0% Financing Offers on Cars in Ontario (May 2026)

Explore the latest 0% interest offers in Ontario from popular car brands.

Tim Falk's headshot

By

Tim Falk

Edited by

Leanne Escobal

Updated

Fact checked
0% tire

Start comparing

If you’re shopping around for a new car, there are several manufacturers offering 0% interest car deals in Ontario. 0% financing sounds like a great offer (and sometimes it is), but there are also a few traps to avoid before you commit to this type of loan.

This guide highlights current 0% APR car offers in Ontario from major car brands and shares tips on how to ensure you’re getting a good deal.

Loans Canada logo

0% financing with Loans Canada

Access financing from 60+ lenders across Canada through one application. Borrow $3,000 - $50,000 with rates starting at 0% APR for new cars.
Go to site

Where can I get 0% financing in Ontario?

0% interest deals are available this month, with offers from brands like Chevrolet, Volkswagen and Cadillac.

Using loan search platforms such as Loans Canada or CarsFast can make finding a 0% offer easier. Partnered with extensive dealership networks, they let you apply once and get connected to multiple offers, making it simple to compare and secure the best rate for your situation.

0% financing on cars in Ontario for May 2026

Check out the table below for details on the lowest car loan rates available in Ontario, starting at 0%.

BrandStarting APRTermModel
Ram0%Up to 72 Months2026 Ram 1500 Big Horn Crew Cab 4×4
Ram0%Up to 72 Months2026 Ram 2500 Power Wagon Crew Cab 4×4
Buick0%72 Months2026 Envision
Buick0%36 Months2026 Encore GX
Buick0%36 Months2026 Envista
Chevrolet0%72 Months2026 Silverado 1500
Chevrolet0%36 Months2026 Silverado HD
Chevrolet0%36 Months2026 Trax
Chevrolet0%36 Months2026 Trailblazer
Chevrolet0%36 Months2026 Equinox
GMC0%36 Months2026 Terrain
GMC0%72 Months2026 Sierra 1500
Volkswagen0%24 Months2026 Tiguan Trendline
Volkswagen0%24 Months2026 Atlas Cross Sport Comfortline
Volkswagen0%24 Months2026 Atlas Comfortline
Volkswagen0%60 Months2025 ID.4
Volkswagen0%60 Months2025 ID.Buzz 1st Edition
Cadillac0%84 Months2026 VISTIQ
Cadillac0%84 Months2026 OPTIQ
Cadillac0%84 Months2026 LYRIQ
Cadillac0%84 Months2026 LYRIQ-V
Cadillac0%84 Months2026 XT5
Cadillac0%84 Months2026 CT4
Cadillac0%84 Months2026 CT5
Nissan0%36 Months2026 Rogue S
Nissan0%60 Months2026 Rogue PLATINUM
Nissan0%36 Months2026 Kicks S
Ford0.99%84 Months2026 F-150
Subaru0.99%24 Months2026 Uncharted
Subaru0.99%24 Months2026 Solterra AWD
Subaru0.99%24 Months2026 Trailseeker
Subaru0.99%24 Months2026 Impreza
Subaru0.99%24 Months2026 Uncharted
Subaru0.99%24 Months2026 Solterra AWD
Subaru0.99%24 Months2026 Trailseeker
Subaru0.99%24 Months2026 Impreza
Ford1.49%84 Months2026 Bronco Sport
Ford1.49%84 Months2026 Escape
Subaru1.49%24 Months2026 Crosstrek
Subaru1.49%24 Months2026 Crosstrek
Nissan1.90%84 Months2026 LEAF S PLUS
Audi1.98%Up to 60 Months2026 SQ5 TFSI quattro
Audi1.98%Up to 60 Months2026 SQ5 Sportback TFSI quattro Progressiv
Audi1.98%Up to 60 Months2026 all-new A6 45 TFSI quattro Progressiv
Audi1.98%Up to 60 Months2027 Q6 e-tron quattro
Audi1.98%Up to 60 Months2027 Q6 Sportback e-tron quattro Progressiv
Audi1.98%Up to 60 Months2027 SQ6 e-tron quattro Progressiv
Audi1.98%Up to 60 Months2027 SQ6 Sportback e-tron quattro Progressiv
Audi1.98%Up to 60 Months2027 A6 e-tron quattro
Audi1.98%Up to 60 Months2027 S6 e-tron quattro
GMC1.99%60 Months2026 Hummer EV SUV
Volkswagen1.99%60 Months2026 Jetta GLI
Subaru1.99%24 Months2026 Forester
Subaru1.99%24 Months2026 Forester

Offers last verified on May 1, 2026 and expire on June 1, 2026 (where an expiration date is disclosed). Offers are based on approved credit, vary by region and may have other conditions, such as down payment requirements.

Compare alternatives

3 of 5 results
Finder Score APR Range Loan Amount Loan Term Requirements Broker Compliance
Finder score
8.8 Great
3.90% - 29.90%
$500 - $75,000
12 - 96 months
Requirements: Min. income of $2,000 /month, 3+ months employed
CarsFast will connect you with a dealership near you to help you find the right financing.
Go to siteView details
Compare product selection
Finder score
9 Excellent
0% - 35.00%
$3,000 - $50,000
3-60 months
Requirements: Min. income of $1,800 /month, 3+ months employed
Loans Canada is a loan search platform. Get matched with a suitable dealer based on your credit history and borrowing requirements.
Go to siteView details
Compare product selection
Finder score
9 Excellent
0% - 35.00%
$5,000 - $75,000
12 - 96 months
Requirements: Min. income of $1,800 /month, 3+ months employed
My Auto Approval is a loan search platform. Get matched with a suitable dealer based on your credit history and borrowing requirements.
Go to siteView details
Compare product selection
loading
Showing 3 of 5 results

Finder Score for car loans

To make comparing even easier, we came up with the Finder Score. Interest rates, fees and features across 20+ car loans are all weighted and scaled to produce a score out of 10. The higher the score the better the loan—simple.

Read the full methodology

Need a car loan?

Ontario has a variety of car loan options

Let's go

Do financing deals in Ontario vary by dealership location?

Sometimes. Some car dealerships may offer incentives that are unique to their dealership and are not available elsewhere. Alternatively, offers can vary between provinces; so while 0% financing may be available on a specific make and model in Alberta, the same deal may not be available in Ontario.

But manufacturers will also offer financing deals that are available at all dealership locations, with some offers provided nationwide.

When browsing current financing deals on a manufacturer’s website, make sure you enter your postal code or select Ontario as your province. This will allow you to see the best 0% financing cars in Ontario.

Who’s offering 0% financing on trucks in Ontario?

As of May 1, 2026, here are the trucks in Ontario with 0% or low-rate financing:

  • Ram: 0%, Up to 72 Months (2026 Ram 1500 Big Horn Crew Cab 4×4)
  • Ram: 0%, Up to 72 Months (2026 Ram 2500 Power Wagon Crew Cab 4×4)
  • Chevrolet: 0%, 72 Months (2026 Silverado 1500)
  • Chevrolet: 0%, 36 Months (2026 Silverado HD)
  • GMC: 0%, 72 Months (2026 Sierra 1500)
  • Ford: 0.99%, 84 Months (2026 F-150)

Offers are based on approved credit.

Who’s offering 0% financing on SUVs in Ontario?

As of May 1, 2026, here are the 0% or low-rate financing offers for SUVs or crossovers in Ontario:

  • Buick: 0%, 72 Months (2026 Envision)
  • Buick: 0%, 36 Months (2026 Encore GX)
  • Buick: 0%, 36 Months (2026 Envista)
  • Chevrolet: 0%, 36 Months (2026 Trax)
  • Chevrolet: 0%, 36 Months (2026 Trailblazer)
  • Chevrolet: 0%, 36 Months (2026 Equinox)
  • GMC: 0%, 36 Months (2026 Terrain)
  • Volkswagen: 0%, 24 Months (2026 Tiguan Trendline)
  • Volkswagen: 0%, 24 Months (2026 Atlas Cross Sport Comfortline)
  • Volkswagen: 0%, 24 Months (2026 Atlas Comfortline)
  • Volkswagen: 0%, 60 Months (2025 ID.4)
  • Cadillac: 0%, 84 Months (2026 VISTIQ)
  • Cadillac: 0%, 84 Months (2026 OPTIQ)
  • Cadillac: 0%, 84 Months (2026 LYRIQ)
  • Cadillac: 0%, 84 Months (2026 LYRIQ-V)
  • Cadillac: 0%, 84 Months (2026 XT5)
  • Nissan: 0%, 36 Months (2026 Rogue S)
  • Nissan: 0%, 60 Months (2026 Rogue PLATINUM)
  • Nissan: 0%, 36 Months (2026 Kicks S)
  • Subaru: 0.99%, 24 Months (2026 Uncharted)
  • Subaru: 0.99%, 24 Months (2026 Solterra AWD)
  • Subaru: 0.99%, 24 Months (2026 Trailseeker)
  • Ford: 1.49%, 84 Months (2026 Bronco Sport)
  • Ford: 1.49%, 84 Months (2026 Escape)
  • Subaru: 1.49%, 24 Months (2026 Crosstrek)
  • Audi: 1.98%, Up to 60 months (2026 SQ5 TFSI quattro)
  • Audi: 1.98%, Up to 60 months (2026 SQ5 Sportback TFSI quattro Progressiv)
  • Audi: 1.98%, Up to 60 months (2027 Q6 e-tron quattro)
  • Audi: 1.98%, Up to 60 months (2027 Q6 Sportback e-tron quattro Progressiv)
  • Audi: 1.98%, Up to 60 months (2027 SQ6 e-tron quattro Progressiv)
  • Audi: 1.98%, Up to 60 months (2027 SQ6 Sportback e-tron quattro Progressiv)
  • GMC: 1.99%, 60 Months (2026 Hummer EV SUV)
  • Subaru: 1.99%, 24 Months (2026 Forester)

Offers are based on approved credit.

How to qualify for 0% interest car deals in Ontario

Lenders will look at several factors when determining whether you qualify for 0% financing for cars in Ontario. Here’s what you’ll need to get approved:

  • Strong credit. You’ll need good to excellent credit, typically over 700, to qualify for 0% APR car deals.
  • Steady income. Being in steady employment and earning enough income to afford your loan repayments is essential to getting approved.
  • Down payment. Some 0% financing offers come with a minimum down payment requirement.
  • Minimal debt. You’ll also need to have a low debt-to-income ratio to qualify for 0% interest car deals. Keeping your ratio well under 40% is ideal, as lenders tend to favour lower numbers.

What to watch out for

  • Being overcharged for the car. The dealer may sell the car to you at an inflated price. Make sure you check the average price of the vehicle before visiting the dealership.
  • Extra fees and charges. Check the fine print for details of any fees that may apply to your loan.
  • Limited-time offers. With some offers, 0% interest only applies for a limited period, after which time your car loan reverts to a higher interest rate.
  • Lowball trade-in offers. If they’re not going to be receiving any interest payments from you, dealers may try to make a profit by offering you a less-than-fair trade-in price for your current vehicle.
  • Inflexible loan terms. No-interest car loans often have shorter loan terms (which means larger monthly payments) and large down payment requirements.
  • Specific models only. No-interest car loans are only offered on specific models, so you may not be able to get the same low rate on the vehicle you want.
  • Balloon payment. You may need to make a large lump sum payment at the end of the loan term, which can be difficult to budget for.
  • You’ll need strong credit. You’ll need good to excellent credit to qualify for 0% APR car deals in Ontario.

Money-saving tips when buying a new car

  • Shop around before visiting the dealership. Check current car loan offers from a range of lenders before visiting the dealership. It’s also a good idea to review what prices vehicles are selling for at other local dealerships to make sure you’re getting a fair deal.
  • Get ready to negotiate. It’s the part of buying a car that some of us dread, but dealers expect a bit of back and forth when negotiating a sale. Don’t be afraid to haggle to try to secure the best possible price.
  • Save a bigger down payment. Saving a bigger down payment means borrowing less, which in turn means paying less interest if you don’t qualify for 0% financing.
  • Factor in taxes and charges. The MSRP a manufacturer lists for a vehicle is noticeably lower than the driveaway price of the vehicle. Remember to calculate the total purchase price of the vehicle when comparing financing options.
  • Be wary of dealer add-ons. From extended warranties and insurance to rust-proofing and window tinting, watch out for any unnecessary add-ons the dealer tries to sell you to inflate the purchase price. Don’t be pressured into accepting any extras you don’t want or need.
  • Look beyond the sticker price. There’s much more to the cost of owning a car than just the purchase price. Look at factors like the car’s fuel economy, how much it costs to insure and even its resale value when searching for the right model.

Are there 0% lease deals in Ontario?

Yes, it may be possible to get 0% lease deals in Ontario. However, 0% lease deals are generally much less widely available than 0% financing offers, so shopping around is key to finding the best current deals.

You’ll need a high credit score to access the lowest rates, along with a low debt-to-income ratio. Find out more about car lease deals.

Bottom line

You can get 0% financing for cars in Ontario. But financing deals change regularly and don’t apply to all vehicles, and you’ll also need good to excellent credit to qualify. Shop around to compare the latest 0% interest car deals in Ontario, and remember to check the full details of the offer to make sure you’re getting the best deal.

Frequently asked questions

Sources

Leanne Escobal's headshot
To make sure you get accurate and helpful information, this guide has been edited by Leanne Escobal as part of our fact-checking process.
Tim Falk's headshot
Written by

Writer

Tim Falk is a freelance writer for Finder. Over the course of his 20-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio

Tim's expertise
Tim has written 542 Finder guides across topics including:
  • Banking
  • Personal Loans
  • Car Loans
  • Stock Trading
  • Cryptocurrency
More resources on Finder

More guides on Finder

Go to site