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These deals are almost exclusively offered by captive finance companies (the automaker's own lending arm, such as Toyota Financial Services) rather than traditional banks or credit unions. 2. Current 0% APR Deals (April 2026) What to Know About 0% Dealer Financing

Here are a few details you'll want to be aware of when taking a closer look at offers from dealers. * Credit score qualifications. Navy Federal Credit Union buy car 0 interest

You must demonstrate a stable income and a low debt-to-income (DTI) ratio to prove you can handle the payments. These deals are almost exclusively offered by captive