Best 0% APR Financing Deals in September 2023

Like relic hunters looking to uncover hidden treasures, bargain hunters are finding 0% new-vehicle financing incentives to be both valuable and increasingly rare, with the latter largely resulting from the Federal Reserve Board’s recent rate hikes made to curtail inflation.

We could only unearth a handful of such offers being made this money by automakers’ financing divisions, with most coming from Nissan. Slightly higher rates in the 1.9%-3.9% range are far more plentiful, with some, including the Honda Ridgeline pickup, Mazda MX-5 Miata roadster and electric vehicles like the Subaru Solterra and Kia EV 6 being offered with 0.9% financing.

As always the lowest available car loan rates, regardless of the source, are typically restricted to those who meet minimum income requirements and have stellar credit histories. Automakers’ incentives also tend to vary by region, so check car companies’ websites or call local dealers to learn what’s being offered where you live.

One of the consistently popular choices among compact crossover SUVs, the Nissan Rogue is a real deal when offered with 0% financing. The Rogue is an easygoing performer that comes standard with many driver-assistance features, and it can be equipped with the automaker’s ProPilot Assist semi-autonomous highway driving system.

The only available engine is a fuel-efficient 201-horsepower 1.5-liter three-cylinder that’s paired with a continuously variable automatic transmission.

The offer extends through October 2 and like the other deals presented here is restricted to qualifying buyers having top credit ratings.

Once potential buyers signed up for waiting lists and paid in excess of the posted sticker price to be among the first to drive the full-electric Ford Mustang Mach-E SUV. Today it’s being offered with 0% loans for up to five years and $5,000 cash in hand to help move the metal.

The fun-to-drive Mach-E is not cheap, but it’s one of the few electric cars sold in the U.S. that remains eligible for a one-time federal tax credit ($3,750) for qualifying EV buyers, and takes another $3K off in rebate money.

The standard powertrain generates 266 horsepower, with the quicker GT trim producing a generous 480 horses; its battery pack affords 224-314 miles per charge, depending on the trim. Act fast because Ford says this offer is only good through September 14, though it could possibly be extended from there.

Though its far outsold by its domestic-brand rivals, the full-size Nissan Titan pickup truck is worth considering for its ruggedly purposeful styling in extended and four-door Crew Cab configurations.

The Titan’s only available engine is a 5.6-liter V8 with 400 horsepower and 413 pound-feet of torque. It’s mated to a nine-speed automatic transmission and is available with rear- or four-wheel drive. The Titan can tow up to 11,033 pounds when properly equipped.

It rides and handles well, and comes with a long list of features that includes Nissan’s Zero Gravity front seats that can be one’s bottom’s best pal over long road trips. This deal includes the heavy-duty Titan XD models and lasts through October 2 for well-qualified buyers.

The midsize Nissan Altima sedan remains a stalwart performer in an incredibly shrinking fleet of passenger cars. Its roomy cabin is fitted with comfortable “zero gravity” seats the automaker developed with NASA, and the car can be equipped with a semi-autonomous highway driving system. The Altima comes powered by either of two turbo-four engines with 188- or a livelier 236 horsepower, with front-wheel drive standard and all-wheel drive optional.

Of note, the automaker is already extending Altima’s 0.0% loan deal to 2024 models just reaching dealerships. The cut-rate financing offer expires on October 2; give your local Nissan store a call to see if it’s being offered where you reside, and whether you’ll qualify for the offer.

New-vehicle buyers of all interest and income levels should begin the shopping process by consulting our extensive reviews and rankings to discern detailed information on most makes and models sold in the U.S. Our best new car deals section tracks automakers’ incentive programs, including low-rate loans, cash rebates and promotional lease offers updated monthly.

Those looking to make the purchasing process stress-free and save money in the process should take advantage of the U.S. News Best Price Program, where shoppers can quickly obtain low pre-negotiated prices from participating local auto dealers.