Buying a car is exciting, but finding the right financing can make a big difference in your monthly budget. Interest rates have been pretty high, but that doesn’t mean you have to settle for high payments. Automakers and lenders are still offering attractive financing deals that could help you save money. Knowing where to look and how to time your purchase can lead to significant savings.

Car Loan Rates in 2025

Despite all of the high rates we’re seeing these days, you can still find 0% financing deals. Manufacturers use these incentives, and if used correctly you could save big. You can compare rates from different lenders and types of loans.

How to Get 0% APR

Many automakers have 0% APR financing offers. These deals can pop up whenever but often people see these deals during the second to fifth of each month. Zero percent financing is a common tool to move older inventory. You could also find low APR offers on newer models, signaling shifts in demand.

Affordable Car Loan Rates Available This Year

The following is for informational purposes only, reflecting deals from a specific month. Check with each automaker’s website or local dealerships for current offers and loan terms. However, you may be able to find a lot of options, like these:

• Acura: 0% APR for 72 months – ZDX (electric)
• BMW: 1.99% APR for 48 months – X1, X5, X7 or 2.99% APR for up to 60 months – 2-Series, i4, i5, i7, iX
• Buick: 0.9% APR for 36 months – Envision, Encore GX, Enclave
• Cadillac: 2.9% APR for 60 months – Lyriq or 3.9% APR for 36 months – XT4, XT5, XT6, CT4, CT5
• Chevrolet: 0% APR for 60 months – Equinox EV, Blazer EV, Silverado EV, 1.9% APR for 36 months – Blazer, Colorado, Malibu, or 2.9% APR for 72 months – Silverado 1500 TurboMax
• Dodge: 0% APR for 72 months – Hornet eAWD
• Ford: 0% APR for 72 months – Mustang Mach-E, F-150 Lightning or 3.9% APR for 60 months – F-150
• GMC: 0% APR for 60 months – Hummer EV, Sierra EV, 0% APR for 36 months – Sierra 1500, or 0.9% APR for 36 months – Terrain
• Honda: 0% APR for 72 months – Prologue, 0.9% APR for 36 months – Passport, or 1.9% APR for 60 months – CR-V, Accord, Odyssey
• Hyundai: 2.99% APR for 72 months – Tucson, Santa Fe, Elantra or 3.99% APR for 60 months – Palisade
• Jeep: 0% APR for 72 months – 2024 Grand Cherokee 4xe, 0% APR for 36 months – Wrangler, Gladiator, or 20% off MSRP on select models
• Kia: 0% APR for 72 months – EV6, EV9
• Lexus: 2.49% APR for 48 months – RX, IS
• Mazda: 0.9% APR for 36 months – Available across several models

You can also check out local credit unions. Many times, they will have the lowest rates that can beat national banks. Be sure to look at their checking accounts and savings accounts, as bundled deals can occur.

Tips for Securing the Best Auto Loan Rates

Negotiating great financing really changes things and influences your monthly payments and overall cost. Knowing tactics is very useful and helps manage your car-buying journey. Here are some key strategies you can use for better financing terms.

Using Manufacturer Incentives

Automakers provide 0% financing incentives on some of their models. Keeping tabs and being proactive can open opportunities for these deals. Make sure to pay attention to the model year of vehicles as well.

Leveraging Personal Finances and Credit Score for Improved Loan Terms

A critical tool in getting better loan rates is managing your finances well. Lenders really pay attention to how you handle finances. A strong credit history greatly influences loan approvals and interest rates.

Before you approach dealers, review your own credit score. Addressing any errors helps ensure the score best represents your creditworthiness. Having a good auto loan report works in your favor and could save you on auto insurance.

Checking your credit report can alert you to any discrepancies. Errors on your report can negatively impact your ability to secure a favorable rate.

Regional Variations and Timing

The availability and terms for auto loans vary based on location and time factors. Loan conditions aren’t uniform all over. Some areas show great APRs on certain models that differ significantly from other regions.

Staying on top of current incentives by watching local offers can help you pinpoint deals. It can also greatly boost your savings. Some promotions change all throughout the month.

Adapting to Monthly Changes in Automaker Offers

The best way to catch manufacturer deals and rate adjustments is to leverage market dynamics as well as seasonal incentives. Automakers generally reset deals by the fifth business day each month. To move previous-year models, they will often roll out deals on current-year models.

Conclusion

Finding the right car loan doesn’t have to be stressful. By keeping an eye on manufacturer incentives and improving your credit score, you can secure better terms. Comparing offers and staying informed about market changes will help you make a smart decision and save money in the long run!