
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 and shares tips on how to ensure you’re getting a good deal.

Where can I get 0% financing in Ontario?
You can currently get 0% financing on cars in Ontario from brands like Buick, Chevrolet and Ford.
Applying to loan search platforms like Loans Canada or CarsFast may also help, since they’re partnered with large networks of dealerships. One application matches you with offers, allowing you to find the best financing terms for your situation.
0% financing on cars in Ontario for July 2025
Check out the table below for details of the lowest car loan rates available in Ontario, starting at 0%.
Brand | Lowest APR available | Loan term | Model |
---|---|---|---|
Ford | 0% | Up to 72 months | 2025 F-150 STX |
Ford | 0% | Up to 72 months | 2025 Escape Plug-in Hybrid |
Ford | 0% | Up to 60 months | 2025 F-150 Lightning XLT |
Ford | 0% | Up to 60 months | 2025 Bronco Sport |
Chevrolet | 0% | 72 months | 2025 Equinox EV |
Chevrolet | 0% | 72 months | 2025 Blazer EV |
Chevrolet | 0% | 60 months | 2025 Corvette Stingray |
Chevrolet | 0% | 60 months | 2025 Corvette E-Ray |
Buick | 0% | 60 months | 2025 Envision |
RAM | 0% | 72 months | 2025 RAM 1500 Off-Roader Value Package |
Chrysler | 0% | 72 months | 2025 Chrysler Pacifica Select AWD |
Cadillac | 0% | Up to 60 months | 2025 XT4 |
Cadillac | 0% | Up to 60 months | 2025 XT5 |
Cadillac | 0% | Up to 60 months | 2025 XT6 |
Cadillac | 0% | Up to 60 months | 2025 CT4 |
Cadillac | 0% | Up to 60 months | 2025 CT5 |
Ford | 0.99% | Up to 72 months | 2025 Mustang Mach-E |
Chevrolet | 0.99% | 60 months | 2025 Trax |
Chevrolet | 0.99% | 60 months | 2025 Trailblazer |
Buick | 0.99% | 60 months | 2025 Envista |
Buick | 0.99% | 60 months | 2025 Encore GX |
Volkswagen | 0.99% | 36 months | 2025 Taos Trendline |
Volkswagen | 0.99% | 36 months | 2025 Taos Comfortline Black Edition 4Motion |
Volkswagen | 0.99% | 24 months | 2025 Taos Highline 4Motion |
Cadillac | 0.99% | Up to 84 months | 2025 LYRIQ |
Cadillac | 0.99% | Up to 72 months | 2025 OPTIQ |
Volkswagen | 1.99% | 60 months | 2025 ID.4 |
Volkswagen | 1.99% | 60 months | 2025 ID.4 PRO |
Volkswagen | 1.99% | 60 months | 2025 Taos Trendline 4Motion |
Volkswagen | 1.99% | 60 months | 2025 Taos Comfortline 4Motion |
Subaru | 1.99% | 24 months | 2025 Forester Touring |
Audi | 2.48% | Up to 60 months | 2025 Q4 45 e-tron |
Audi | 2.48% | Up to 60 months | 2025 Q4 55 e-tron q |
Subaru | 2.49% | 24 months | 2025 Crosstrek |
Subaru | 2.49% | 24 months | 2025 BRZ |
Audi | 2.98% | Up to 60 months | 2025 Q3 40 TFSI q Komfort |
Audi | 2.98% | Up to 60 months | 2025 A3 Sedan 40 TFSI quattro Komfort S tronic |
Audi | 2.98% | Up to 60 months | 2025 Q7 45 TFSI q Komfort |
Audi | 2.98% | Up to 60 months | 2025 Q7 55 TFSI q Komfort |
Audi | 2.98% | Up to 60 months | 2025 S3 TFSI q Komfort |
Audi | 2.98% | Up to 60 months | 2025 SQ7 |
Ford | 2.99% | Up to 72 months | 2025 Bronco |
RAM | 2.99% | 72 months | 2025 RAM 3500 Limited Longhorn |
RAM | 2.99% | 72 months | 2025 RAM 2500 Limited Longhorn |
Subaru | 2.99% | 24 months | 2025 Impreza RS 5-door |
Subaru | 2.99% | 24 months | 2025 Sport |
Subaru | 3.49% | 24 months | 2025 Ascent |
Audi | 3.98% | Up to 60 months | 2025 Q8 55 TFSI quattro Progressiv |
Audi | 3.98% | Up to 60 months | 2025 Q6 60 e-tron quattro |
Audi | 3.98% | Up to 60 months | 2025 A6 45 TFSI quattro Progressiv |
Audi | 3.98% | Up to 60 months | 2025 A7 55 TFSI quattro Progressiv |
Audi | 3.98% | Up to 60 months | 2025 A6 allroad 55 TFSI quattro Progressiv |
Audi | 3.98% | Up to 60 months | 2025 SQ6 e-tron q Progressiv |
Ford | 3.99% | Up to 60 months | 2025 Explorer |
Chevrolet | 3.99% | 84 months | 2025 Equinox |
Volkswagen | 3.99% | 48 months | 2025 Jetta GLI |
Volkswagen | 3.99% | 36 months | 2025 Jetta GLI 6-speed manual |
Cadillac | 3.99% | Up to 84 months | 2026 VISTIQ |
Cadillac | 3.99% | Up to 84 months | 2025 ESCALADE IQ |
Subaru | 3.99% | 24 months | 2025 Outback |
Offers last verified on July 3, 2025 and expire on July 31, 2025 (where an expiration date is disclosed). Offers are on approved credit, vary by region and may have other conditions.
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Need a car loan?
Ontario has a variety of car loan options
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 July 2025, 0% financing on trucks in Ontario is available from these models:
- Ford 2025 F-150 STX
- Ford 2025 F-150 Lightning XLT
- RAM 2025 1500 Off-Roader Value Package
Who’s offering 0% financing on SUVs in Ontario?
As of July 2025, you can get 0% or low-rate financing on an SUV in Ontario from:
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 get 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 yourself 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 rates.
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.
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