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You must demonstrate a stable income and a low debt-to-income (DTI) ratio to prove you can handle the payments.

Zero-percent financing is typically reserved for "Super Prime" borrowers who meet strict criteria. Most lenders require a score of 740 to 800+ . buy car 0 interest

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 You must demonstrate a stable income and a