10 Best 0% APR Deals in July 2024 - Kelley Blue Book (2024)

General

Incentives by model for June 2024

By10 Best 0% APR Deals in July 2024 - Kelley Blue Book (1)Allyson Harwood07/11/2024 3:41pm

  • Best 0% APR Deals

    10 Best 0% APR Deals in July 2024 - Kelley Blue Book (2)

    As we get closer to the end of summer, the number and quality of 0% APR deals continues to improve. This month, there are so many 0% APR deals that they are spread out over two lists. If you are looking for a 0% APR deal on an electric vehicle, you can check out list of 10 Best Electric Car Deals. There are several 0% APR deals there, too.

    On this list of 0% APR financing deals, though, you’ll find offers on some great vehicles, including compact and midsize SUVs and a couple of cars. And there are three deals on 3-row SUVs.

    Term lengths range from 36 to 48 months, and some include cash back. Please check with your local dealer beforehand to ensure the deal you want is available. All prices are for the trim level on special, or the base price if it applies to all trims, and include the destination fee. However, prices do not include tax, title, or license fees.

    Here are the best 0% APR deals in July 2024.

  • 10. 2024 Mitsubishi Outlander

    10 Best 0% APR Deals in July 2024 - Kelley Blue Book (3)

    Price: $29,890
    Current offer: 0% APR financing
    Expires: 7/31/2024

    See Mitsubishi Outlander models for sale near you

    The stylish Mitsubishi Outlander is one of the most affordable 3-row SUVs on the market. While the third row is tight, it certainly comes in handy when you need it. This month’s deal, which also applies to the Outlander plug-in hybrid (PHEV) model, has a 48-month term and no payments for 90 days. With the PHEV, you can also get $2,000 cash back.

    Compare dealer offers

  • 9. 2024 Nissan Altima

    10 Best 0% APR Deals in July 2024 - Kelley Blue Book (4)

    Price: $37,210
    Current offer: 0% APR plus $1,250 cash back
    Expires: 7/31/2024

    See Nissan Altima models for sale near you

    The sporty, family-friendly Nissan Altima is a midsize sedan with upscale style and amenities. It boasts some of the most comfortable seats in its class. This month’s deal on the Altima SR VC-Turbo has a 36-month term, and you can also get up to $1,750 cash back.

    Compare dealer offers

  • 8. 2024 Ford Expedition

    10 Best 0% APR Deals in July 2024 - Kelley Blue Book (5)

    Price: $57,625
    Current offer: 0% plus $1,000 cash back
    Expires: 9/3/2024

    See 2024 Ford Expedition models for sale near you

    If you are looking for a full-size SUV that’s comfortable, capable, roomy, and comes loaded with helpful tech, consider the Ford Expedition. It’s rare to find a deal like this on a full-size SUV, let alone a multiple Kelley Blue Book Best Buy Award winner. This deal has a 36-month term and includes $1,000 cash back.

    Compare dealer offers

  • 7. 2024 Nissan Pathfinder

    10 Best 0% APR Deals in July 2024 - Kelley Blue Book (6)

    Price: $51,010
    Current offer: 0% APR plus $1,000 cash back
    Expires: 7/31/2024

    See Nissan Pathfinder models for sale near you

    It isn’t often we’ve seen a deal like this on the Pathfinder. Rugged and capable yet plenty comfortable, the Nissan Pathfinder boasts a 6,000-pound towing capacity. That’s the best in its class. This 3-row SUV also comes standard with an impressive suite of safety features that comes standard. This month’s deal applies to the Platinum trim and has a 36-month term.

    Compare dealer offers

  • 6. 2024 Mazda CX-30

    10 Best 0% APR Deals in July 2024 - Kelley Blue Book (7)

    Price: $26,415
    Current offer: 0% APR financing
    Expires: 7/31/2024

    See Mazda CX-30 models for sale near you

    If you’re looking for a stylish, sporty yet practical SUV, the subcompact Mazda CX-30 might be the right fit. Well-built, efficient, and offering impressive value, the CX-30 makes running errands fun. Plus, all-wheel drive is standard on every CX-30. This month’s deal has a term of 36 months.

    Compare dealer offers

  • Related Offer

  • 5. 2024 Ford Escape

    10 Best 0% APR Deals in July 2024 - Kelley Blue Book (8)

    Price: $30,990
    Current offer: 0% APR financing plus $1,575 cash back
    Expires: 9/3/2024

    See 2024 Ford Escape models for sale near you

    The Ford Escape is a compact SUV with plenty of modern tech and comes standard with an expansive safety suite. It’s available with a choice of gas engines or a hybrid or plug-in hybrid (PHEV) drivetrain. Ford’s current offer has a 36-month term and includes no payments for 90 days. A similar deal is available for the 2023 Escape.

    Compare dealer offers

  • 4. 2024 Nissan Rogue

    10 Best 0% APR Deals in July 2024 - Kelley Blue Book (9)

    Price: $40,520
    Current offer: 0% APR financing
    Expires: 7/31/2024

    See Nissan Rogue models for sale near you

    The Nissan Rogue is larger than many of the other competitor compact SUVs. It also boasts excellent fuel economy and an impressive suite of safety features that come standard. This month’s deal is on the Platinum trim and has a contract length of 36 months.

    Compare dealer offers

  • 3. 2024 Mazda CX-5

    10 Best 0% APR Deals in July 2024 - Kelley Blue Book (10)

    Price: $30,720
    Current offer: 0% APR financing
    Expires: 7/31/2024

    See Mazda CX-5 models for sale near you

    Good-looking and fun to drive, the CX-5 is a compact SUV that gives practicality some panache. The interior is easy to use and reconfigure, and all-wheel drive comes standard on every trim level. This deal has a term of 36 months.

    Compare dealer offers

  • 2. 2024 Mazda3 Hatchback

    10 Best 0% APR Deals in July 2024 - Kelley Blue Book (11)

    Price: $25,335
    Current offer: 0% APR financing
    Expires: 7/31/2024

    See Mazda3 models for sale near you

    We don’t see 0% APR deals on mainstream compact cars very often, so when we do, we’re eager to spread the word. This deal is on a particularly good car, too: the 2024 Mazda3 Hatchback. Efficient, upscale, and sporty, the Mazda3 serves as a great daily driver while still offering plenty of fun on twisty roads. This deal has a term of 36 months.

    Compare dealer offers

  • 1. 2024 Ford F-150

    10 Best 0% APR Deals in July 2024 - Kelley Blue Book (12)

    Price: $38,960
    Current offer: 0% APR financing plus $900 cash back
    Expires: 9/3/2024

    See Ford F-150 models for sale near you

    The Ford F-150 is a do-it-all truck that combines top towing and payload capacity with interiors that can be luxurious. The truck also has tech that helps with everything from trailering and hauling to communication and navigation. You can even use the truck to power tools and equipment with an available on-board generator. Ford’s current offer has a 36-month term and includes no payments for 90 days.

    Compare dealer offers

    Best 0% APR Deals in July 2024

    1. 2024 Ford F-150: 0% APR financing plus $900 cash back
    2. 2024 Mazda3 Hatchback: 0% APR financing
    3. 2024 Mazda CX-5: 0% APR financing
    4. 2024 Nissan Rogue: 0% APR financing
    5. 2024 Ford Escape: 0% APR plus $1,575 cash back
    6. 2024 Mazda CX-30: 0% APR financing
    7. 2024 Nissan Pathfinder: 0% APR plus $1,000 cash back
    8. 2024 Ford Expedition: 0% plus $1,000 cash back
    9. 2024 Nissan Altima: 0% APR plus $1,250 cash back
    10. 2024 Mitsubishi Outlander: 0% APR financing

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  • Allyson Harwood

    Allyson Harwood is an author specializing in 10 Best lists, Kelley Blue Book's annual awards programs, and reviewing new vehicles. Starting in the automotive industry straight out of college, she has evaluated and written about trucks, SUVs, and cars, from both the consumer and enthusiast perspectives, for nearly 25 years. Allyson has previously written for Motor Trend, Truck Trend, and Four Wheeler Magazine.

    More From Allyson

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10 Best 0% APR Deals in July 2024 - Kelley Blue Book (2024)

FAQs

Is there a catch to 0% APR? ›

These deals are real, and you won't pay any interest on your car loan. However, that doesn't mean they're the best deal for you. Even without interest payments, you could still pay more overall. That's because taking a 0% financing deal will usually make you ineligible for manufacturer rebates offered on new cars.

What car manufacturers are offering the best interest rates? ›

The Best Auto Loan Rates For New Cars (August 2024)
  • 0% Financing: Ford F-150, Ford Expedition, Mustang Mach-E; Mazda CX-30, CX-5, Mazda3; Kia EV9, EV6, Niro EV, Nissan Titan, Rogue; Subaru Solterra; Volkswagen ID.4.
  • 0.9% APR: Acura ZDX, GMC Terrain, Kia Sportage and Sorento, most Buick models.

How to get 0 percent APR on car loan? ›

0% APR auto loans are reserved for "well-qualified" buyers.

In most cases, "well-qualified" refers to borrowers with a credit score of 740 or higher. If a borrower isn't in this credit bracket and applies for the 0% APR offer, they could be taking a hit on their credit score that could have been avoided.

What SUV has the lowest interest rate? ›

Best SUV Financing Deals:
  • 2024 Kia Sportage: 0.9% financing.
  • 2024 Hyundai Tucson: 1.99% financing.
  • 2025 Honda CR‑V: 2.9% financing.
  • 2024 Subaru Crosstrek: 2.9% financing.
  • 2024 Hyundai Santa Fe: 2.99% financing.
  • 2024 Hyundai Palisade: 3.49% financing.
  • 2024 Kia Telluride: 4.75% financing.
  • 2024 Toyota RAV4: 4.99% financing.

What credit score do you need for 0% APR? ›

You'll typically need good or excellent credit (a score of at least 690 on the FICO scale) to qualify for most 0% APR credit cards. The ongoing interest rate, which is charged once a card's promotional period ends, will also depend on your creditworthiness.

Why is 0 APR not good for your credit? ›

A 0% APR is not good for your credit if you overspend, as high credit utilization and missed payments hurt your credit score. If you end up carrying a balance from month to month after the 0% period ends, you will also owe expensive interest charges, making it hard to pay your bills on time and build credit.

What is the cheapest month to buy a new car? ›

FAQs. Is December a good time to buy a car? Yes. According to Edmunds transaction data, December has traditionally had the highest discounts from the manufacturer's suggested retail price (MSRP) for both new and used cars.

What is the interest rate on a car loan in 2024? ›

The average auto loan interest rate in the first quarter of 2024 was 6.73% for new vehicles and 11.91% for used vehicles, according to Experian. However, the rate you receive on a car loan will depend on your credit scores.

Which bank has the lowest car loan interest rate? ›

I... Top Banks like Canara Bank, HDFC Bank, ICICI Bank, Punjab National Bank, and State Bank of India are providing the cheapest car loans. Canara Bank interest rates range from 8.80 percent to 11.95 percent. HDFC Bank car loans start from 8.75 percent.

Who has the lowest auto loan rates? ›

Compare Car Loan Rates
Top Auto Loan LenderLowest APRTerm Length
Consumers Credit Union5.99%Up to 84 months
Auto Credit ExpressVariesVaries
iLending5.49%Varies
Gravity Lending4.99%**36 to 84 months
3 more rows
Aug 6, 2024

What is a good APR for a car? ›

Generally, a good APR for a car loan might look something like this: Excellent Credit (750+): 3% or lower for new cars, 4% or lower for used cars. Good Credit (700-749): 4-5% for new cars, 5-6% for used cars. Fair Credit (650-699): 6-7% for new cars, 7-8% for used cars.

Do 0% APR loans exist? ›

In some cases, no-interest loans have introductory offers that provide 0% APR for a set period. You may find this type of financing on auto loans from a dealer, but you typically need a good credit score to qualify.

What is the #1 best SUV for the money? ›

Best SUVs for the Money
  • 2025 Chevrolet Trax. Compare Model. Positives. Low starting price. ...
  • 2024 Hyundai Venue. Compare Model. Positives. Good fuel economy. ...
  • 2025 Buick Envista. Compare Model. Positives. ...
  • 2025 Hyundai Kona. Compare Model. Combined Mileage: 26 - 31 mpg. ...
  • 2024 Toyota Corolla Cross. Compare Model. Positives.

What is a good down payment on a SUV? ›

It's good practice to make a down payment of at least 20% on a new car (10% for used). A larger down payment can also help you nab a better interest rate. But how much a down payment should be for a car isn't black and white. If you can't afford 10% or 20%, the best down payment is the one you can afford.

What is the most reliable and cost-effective SUV? ›

The Hyundai Venue is an affordable small SUV with the lowest ownership costs and the best warranty in its class.

Is there a downside to 0 financing? ›

Avoiding interest is always a good goal, but zero-interest loans can lead buyers to overspend and come with a lot of strings attached. Carefully evaluate your purchase—is this what you intended to buy, and will you realistically pay off the loan within the given time?

Should you take advantage of 0% APR? ›

If you're disciplined to make on-time payments and pay off your balance before the intro period ends, then you will likely do well with a 0% APR credit card. However, if the 0% tempts you to overspend, you may face paying high interest charges if you're still carrying a balance after the intro period.

What is the catch with 0 interest? ›

Why 0% interest offers often catch people out. If you lack discipline with money, you could end up paying high interest rates on your debt once the 0% interest offer ends. Because when the promotional period ends, you're subject to the credit card's standard interest rate on your entire remaining balance.

Is 0% interest rate bad? ›

You must be careful to avoid getting wrapped up in the thrill of 0% deals. Although the interest costs are listed as zero, the true numbers are built into the price of the loan. Unless you're aware of this before signing on the dotted line, you may be signing into a less than stellar deal.

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