Zero-percent financing offers have resurfaced across major automotive brands this spring, with manufacturers from Hyundai to Ford advertising no-interest loans lasting up to 72 months on select 2025 and 2026 models. These deals, tracked by industry analysts at CarsDirect and Kelley Blue Book, represent aggressive efforts to clear inventory ahead of model-year transitions, particularly within the SUV and electric vehicle segments. Most promotional rates expire by March 31 or April 30, 2026, requiring excellent credit and regional dealer participation.
Unlike standard bank financing, these offers originate from captive lenders—finance arms owned by the manufacturers themselves—allowing them to subsidize interest costs directly. Current listings highlight standouts like the 2026 Toyota Mirai with a $35,000 financing bonus and the 2026 Hyundai IONIQ 5 with 72-month terms, though availability varies significantly by ZIP code and individual credit profiles.
Understanding the true structure of these deals reveals both substantial savings potential and specific limitations that could affect long-term financial planning.
What Are the Current 0% APR Car Deals?
- Expiration Cluster: Most offers terminate March 31, 2026, with Volkswagen extending through April 30.
- Segment Focus: SUVs and electric vehicles dominate current listings, with trucks like the Ford F-150 and GMC Sierra 1500 included.
- Stackable Incentives: Toyota offers up to $35,000 in financing bonuses on the Mirai, while Hyundai provides $5,000 bonus cash on the IONIQ 5.
- Geographic Variance: All deals carry regional limitations; “near me” availability requires direct dealer confirmation.
- Term Lengths: Options range from 48 months (Kia Sorento, Telluride) to 72 months (Toyota Mirai, Hyundai IONIQ 5).
- Credit Barriers: These rates require excellent credit scores, typically 740 or above.
| Model | APR | Term | MSRP/Details | Expires |
|---|---|---|---|---|
| 2026 Toyota Mirai | 0% | 72 months | +$35,000 financing bonus | March 31 |
| 2026 Hyundai IONIQ 5 | 0% | 72 months | +$5,000 HMF Bonus Cash | March 31 |
| 2026 Kia Sorento | 0% | 48 months | Gas/hybrid/PHEV eligible | March 31 |
| 2026 Hyundai Tucson | 0% | 60 months | 90-day payment deferral | March 31 |
| 2026 Nissan Rogue | 0% | 60 months | All trims included | March 31 |
| 2026 Volkswagen Atlas | 0% | 60 months | +$1,000 dealer cash | April 30 |
| 2025 Ford F-150 | 0% | 60 months | +$1,000 Truck Month Bonus | March 31 |
| 2025 Kia Telluride | 0% | 48 months | MSRP $37,935 | March 31 |
| 2026 Hyundai Santa Fe | 0% | Standard
 Madeleine ShawStaff Writer Madeleine Shaw is Politics & Public Affairs Editor at NewsPrism.co.uk, covering Parliament, government policy, elections and public spending. |