Essentially, you are only paying the principal cost of the car. This is an incredibly beneficial option for buyers who want to spread their payments out over an extended period while still keeping their monthly payments affordable.

However, it’s essential to note that not all car models or trim levels may qualify for this offer. Dealerships often offer 0 percent financing for 72 months only on specific vehicles or during particular promotional periods. For buyers looking to take advantage of this option, it’s crucial to keep an eye on dealership promotions and offers to ensure they are getting the best deal.

Why Choose 0 Percent Financing for 72 Months?

No Interest Charges

The most apparent benefit of 0 percent financing for 72 months is that you will not be paying any interest on the loan. In most traditional car financing deals, interest can significantly increase the overall cost of the vehicle over time. With 0 percent financing, you avoid this, saving potentially thousands of dollars over the term of the loan.

Lower Monthly Payments

By extending the loan term to 72 months, you can reduce your monthly payments, making it more affordable to drive a newer or more expensive car. 0 percent financing for 72 months means you don’t have to sacrifice on a vehicle you desire just to stay within your monthly budget.

Longer Loan Term

While a longer loan term can sometimes result in higher total costs with interest, 0 percent financing for 72 months allows buyers to enjoy the benefits of a longer term without the added cost of interest. This flexibility allows consumers to get into a better vehicle with more desirable features.

Brands Offering 0 Percent Financing for 72 Months

  1. Ford

Ford has long been a leader in offering competitive financing deals, including 0 percent financing for 72 months. Ford’s lineup, including the Ford F-150, Escape, and Explorer, often qualifies for this attractive offer. Ford regularly runs promotions on certain models, providing the opportunity for buyers to enjoy 0 percent financing for 72 months with qualifying credit.

Ford’s 0 percent financing for 72 months is often available on new vehicles, but it’s important to act quickly, as these promotions are typically available for limited-time offers or during specific times of the year.

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  • Mustang Mach-E: 0% APR for 72 months on 2024 models.
  1. Chevrolet

Chevrolet also stands out as one of the top brands offering 0 percent financing for 72 months. Whether you’re interested in the Chevrolet Silverado, Equinox, or Traverse, you can find various models that may qualify for this financing deal. Chevrolet is known for providing generous incentives on many of their vehicles, especially during end-of-year sales or special events.

The 0 percent financing for 72 months option on Chevrolet cars can be a great way to secure a brand-new vehicle without having to pay interest over the term of the loan.

Chevrolet

As of January 2025, Chevrolet is offering 0% APR financing for up to 60 months on select electric vehicles, including the 2024 Equinox EV, Blazer EV, and Silverado EV.

For traditional gasoline models, such as the 2025 Silverado 1500, financing rates are higher. For example, the 2025 Silverado 1500 is available with a 2.4% APR for 36 months, 4.4% APR for 48 months, 5.4% APR for 60 months, and 5.9% APR for 72 months.

  1. Toyota

Toyota, a leader in reliability and innovation, is another top brand offering 0 percent financing for 72 months on selected models. Whether you are looking for the spacious Toyota Highlander, the fuel-efficient Camry, or the rugged Tacoma, Toyota often features special offers for 0 percent financing that can help make your car buying experience more affordable.

Toyota’s reputation for producing durable and long-lasting vehicles makes it an attractive option for those considering 0 percent financing for 72 months, as you know you’re investing in a vehicle that will likely last for many years.

toyota

bZ4X: 0% APR for 72 months plus $2,500 bonus financing cash on 2024 models.

  1. Honda

Honda is well-known for producing cars with excellent resale value, and they often offer 0 percent financing for 72 months to help buyers take advantage of their dependable vehicles. Models like the Honda Accord, CR-V, and Pilot often qualify for 0 percent financing during promotional periods.

This makes purchasing a new Honda incredibly attractive for those who are looking to secure long-term financing without paying any additional interest.

Honda Prologue

As of January 2025, Honda is offering a 0% APR financing deal for up to 72 months on the 2024 Honda Prologue.

For other models, Honda provides low-interest financing options. For instance, the 2025 Honda Passport is available with a 0.9% APR for 36 months.

  1. Nissan

Nissan frequently provides 0 percent financing for 72 months on many of its popular models, including the Nissan Altima, Rogue, and Frontier. Nissan has a strong reputation for offering solid and affordable cars, and with 0 percent financing available, buyers can secure an excellent deal while keeping monthly payments low.

Nissan’s commitment to value and innovation makes their 0 percent financing for 72 months offers a fantastic option for those seeking to buy a new car.

nissan nissan ariya

Ariya: 0% APR for 72 months on 2024 models.

  1. BMW

For luxury car buyers, BMW offers 0 percent financing for 72 months on some of their vehicles, such as the BMW 3 Series, X5, and 5 Series. These promotions, which are available for qualified buyers, give consumers the chance to own a high-end vehicle without the burden of high-interest rates. BMW’s 0 percent financing for 72 months is particularly attractive for those looking for a luxurious ride with affordable long-term payment plans.

The BMW brand is synonymous with quality engineering, cutting-edge technology, and unparalleled driving experiences. Taking advantage of 0 percent financing for 72 months makes these vehicles even more enticing.

bmw

As of January 2025, BMW is offering special financing rates on select models. While 0% APR financing for 72 months is not available, competitive rates are offered for shorter terms. For instance, the 2025 BMW X5 is available with a 2.99% APR for up to 60 months.

  1. Hyundai

Hyundai is another brand that offers 0 percent financing for 72 months on selected models. Their lineup includes options such as the Hyundai Sonata, Elantra, and Santa Fe. Known for their excellent warranties and low-maintenance costs, Hyundai cars offer great value for money. With 0 percent financing on many of their models, Hyundai makes it easier for buyers to enjoy an affordable financing deal on a reliable and fuel-efficient vehicle.

hyundai

2024 Kona Limited: 3.99% APR financing for up to 72 months.

  1. Kia

Kia is another strong contender in the automotive industry when it comes to financing deals. Their 0 percent financing for 72 months offers are often available on models like the Kia Sorento, Optima, and Forte. Kia has become a household name for producing stylish, affordable cars with impressive features.

Kia’s 0 percent financing for 72 months is a great opportunity for those looking to invest in a new car without paying interest, making it a popular choice among budget-conscious buyers.

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EV9: 0% APR for 72 months on 2024 and 2025 models.

  1. Subaru

Subaru’s reliable all-wheel-drive vehicles are perfect for those in colder climates or who love outdoor adventures. With models like the Subaru Outback, Forester, and Crosstrek, Subaru often provides 0 percent financing for 72 months during promotional events.

The 0 percent financing for 72 months option from Subaru allows buyers to enjoy their rugged, reliable cars while keeping monthly payments manageable.

subaru

Solterra: 0% APR for 72 months on 2024 models.

  1. Mercedes-Benz

For buyers looking for a luxury experience, Mercedes-Benz is another brand offering 0 percent financing for 72 months on certain vehicles. Known for their high-end craftsmanship, performance, and luxury features, Mercedes-Benz provides attractive offers for those interested in financing a luxury car with zero interest.

Models like the Mercedes-Benz C-Class, E-Class, and GLC frequently qualify for 0 percent financing, making the idea of owning a luxurious car even more attainable.

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  • 2025 GLC 300 4MATIC SUV: Lease offer of $559 per month for 39 months, with $4,983 due at signing.

  • 2025 GLC 350e 4MATIC SUV: Lease offer of $559 per month for 39 months, with $5,783 due at signing.

  • 2025 GLA 250 SUV: Lease offer of $419 per month for 39 months, with $4,393 due at signing.

  • 2025 E 350 Sedan: Lease offer of $779 per month for 39 months, with $5,946 due at signing.

Key Considerations Before Opting for 0 Percent Financing

While 0 percent financing for 72 months is an appealing option, there are a few things to keep in mind before committing to a loan:

  1. Credit Score – To qualify for 0 percent financing for 72 months, most dealerships will require a good to excellent credit score. If your credit score is lower, you may not qualify for this financing deal, or you may need to pay a higher interest rate.
  2. Model Restrictions – Not all vehicles will qualify for 0 percent financing. Be sure to check with the dealership about which specific models are eligible for this offer.
  3. Promotional Periods – 0 percent financing for 72 months is typically offered as part of a limited-time promotion. Be sure to act fast to secure this financing option during the promotion window.
  4. Total Loan Amount – While 0 percent financing allows you to avoid interest, it’s important to ensure the total loan amount fits within your budget. A 72-month term may result in lower monthly payments, but you may still end up paying a large amount over the course of the loan.

Understanding How 0 Percent Financing Works

When you opt for 0 percent financing for 72 months, you’re essentially agreeing to pay only the principal cost of the vehicle without any added interest. While this sounds like an excellent deal, it’s important to understand how it works in practice. In most cases, dealerships or manufacturers offering 0 percent financing for 72 months will limit the availability of this deal to specific models or during certain promotional periods. To get the best deal, buyers need to shop around and ensure they are opting for a model that qualifies for this special financing term.

The appeal of 0 percent financing lies in the fact that the overall cost of the vehicle doesn’t increase due to interest charges. Over the course of 6 years, a typical auto loan could see you paying thousands of dollars in interest, especially if you choose a traditional loan term of 60 months or longer. With 0 percent financing, however, you can enjoy long-term affordability while avoiding these extra costs, which can be a huge financial relief in the long run.

The Role of Dealer Incentives in 0 Percent Financing Deals

Often, 0 percent financing for 72 months is part of a larger incentive or promotional deal offered by car manufacturers to drive sales. These promotions may be seasonal (e.g., year-end sales events or holiday promotions) or tied to the release of new vehicle models. While 0 percent financing can be a great way to save on the overall cost of a vehicle, dealerships typically set certain conditions to qualify, such as requiring you to trade in a vehicle, putting down a larger down payment, or having a strong credit history.

Sometimes, the 0 percent financing deals come in tandem with other offers such as cashback rebates or discounts. However, these additional incentives may not be available on every car, so it’s important to ask the dealership for clarification. By understanding the full scope of any promotion, you can ensure that you’re getting the best value and truly benefiting from the 0 percent financing for 72 months deal.

Is 0 Percent Financing Always the Best Deal?

Although 0 percent financing for 72 months sounds like the ideal option for many buyers, it’s important to evaluate whether this deal is the best financial choice for your specific situation. In some cases, buyers might be able to negotiate a lower price for the vehicle upfront, which could be more beneficial in the long term than relying on 0 percent financing for 72 months.

It’s also important to compare the 0 percent financing for 72 months option with other types of financing available. For example, a short-term loan might offer a slightly higher interest rate but could result in lower overall payments, as the term is much shorter. Always calculate the total amount you’ll pay over the life of the loan, not just the monthly payments. This will help you determine whether the 0 percent financing for 72 months truly delivers the savings you’re expecting.

How Your Credit Score Affects 0 Percent Financing

When you apply for 0 percent financing for 72 months, your credit score will play a significant role in whether you qualify for the loan. Most dealerships offering 0 percent financing will reserve this offer for customers with excellent credit, usually a score of 700 or higher. While it is possible for those with lower credit scores to access financing, they may not qualify for the full 0 percent rate or may need to settle for a higher interest rate.

It’s also important to understand that your credit history can impact other aspects of your financing deal. If you have a low credit score, you may be required to make a larger down payment, which can affect your overall financial situation. Before committing to a 0 percent financing deal, check your credit report to ensure that there are no inaccuracies and that your score is in good standing.

The Impact of Extended Loan Terms on Your Car’s Depreciation

An important consideration when opting for 0 percent financing for 72 months is how it affects the long-term value of your car. Cars begin to depreciate as soon as they leave the dealership lot, and the longer your financing term, the more likely you are to owe more than your vehicle is worth for a significant period of time. This is especially true with 72-month terms, where you’re paying off your car over a longer duration.

If you plan to trade in or sell your car before the loan term ends, the depreciation rate can make it more difficult to recover the full value of your car. However, 0 percent financing for 72 months can make this situation more manageable, as the lack of interest means you’re paying less overall. But, if you plan to pay off the vehicle faster or trade it in soon, consider a shorter financing term for potentially better financial outcomes.

Negotiating with Dealerships for Better Terms

Even if a dealership is offering 0 percent financing for 72 months, there’s always room for negotiation. Sales teams are often open to negotiating aspects of the deal, such as the vehicle price, the down payment amount, or additional perks like extended warranties, service plans, or accessories. Be sure to understand the full scope of the deal before agreeing to the terms.

One of the most important negotiation tactics when dealing with 0 percent financing for 72 months is to focus on the purchase price of the vehicle. Many times, the dealer may offer a 0 percent deal but still charge a higher price for the car than another dealer or manufacturer. Try to get the lowest possible price for the vehicle to ensure you’re getting the best overall deal.

The Role of Trade-Ins in 0 Percent Financing Deals

Another important aspect to consider when taking advantage of 0 percent financing for 72 months is the trade-in value of your current vehicle. Many dealerships will offer additional incentives for trade-ins, which can lower the overall price of your new car and reduce the size of your loan. If you have a car to trade, make sure to research its market value to ensure you’re getting a fair price.

Some dealerships may offer higher trade-in values during special promotions, making it a great time to negotiate and secure a larger value for your current car. Combining your trade-in with 0 percent financing for 72 months can help maximize your savings and reduce your monthly payment, giving you even more financial flexibility.

Common Mistakes to Avoid with 0 Percent Financing

While 0 percent financing for 72 months sounds like a great deal, it’s important to avoid some common pitfalls. For example, buyers should never focus solely on the monthly payment. While 0 percent financing reduces the interest paid, the monthly payments could still be high, especially if the vehicle’s price is steep.

Additionally, some buyers may fall into the trap of extending the loan term to 72 months just to get lower payments. This can lead to paying more over time, particularly if the car depreciates faster than you can pay it off. Always assess the long-term costs and weigh the benefits of shorter loan terms versus extended ones.

Conclusion

At Car Concierge Pro, we offer expert car concierge services to help you navigate the car-buying process. We can help you secure the best financing options, including 0 percent financing for 72 months, and make sure you get the vehicle that fits your needs and budget. Let us handle the details so you can enjoy a hassle-free car buying experience.

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