Best Finance Deals April 2026: 0% APR Rankings, Stackable Cash & Traps to Skip

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%.

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.

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.

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.

Mainstream SUVs and CUVs

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.

Luxury and premium

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

All brands — April 2026 best rate