April 2026 has more 0% APR programs than any month this year. Thirty-four models across 13 brands are at zero for 36 months or longer. Three EVs go to 72 months at zero. Several of those deals come with national manufacturer cash you can stack on top. A few of them are structured to look bigger than they are.
This covers 262 models from 32 brands. Cash figures exclude regional EV charger credits — those vary by state and utility provider. All interest savings are calculated against the April 2026 national average new car loan rate of 6.9%.
34
Models at 0% APR
36 months or longer
72mo
Longest 0% term
Toyota bZ, IONIQ 5/9, Lexus RZ
$7,500
Largest lender cash
BMW i7 at 0.9% — requires BMW FS
3
Deal structures to avoid
Tiered rebates, short-term 0%, APR credits
How we rank these
A 0% APR for 12 months on a $45,000 car is a $3,750/month payment. Nobody uses it. We require 36 months minimum for a zero-rate deal to count here.
Two numbers drive the ranking: interest eliminated versus the 6.9% market rate, and national manufacturer cash that stacks with that rate. Cash that requires a specific state, utility company, or regional program is excluded — your zip code may not qualify.
APR credit vs. cash — not the same thing
An "APR Credit" in a manufacturer program sheet is money the lender uses to buy down your rate. If you finance through the captive lender, you get the rate. If you use an outside bank, you often lose the credit — it doesn't convert to cash. BMW's $7,500 on the i7 is an APR Credit tied to BMW Financial Services. Before you walk in with a credit union pre-approval, ask what cash survives if you don't use the captive lender.
EVs at 0% APR
With federal EV tax credits gone for most buyers, manufacturers are subsidizing EVs through the finance rate instead. The result is 0% for up to 72 months on several models, with national lender cash on top of the rate for Toyota, Hyundai, and Lexus.
| Model | 0% through | National cash | Base MSRP | Interest saved* |
|---|---|---|---|---|
| Toyota bZ4X | 72mo | $3,500 | $34,900 | $7,800 |
| Toyota bZ Woodland | 72mo | $3,500 | $45,300 | $10,200 |
| Toyota C-HR EV | 72mo | $3,500 | $37,000 | $8,300 |
| Hyundai IONIQ 5 | 72mo | $3,000 | $35,000 | $7,800 |
| Hyundai IONIQ 9 | 72mo | $3,000 | $58,955 | $13,200 |
| Lexus RZ | 72mo | $5,000 | $46,000 | $10,300 |
| Chevrolet Equinox EV | 60mo | $4,000† | $35,100 | $6,500 |
| Kia EV9 | 60mo | None | $54,900 | $10,200 |
| Kia Niro EV | 72mo | None | $39,700 | $8,900 |
| Genesis GV60 | 60mo | None | $52,525 | $9,700 |
| Genesis Electrified GV70 | 60mo | None | $64,380 | $11,900 |
*Interest eliminated vs. 6.9% national average for same term and MSRP. Excludes regional EV charger credits (State EV Charger, Third Party EV Charger). †Equinox EV's $4,000 "Early Lease Termination Offer" requires an active Chevrolet lease.
Toyota bZ4X, bZ Woodland, C-HR EV
Toyota Financial Services is at 0% for 36, 48, 60, and 72 months on all three EVs. The $3,500 Lender Offer is national and stacks with the rate — you get both. On a $34,900 bZ4X at 72 months, that's $7,800 in interest eliminated plus $3,500 cash: a total swing of $11,300 versus financing at market rates with no incentives. Programs expire May 1, 2026.
Hyundai IONIQ 5 and IONIQ 9
Hyundai Motor Finance is at 0% through 72 months on both EVs. The $3,000 Lender Offer stacks. The IONIQ 9 at $58,955 MSRP eliminates roughly $13,600 in interest over 72 months before the cash. The IONIQ 5 is a similar structure at a lower price point.
Lexus RZ
0% through 72 months with a $5,000 national Lender Offer that stacks. At $46,000 MSRP, interest eliminated over 72 months is $10,600. Combined with $5,000 cash, the total advantage versus market financing is $15,300. This is the best national cash-plus-rate combination in the dataset.
Kia EV9 and Niro EV
Both are at 0% — EV9 through 60 months, Niro EV through 72 months. There's no national cash on either. The deal is the rate alone, which is still meaningful: $10,500 in interest saved on the EV9 at 60 months, $9,200 on the Niro EV at 72.
Genesis GV60 and Electrified GV70
Both are at 0% through 60 months with no national cash. Interest saved on the GV60 at 60 months: $10,000. On the E-GV70: $12,300. Genesis Finance is not offering the 72-month zero window that Toyota and Hyundai have, so if you need the longer term, the per-month cost difference matters.
Equinox EV: the $4,000 is conditional
The Equinox EV's 0% APR through 60 months is real and open to any buyer. The $4,000 "Early Lease Termination Offer" requires an active Chevrolet lease. If you don't currently lease a Chevy, there's no national cash on this deal — just the rate.
Mainstream SUVs and CUVs
| Model | 0% through | National cash | Base MSRP | Rate after 0% |
|---|---|---|---|---|
| Nissan Rogue | 60mo | $2,000 | $29,090 | 3.9%/72mo |
| Nissan Murano | 60mo | $2,000 | $41,670 | 3.9%/72mo |
| Nissan Pathfinder | 60mo | $2,000 | $37,500 | 3.9%/72mo |
| Kia Sportage | 48mo | None | $28,790 | 0.9%/60mo |
| Kia Sportage Hybrid | 48mo | None | $30,490 | 0.9%/60mo |
| Kia Sorento | 48mo | None | $32,390 | 0.9%/60mo |
| Kia Sorento Hybrid | 48mo | None | $38,890 | 0.9%/60mo |
| Hyundai Tucson | 60mo | None | $29,450 | — |
| VW Tiguan | Not available | None | $30,805 | 0.9%/60mo |
| VW Atlas | 60mo | None | $39,310 | — |
Nissan Rogue, Murano, Pathfinder
NMAC is at 0% from 12 through 60 months with a $2,000 Lender Offer that stacks on all three. On the Rogue at $29,090, that's $5,400 in interest eliminated over 60 months plus $2,000 cash. Stay at 60 months — Nissan jumps to 3.9% at 72, which adds roughly $2,900 in interest on the Rogue versus staying at 60.
Kia Sportage and Sorento
Kia Finance America runs 0% at 36 and 48 months, then 0.9% at 60 months. No national cash on the gas trims. The Sportage at $28,790 and Sorento at $32,390 are straightforward programs — no catches, just limited terms.
Hyundai Tucson
0% through 60 months, no national cash, no gimmick. A $29,450 Tucson at 0% for 60 months saves $5,400 versus market rate financing with no incentives.
VW Tiguan and Atlas
The Atlas is at 0% through 60 months. The Tiguan isn't — best rate is 0.9% for 60 months. No national cash on either. There was a $1,000 Lender Offer on both models last month; it's gone in April.
Trucks and vans
Ram 1500
0% for 36 months through Chrysler Capital with $4,500 in national cash ($3,500 Customer Cash + $1,000 Lender Offer), both confirmed stackable. At $42,025 MSRP, interest eliminated over 36 months is $4,600. Total advantage versus market rate with no incentives: $9,100. After 36 months, the rate goes to 6.9% at 72 — don't stretch this loan.
Chrysler Pacifica
0% for 36 months with $4,500 in national cash ($3,500 + $1,000 Customer Cash). At $44,445 MSRP, interest eliminated is $4,900. Total advantage: $9,400. Same rate structure applies to the Pacifica Hybrid.
GMC Sierra 1500: read the trade-in terms
The Sierra runs 0% for 36 months. The incentive stack has two tiers: Trade Assistance Program ($2,500 / $3,000 / $3,500) and Bonus Cash ($500 / $1,500 / $1,750). Each group is mutually exclusive — you get one tier from each, based on your specific vehicle and whether you have a qualifying trade. Maximum possible is $5,250 ($3,500 + $1,750). A buyer with no trade qualifies for Bonus Cash only: $500–$1,750. Confirm the exact dollar amount that applies to your VIN before negotiating.
Luxury and premium
| Model | Best rate | Term | National cash | Base MSRP |
|---|---|---|---|---|
| BMW i7 | 0.9% | 60mo | $7,500* | $105,700 |
| BMW 7 Series | 0.9% | 60mo | $2,000 | $99,300 |
| BMW 5 Series | 1.99% | 60mo | $1,000 | $60,500 |
| BMW X5 | 1.99% | 60mo | $1,000 | $68,300 |
| BMW X1 | 1.99% | 72mo | None | $43,200 |
| BMW X3 | 1.99% | 72mo | None | $51,300 |
| BMW X7 | 1.99% | 72mo | None | $87,500 |
| Lincoln Aviator | 0% | 48mo | None | $56,910 |
| Lincoln Corsair | 0% | 50mo | None | $39,985 |
| Lincoln Nautilus | 0% | 50mo | $1,000 | $53,995 |
| Lexus RZ | 0% | 72mo | $5,000 | $46,000 |
| Genesis E-GV70 | 0% | 60mo | None | $64,380 |
| Genesis GV60 | 0% | 60mo | None | $52,525 |
| Land Rover Discovery | 0% | 60mo | None | $60,200 |
| Infiniti QX60 | 0% (36mo only) | 1.9%/60mo | None | $51,590 |
| Infiniti QX80 | 0% (36mo only) | 1.9%/60mo | None | $83,750 |
*BMW i7: $7,500 is an APR Credit tied to BMW Financial Services. Use outside financing and you forfeit it. BMW 5/X5 cash confirmed stackable with rate.
BMW i7
0.9% APR for 60 months with a $7,500 APR Credit that requires BMW Financial Services. At $105,700 MSRP, financing at 6.9% for 60 months costs about $19,600 in interest. At 0.9%, that drops to $2,400. Interest saved: $17,200. Add $7,500 and the gap versus market financing with no incentives is $24,700 — the largest absolute advantage in the dataset. Lose BMW FS and you keep $0 of that cash.
BMW lineup
Every BMW model is at 1.99% or lower this month. The 5 Series and X5 have $1,000 in national cash confirmed stackable with the rate. The X1, X3, and X7 have no national cash but the rate is still 1.99% for 60–72 months — well below what Mercedes-Benz (3.4% best) or Audi (3.99% best) are offering.
Lincoln Nautilus, Corsair, Aviator
Ford Motor Credit is running 0% on all three Lincolns through 36, 38, 48, and 50 months. The Nautilus adds $1,000 in national cash. The Aviator at $56,910 eliminates $8,400 in interest at 48 months versus market rate.
Infiniti QX60 and QX80
Both models are at 0% for 36 months. The program also shows 0% at 12 and 24 months, which are not practical terms on a $50,000+ vehicle. The 36-month window is real. At 60 months, Infiniti moves to 1.9%.
Three deal structures to watch for
Tiered rebates summed as if they stack
The Jeep Wrangler program has 14 Select Inventory Offer tiers from $1,000 to $7,000 plus a $1,000 Customer Cash. Data systems sometimes sum all tiers to produce a headline number. They don't stack — your VIN qualifies for one tier. The maximum a single buyer can receive is $8,000 ($7,000 top Select Inventory tier + $1,000 Customer Cash), and that requires the specific inventory unit that qualifies for the $7,000 tier. Most buyers will see $2,000–$5,000.
GMC Sierra has the same structure: Trade Assistance Program tiers ($2,500 / $3,000 / $3,500) plus Bonus Cash tiers ($500 / $1,500 / $1,750). Maximum is $5,250 with a qualifying trade. Without a trade, Bonus Cash only: $500–$1,750. Ask for the specific program code and amount that applies to the exact VIN before you negotiate.
0% at impractical terms
Infiniti advertises 0% APR on the QX60 and QX80. The rate is available starting at 12 months. A 12-month loan on a $51,590 QX60 is $4,299/month. This gets used in marketing but not by buyers. The 36-month term at 0% is where it becomes useful: $1,433/month on the QX60.
Hyundai also shows 0% starting at 24 months on the IONIQ 5 and 9, and the Tucson. At 24 months the payments are high but the rate is real. The deal only makes financial sense at 36 months or longer.
APR credits that require the captive lender
For any deal where the "cash" is labeled as an APR Credit or Lender Offer [Finance], verify whether it survives outside financing. BMW's $7,500 on the i7 does not — it's a buydown cost that only applies when BMW Financial Services holds the loan. The Toyota $3,500 Lender Offer is different: it's confirmed stackable with the 0% rate, and Toyota's program sheets show it as cash toward the purchase.
For any non-zero APR deal, the F&I manager can also mark up the buy rate above what the manufacturer publishes. A BMW 5 Series at 1.99% APR is the captive buy rate — the dealer can charge 2.99% or higher. The rates in this article are the published buy rates. A quote above those numbers is dealer markup.
All brands — April 2026 best rate
| Brand | Best APR | Model | Notes |
|---|---|---|---|
| BMW | 0.9% | i7 / 7 Series | $7,500 APR credit on i7 (BMW FS only); sub-2% on every model |
| Buick | 0.9% | Encore GX / Envision / Envista | 0.9%/36mo; limited terms |
| Chevrolet | 0% (EV) | Equinox EV | 0%/60mo; $4k cash requires active Chevy lease |
| Chrysler | 0% | Pacifica | 0%/36mo + $4,500 national cash |
| Ford | 1.9% | Explorer | 1.9%/36mo + $6,000 cash; rate jumps after 36mo |
| Genesis | 0% | GV60 / E-GV70 | 0%/60mo; no national cash |
| GMC | 0% | Sierra 1500 | 0%/36mo; max $5,250 requires qualifying trade |
| Honda | 0.99% | Prologue EV | 0.99%/60mo on Prologue; CR-V at 2.99% |
| Hyundai | 0% | IONIQ 5 / 9 | 0%/72mo + $3,000 national cash; Tucson 0%/60mo |
| Infiniti | 0% | QX60 / QX80 | 0%/36mo; ignore 12–24mo terms |
| Jeep | 0% | Wrangler / GC | 0%/36mo; Wrangler rebates tiered, not additive |
| Kia | 0% | Sportage / Sorento / EV9 | 0%/36–60mo across 6 models; no national cash on gas trims |
| Land Rover | 0% | Discovery | 0%/60mo; no national cash |
| Lexus | 0% | RZ EV | 0%/72mo + $5,000 national cash |
| Lincoln | 0% | Nautilus / Corsair / Aviator | 0% on all three; Nautilus + $1,000 |
| Mazda | 0.9% | CX-50 / CX-70 / CX-90 | 0.9%/63mo; no national cash |
| MINI | 0.9% | Countryman | 0.9%/60mo |
| Nissan | 0% | Rogue / Murano / Pathfinder | 0%/60mo + $2,000 national cash on all three |
| Ram | 0% | 1500 | 0%/36mo + $4,500 national cash |
| Toyota | 0% | bZ / C-HR EV / bZ Woodland | 0%/72mo + $3,500 national cash |
| Volkswagen | 0% | Atlas | Atlas 0%/60mo; Tiguan 0.9%/60mo; no national cash |
| Volvo | 1.99% | Full lineup | 1.99%/60mo across all models; no national cash |
| Acura | 2.99% | MDX / RDX | No 0% programs in April |
| Mercedes-Benz | 3.4% | — | Best rate in lineup this month |
| Audi | 3.99% | — | Best rate in lineup this month |
| Subaru | — | — | No promotional APR programs |
| Porsche | — | — | No promotional APR programs |
| Mitsubishi | — | — | No promotional APR programs |
Verify your finance quote
The rates in this article are published buy rates from April 2026 manufacturer program sheets. If your quote shows a higher rate on any of these models, the difference is dealer markup. Upload your quote and QuoteDefender will flag the gap.
Data: Finance rates and incentives collected from manufacturer program sheets on 2026-04-06. All programs expire 2026-05-01 unless noted. Cash figures exclude State EV Charger and Third Party EV Charger credits — these are regional and vary by state and utility provider. Interest savings calculated at 6.9% national average new car loan rate versus the promotional APR, at MSRP, for the stated term. Actual savings vary with negotiated price, taxes, and creditworthiness. Tier 1 credit required for promotional APR programs. APR Credits labeled "[Finance] [APR Credit]" may be forfeited with outside financing — confirm before committing to a lender.
