which cars offer 0% financing can be attractive because the buyer may pay no interest on the finance agreement. In the US, these offers are usually shown as 0% APR auto loans. In the UK, they are more often shown as 0% APR PCP, 0% APR HP, or interest-free car finance.
This guide explains current examples of cars with 0% financing in the UK and US, the exact finance terms that could be verified, the conditions buyers should check, and how 0% finance differs from discounts or cashback offers. The Consumer Financial Protection Bureau says APR is one of the key figures consumers can use to compare auto loans because it reflects the cost of borrowing. It also advises buyers to compare APR, interest rate, loan length, and the total amount financed, not only the monthly payment.
Short answer:
Cars that usually offer 0% financing are selected new vehicles promoted by manufacturers, finance providers, or dealers. Current examples often include electric vehicles, SUVs, crossovers, selected trims, and some pickup trucks. In the US, these offers are usually shown as 0% APR auto loans. In the UK, they are usually shown as 0% APR PCP, 0% APR HP, or interest-free car finance.
Important note:
Car finance offers can change quickly. Buyers should confirm the latest APR, term, deposit, trim eligibility, stock availability, and expiry date directly with the manufacturer, finance provider, or dealer before applying.
Quick List of Cars With 0% Financing This Month
The examples below were checked from available source pages on May 6, 2026. Some offers are from manufacturer pages, while some UK examples are from dealer or marketplace pages.
| Vehicle | Market | Finance type | Term | Main condition | Last checked |
| 2026 Nissan Frontier | US | 0.0% APR financing | 60 months | For well-qualified buyers who finance with NMAC | May 6, 2026 |
| 2026 Nissan Rogue | US | 0.0% APR financing | 60 months | For well-qualified buyers who finance with NMAC; available on select 2026 trims | May 6, 2026 |
| 2026 Nissan Pathfinder | US | 0.0% APR financing | 60 months | For well-qualified buyers; trim and location may affect availability | May 6, 2026 |
| 2026 Nissan Murano | US | 0.0% APR financing | 60 months | Nissan also lists $4,000 customer cash, so buyers should compare both options | May 6, 2026 |
| 2026 Chevrolet Equinox EV | US | 0% APR financing | 60 months | For well-qualified buyers who finance with GM Financial | May 6, 2026 |
| Hyundai IONIQ 5 | US | 0% APR financing | Up to 72 months | Hyundai lists 0% APR plus $3,000 off and 0 payments for 90 days | May 6, 2026 |
| Hyundai IONIQ 9 | US | 0% APR financing | Up to 72 months | Hyundai lists 0% APR plus $3,000 off and 0 payments for 90 days | May 6, 2026 |
| Hyundai Elantra Hybrid | US | 0% APR financing | 72 months | Hyundai’s page explains the 0% APR payment calculation per $1,000 financed | May 6, 2026 |
| Vauxhall Corsa Ultimate | UK | 0% APR Representative | Up to 4 years on PCP | Minimum 20% deposit; finance subject to terms | May 6, 2026 |
| Hyundai KONA Electric | UK | 0% APR PCP | PCP terms apply | Hyundai Electric Grant applies to KONA Electric | May 6, 2026 |
| Hyundai INSTER | UK | 0% APR PCP | PCP terms apply | Dealer stock and PCP terms apply | May 6, 2026 |
| Volvo EX30 | UK | 0% APR finance | 36 months | Volvo UK shows 0% APR loan with 50% deposit and £1,675 saving | May 6, 2026 |
| Suzuki e Vitara | UK | 0% APR finance | 4 years | Suzuki UK lists 0% APR for 4 years and no deposit | May 6, 2026 |
| Škoda selected models | UK | 0% APR finance | Depends on offer | Škoda says 0% APR may apply to selected models, products, terms, or deposits | May 6, 2026 |
| BYD Atto 2 | UK | 0.0% APR Representative PCP | 49 months | Retail sales only; participating retailers; orders from April 1 to June 30, 2026; finance subject to status | May 6, 2026 |
Cars With 0% APR Auto Loans in the US
In the US, 0% APR car deals are usually offered through a manufacturer finance company. These offers may only be available to well-qualified buyers. The Federal Trade Commission warns that low advertised APR offers may apply only to “highly” or “well” qualified borrowers, meaning buyers with stronger credit profiles. The quick list above gives the exact APR, term, and main condition for each vehicle. The table below groups the US examples by buyer need, so readers can understand what type of car may receive 0% APR financing and what they should check before applying.
| US 0% APR category | Current examples from this guide | Why this category matters for buyers |
| SUVs and crossovers | 2026 Nissan Rogue, 2026 Nissan Pathfinder, 2026 Nissan Murano, 2026 Chevrolet Equinox EV | These examples show that 0% APR offers can appear on family-focused vehicles, not only small cars. Buyers should still check ZIP-code availability, selected trims, and lender approval. |
| Electric vehicles | 2026 Chevrolet Equinox EV, Hyundai IONIQ 5, Hyundai IONIQ 9 | EVs may appear in 0% APR promotions when manufacturers want to support electric vehicle sales. Buyers should check whether bonus cash, deferred payments, or trim restrictions apply. |
| Pickup trucks | 2026 Nissan Frontier | This example shows that 0% APR financing can also appear on trucks. Buyers should confirm trim eligibility, dealer participation, and whether other incentives are available. |
| Sedan or hybrid option | Hyundai Elantra Hybrid | This adds variety to the US examples because not every 0% APR offer is limited to SUVs, trucks, or EVs. Buyers should compare the total amount financed and monthly payment calculation. |
| Offers that need rebate comparison | 2026 Nissan Murano | This example is useful because Nissan also lists customer cash. Buyers should compare the 0% APR option with any cash incentive before choosing. |
| Manufacturer-finance examples | Nissan models through NMAC; Chevrolet through GM Financial; Hyundai finance offers | Many US 0% APR offers are connected to manufacturer finance companies. This means approval, location, and offer terms can affect whether the buyer qualifies. |
Nissan Frontier
Nissan lists 0.0% APR financing for 60 months on the 2026 Frontier. The offer is for well-qualified buyers who finance through Nissan Motor Acceptance Company, also known as NMAC.
| Detail | Information |
| Market | US |
| Finance type | 0.0% APR financing |
| Term | 60 months |
| Buyer condition | Well-qualified buyers |
| Finance provider | NMAC |
| What to check | Trim eligibility, local dealer participation, expiry date, and whether another incentive is available |
Nissan Rogue
Nissan lists 0.0% APR financing for 60 months on the 2026.5 Rogue. This adds a popular SUV example to the US section and makes the list more useful for buyers comparing family vehicles.
| Detail | Information |
| Market | US |
| Finance type | 0.0% APR financing |
| Term | 60 months |
| Buyer condition | Well-qualified buyers |
| Finance provider | NMAC |
| What to check | ZIP code, trim eligibility, local dealer participation, expiry date, and available cashback |
Nissan Pathfinder
Nissan lists 0.0% APR financing for 60 months on the 2026 Pathfinder. This is useful because it shows that 0% APR offers can also appear on midsize SUVs, not only smaller vehicles.
| Detail | Information |
| Market | US |
| Finance type | 0.0% APR financing |
| Term | 60 months |
| Buyer condition | Well-qualified buyers |
| Finance provider | NMAC |
| What to check | Selected trim, ZIP code, local dealer terms, and whether lease or cashback alternatives are available |
Nissan Murano
Nissan lists the 2026 Murano with 0.0% APR financing for 60 months. The same offer page also shows $4,000 customer cash, so buyers should compare the finance offer with the cash offer before choosing.
| Detail | Information |
| Market | US |
| Finance type | 0.0% APR financing |
| Term | 60 months |
| Other listed incentive | $4,000 customer cash |
| What to check | Whether the 0% APR offer and customer cash can be combined |
Chevrolet Equinox EV
Chevrolet lists 0% APR for 60 months on the 2026 Equinox EV. The offer is for well-qualified buyers who finance with GM Financial.
| Detail | Information |
| Market | US |
| Finance type | 0% APR financing |
| Term | 60 months |
| Buyer condition | Well-qualified buyers |
| Finance provider | GM Financial |
| What to check | ZIP code, trim, inventory, expiry date, and whether other incentives are available |
Hyundai IONIQ 5
Hyundai USA lists 0% APR financing for up to 72 months on IONIQ 5. The offer also shows $3,000 off and 0 payments for 90 days.
| Detail | Information |
| Market | US |
| Finance type | 0% APR financing |
| Term | Up to 72 months |
| Extra offer shown | $3,000 off and 0 payments for 90 days |
| What to check | Trim, ZIP code, expiry date, finance provider, and whether the bonus applies to the buyer’s selected model |
Hyundai IONIQ 9
Hyundai USA lists 0% APR financing for up to 72 months on IONIQ 9. The offer also shows $3,000 off and 0 payments for 90 days.
| Detail | Information |
| Market | US |
| Finance type | 0% APR financing |
| Term | Up to 72 months |
| Extra offer shown | $3,000 off and 0 payments for 90 days |
| What to check | Trim, location, expiry date, finance provider, and whether the buyer qualifies |
Hyundai Elantra Hybrid
Hyundai USA lists a 0% APR offer on the Elantra Hybrid and explains the payment calculation for a 72-month term. This example adds a sedan or hybrid option to a US section that otherwise focuses mainly on SUVs, EVs, and trucks.
| Detail | Information |
| Market | US |
| Finance type | 0% APR financing |
| Term | 72 months |
| Payment note | Hyundai states that at 0% APR, the payment for 72 months is $13.89 per month per $1,000 financed |
| What to check | Trim, location, credit approval, expiry date, and total amount financed |
Cars With 0% Car Finance in the UK
In the UK, 0% car finance is commonly structured through PCP or HP. MoneyHelper explains that PCP usually involves a deposit, monthly payments, and an optional final balloon payment if the buyer wants to own the car at the end. MoneyHelper also explains that PCP agreements usually include an annual mileage allowance.
Vauxhall Corsa Ultimate
Vauxhall has a dedicated 0% APR Offers page. It says cars with 0% finance are available with a minimum 20% deposit, and it lists the Corsa Ultimate with 0% APR Representative.
Vauxhall’s Corsa page also says 0% APR is available for up to 4 years on Personal Contract Purchase with a minimum 20% deposit. It also states that, at the end of the agreement, the buyer can part-exchange the vehicle, pay the optional final payment to own it, or return it, with excess mileage and vehicle condition charges potentially applying.
| Detail | Information |
| Market | UK |
| Finance type | 0% APR Representative |
| Finance structure | PCP |
| Deposit condition | Minimum 20% deposit |
| What to check | Monthly payment, final payment, mileage limit, excess mileage charges, and finance terms |
Hyundai KONA Electric
Hyundai UK lists 0% APR available on the KONA Electric and says the offer includes up to £2,000 towards deposit plus a £1,500 Electric Car Grant.
| Detail | Information |
| Market | UK |
| Finance type | 0% APR PCP |
| Model example | KONA Electric Advance 65kWh |
| Deposit support | Up to £2,000 towards deposit |
| Grant shown | £1,500 Electric Car Grant |
| What to check | PCP term, deposit, mileage limit, final payment, grant eligibility, and retailer terms |
Hyundai INSTER
Arnold Clark lists the Hyundai INSTER with 0% APR available on PCP. Its Hyundai INSTER page shows new INSTER offers and finance examples, including stock and monthly payment information.
| Detail | Information |
| Market | UK |
| Finance type | 0% APR PCP |
| Vehicle type | Electric car |
| Source type | Dealer listing |
| What to check | Stock availability, deposit, monthly payment, mileage limit, final payment, and full finance example |
Volvo EX30 and BYD Atto 2
Volvo UK shows a 0% APR Volvo Loan for 36 months on the EX30 with a 50% deposit and a £1,675 saving.
BYD UK lists 0.0% APR Representative on a 49-month Personal Contract Purchase for all BYD ATTO 2 models, subject to availability at participating retailers and finance approval.
| Vehicle | Market | Finance type | Important condition |
| Volvo EX30 | UK | 0% APR loan / finance | Volvo UK shows 36 months and 50% deposit |
| BYD Atto 2 | UK | 0% APR Representative PCP | BYD UK lists a 49-month PCP offer for all BYD ATTO 2 models, subject to participating retailers and finance approval |
BYD ATTO 2
BYD UK lists 0.0% APR Representative on a 49-month Personal Contract Purchase for all BYD ATTO 2 models. The offer is for retail sales only and applies to participating retailers, with vehicle orders from April 1, 2026 to June 30, 2026. Buyers should check the deposit, optional final payment, mileage terms, retailer availability, and finance approval before applying.
| Detail | Information |
| Market | UK |
| Finance type | 0.0% APR Representative PCP |
| Term | 49 months |
| Eligible models | All BYD ATTO 2 models |
| Main condition | Retail sales only; participating retailers; finance subject to status |
| Offer timing | Vehicle orders from April 1, 2026 to June 30, 2026 |
| What to check | Deposit, optional final payment, mileage charges, retailer availability, and approval terms |
What These Examples Show
The examples above show that cars with 0% financing are usually selected new vehicles, not every car from a brand. They also show that US and UK offer use different finance structures and different buyer conditions.
The table below explains the main patterns buyers should notice before choosing a 0% finance deal.
| Pattern | What it means for buyers |
| 0% finance is usually model-specific | A brand may offer 0% finance on one model but not on another. |
| US offers often use manufacturer finance companies | Examples include NMAC for Nissan and GM Financial for Chevrolet. |
| UK offers often use PCP or HP structures | Buyers should check deposit, mileage limit, and final payment. |
| EVs appear often in current examples | Current examples include Hyundai IONIQ 5, IONIQ 9, Equinox EV, KONA Electric, INSTER, Volvo EX30, and Suzuki e Vitara. |
| Cashback can change the better option | Nissan Murano shows why buyers should compare 0% APR with customer cash. |
| Credit approval matters | Some offers are only for well-qualified buyers or subject to status. |
| Offers can change quickly | Buyers should check the live manufacturer or dealer page before applying. |
Which Types of Cars Usually Get 0% Finance?
The safest factual wording is: 0% finance is usually found on selected new cars where a manufacturer, finance provider, or dealer is actively promoting a model. The current verified examples in this article include electric cars, SUVs, crossovers, and pickup trucks.
| Type of car | Why it appears in 0% finance examples | Verified examples from this article |
| Electric vehicles | Current UK sources show several 0% APR EV examples | Hyundai KONA Electric, Hyundai INSTER, Volvo EX30, BYD Atto 2 |
| SUVs and crossovers | Several current examples are SUVs or crossovers | Nissan Murano, Hyundai KONA Electric, Volvo EX30 |
| Pickup trucks | US manufacturer finance pages show truck examples | 2026 Nissan Frontier |
| Selected trims | Some offers apply only to selected trims or versions | Nissan Pathfinder, Hyundai IONIQ 5, Hyundai IONIQ 9, Vauxhall Corsa Ultimate, and Škoda selected models |
| New vehicles | The verified examples in this article are new-car offers | Nissan, Vauxhall, Hyundai, Volvo, Arnold Clark, Carwow examples |
How 0% Car Finance Differs in the UK and US
| Point | US 0% APR auto loans | UK 0% PCP or HP finance |
| Common wording | 0% APR auto loan | 0% APR PCP, 0% APR HP, interest-free car finance |
| Common provider | Manufacturer finance company | Manufacturer finance arm, dealer, or finance provider |
| Ownership | Buyer usually owns the car after the loan is repaid | PCP usually requires an optional final payment to own the car |
| Mileage limit | Usually not part of a standard auto loan | PCP normally includes an annual mileage allowance |
| Deposit | May be required depending on offer | Often required |
| Credit approval | Usually required | Usually required |
| Main risk | Buyer may not qualify for advertised APR | Buyer may focus on monthly payment and ignore final payment or mileage limit |
MoneyHelper explains that PCP agreements include a mileage allowance and can include a final balloon payment if the buyer wants to own the car.
Conditions to Check Before Choosing a 0% Finance Car
Before choosing a car with 0 financing, buyers should check the full finance terms. The FTC warns that low APR offers may apply only to well-qualified borrowers, and the CFPB advises buyers to compare APR, loan length, and total amount financed.
| Condition | Why it matters |
| Credit approval | 0% APR may only be available to well-qualified buyers. |
| Deposit | UK PCP and HP deals may require a deposit. Vauxhall shows a minimum 20% deposit on its 0% APR offers page. |
| Finance term | The term controls how long the buyer pays. Nissan Frontier and Murano examples show 60-month 0.0% APR financing. |
| Trim eligibility | Some offers may apply only to selected trims or versions. Some offers may apply only to selected trims, models, finance products, or locations. Buyers should confirm eligibility on the live manufacturer or dealer offer page. |
| Mileage limit | PCP deals usually include an annual mileage allowance. |
| Final payment | PCP can include an optional final payment if the buyer wants to own the car. |
| Cashback or rebate rules | A 0% APR offer may not always be better than a rebate. Nissan’s Murano page shows both 0.0% APR financing and $4,000 customer cash, so buyers should compare the terms. |
| Offer expiry date | Offers can change, so buyers should confirm the live finance page before applying. |
| Source reliability | Manufacturer sources should be checked first, then dealer or marketplace pages. |
Is 0% Finance Better Than a Discount?
I cannot confirm that 0% finance is always better than a discount. The better option depends on the car price, deposit, finance term, fees, rebate amount, and the APR available if the buyer does not choose 0% finance.
The CFPB advises buyers to compare the APR, interest rate, length of the loan, and total amount financed when comparing auto loan offers.
A simple comparison should include:
Option 1: Vehicle price with 0% finance
Option 2: Vehicle price after discount or rebate + normal finance APR
Option 3: Total amount payable over the full term
Option 4: Any deposit, fees, mileage charges, or final payment
For example, Nissan’s Murano page shows both 0.0% APR financing for 60 months and $4,000 customer cash. That means a buyer should check whether the offers can be combined and compare the total payable amount before choosing.
How We Selected These Examples
We selected examples only where a manufacturer, dealer, or reputable car marketplace showed a visible 0% APR, 0% PCP, 0% HP, or interest-free finance offer.
Source priority
| Priority | Source type | How it was used |
| 1 | Manufacturer finance pages | Used for official APR, term, deposit, and eligibility details |
| 2 | Dealer pages | Used for UK PCP examples where dealer finance details were visible |
| 3 | Reputable marketplace pages | Used for extra UK examples and comparison |
| 4 | Competitor deal pages | Used only where official confirmation was not available or where the claim needed a clear verification warning |
Verification notes
The examples were checked on May 6, 2026. Some offers may change after this date. Buyers should always verify the live finance terms before applying.
FAQs About Cars With 0% Financing.
What cars usually offer 0% financing?
Cars that appear in 0% financing offers are usually selected new cars. Current verified examples include electric cars, SUVs, crossovers, and pickup trucks such as the Nissan Frontier, Nissan Murano, Hyundai KONA Electric, Hyundai INSTER, Volvo EX30, and BYD Atto 2.
Are there cars with 0 financing in the UK?
Yes. Current UK examples include Vauxhall Corsa Ultimate with 0% APR Representative, Hyundai KONA Electric with 0% APR available, Hyundai INSTER with 0% APR available on PCP, and Volvo EX30 with a 0% APR Volvo Loan offer.
Are there 0% APR car deals in the US?
Yes. Current US examples include the 2026 Nissan Frontier and 2026 Nissan Murano with 0.0% APR financing for 60 months.
Is 0% PCP the same as 0% APR?
No. APR refers to the cost of borrowing. PCP is a finance structure. A PCP agreement can have 0% APR, but PCP may still include a deposit, mileage allowance, monthly payments, and an optional final payment if the buyer wants to own the car.
Can I get 0% finance on a used car?
I cannot confirm from the sources checked that 0% finance is commonly available on used cars. The verified examples in this article are new-car offers or new-car finance listings.
What credit score do I need for 0% APR auto loans?
I cannot confirm one fixed credit score requirement because lenders set their own approval rules. The FTC says low advertised APR offers may apply only to highly or well-qualified borrowers. Nissan’s Frontier offer also states that its 0.0% APR financing is for well-qualified buyers who finance with NMAC.
Is 0% finance always the cheapest option?
No. I cannot confirm that 0% finance is always the cheapest option. Buyers should compare the 0% finance price with any discount, rebate, customer cash, fees, loan term, and total amount payable. The CFPB says buyers should compare APR, interest rate, loan length, and total amount financed.
Which brands offer 0% car finance in the UK?
Current UK examples can appear from brands such as Vauxhall, Hyundai, Volvo, Suzuki, and Škoda. Buyers should confirm the live offer because 0% car finance can change by model, stock, deposit, finance product, and credit approval.
Which brands offer 0% APR car deals in the US?
Current US examples can appear from brands such as Nissan, Chevrolet, and Hyundai. A brand offering 0% APR one month may not offer the same deal the next month, so buyers should check the official manufacturer finance page before applying.
How often do 0% car finance deals change?
0% car finance deals can change monthly or when manufacturers update incentives, dealer stock, sales targets, or regional promotions. Buyers should always check the offer date, finance term, eligible trim, and lender conditions before applying.
Author and editorial note
Written by: Nimra Saleem
Reviewed by: MoneyMentorDesk Editorial Team
Topic focus: consumer finance, car loans, APR comparison, PCP finance, and personal finance education.
This article is for general information only. It is not financial advice. Car finance offers can change by country, location, lender, dealership, model, trim, deposit, credit approval, stock availability, and offer expiry date. Buyers should confirm the latest terms directly with the manufacturer, dealer, or finance provider before applying.