finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Matt Corke is Finder's head of publishing for rest of world and New Zealand. If you don’t qualify for a zero interest car loan, research banks and private lenders to see if they can offer you a regular car loan with terms that are more suited to your financial situation. If you have liked working with a particular dealership in the past or have a specific carmaker in mind, you might want to start your search there. Data is a real-time snapshot *Data is delayed at least 15 minutes. This process can take some time, but it's essential to help you get a car loan that fits your budget and maximizes your savings. Compare that with the benefit of having cash on your hands now – will you apply the cash to the price of the car and decrease your interest payments, or will you use the cash for something else entirely? Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. By offering a 0% car loan, they can get rid of the cars that have been in the lot too long and make a profit at the same time — even without charging interest on the loan. Can I Opt Out of Preapproved Credit Offers? If you’re offered a zero interest car loan for a used car, be sure to read all of the fine print to see if there are any extra costs or fees to make up for the lack of interest being charged. Before signing the dotted line and driving off the lot, there are some things you need to know about taking a 0% car loan. Experian Boost helps by giving you credit for the utility and mobile phone bills you're already paying. This type of dealership-offered loan is generally a sales tactic simply to sell more vehicles. If the car isn’t the right fit for you, keep shopping so you don’t make a purchase that you’ll later regret. Personal Loans: What to Know Before You Apply. That depends on the lender. Have below-average credit? You can get a free report once a year from each agency at AnnualCreditReport.com. Consumer Finances Then and Now: The Great Recession vs. 2020, Derogatory Marks in Credit Reports Slow Amid Pandemic, Best Credit Cards for Black Friday Shopping. Global Business and Financial News, Stock Quotes, and Market Data and Analysis. The new programs come as many expect the COVID-19 pandemic to significantly impact U.S. auto sales. *For complete information, see the offer terms and conditions on the issuer or partner's website. The most common place to find 0% financing is through a dealership — banks and online lenders generally aren’t as worried about moving cars out of the lot at a fast rate. We may also receive compensation if you click on certain links posted on our site. How Debt Consolidation Affects Credit Score. Car dealers usually offer 0% financing on new cars only, and you typically need to have a very strong credit history to qualify for such an offer. One reason is to get potential buyers in the door. New credit score takes effect immediately, Get credit for utility bills you're already paying. We may receive compensation from our partners for placement of their products or services.

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