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

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

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Tim Falk

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Leanne Escobal

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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.

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Where can I get 0% financing in Ontario?

0% interest deals are available this month, with offers from brands like 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 August 2026

Check the table below for some of the lowest car loan rates available in Ontario, starting at 0%.

BrandLowest APRTermModelEst. PriceEst. Monthly Payment
Volkswagen0%60 months2025 Volkswagen ID. Buzz 1st Edition$74,960$1,249.33
Volkswagen0%60 months2025 Volkswagen ID. Buzz 1st Edition 4MOTION$80,460$1,341.00
Volkswagen0%60 months2025 Volkswagen ID.4$46,660$777.67
Volkswagen0%60 months2025 Volkswagen ID.4 PRO$51,160$852.67
Volkswagen0%60 months2025 Volkswagen ID.4 PRO AWD$56,160$936.00
Volkswagen0%60 months2025 Volkswagen ID.4 PRO S$53,660$894.33
Volkswagen0%60 months2025 Volkswagen ID.4 PRO S AWD$58,660$977.67
Volkswagen0%60 months2026 Volkswagen Atlas Comfortline$54,410$906.83
Volkswagen0%60 months2026 Volkswagen Atlas Cross Sport Comfortline$53,310$888.50
Volkswagen0%60 months2026 Volkswagen Atlas Cross Sport Execline$63,310$1,055.17
Volkswagen0%60 months2026 Volkswagen Atlas Cross Sport Highline$60,310$1,005.17
Volkswagen0%60 months2026 Volkswagen Atlas Execline$64,410$1,073.50
Volkswagen0%60 months2026 Volkswagen Atlas Highline$61,410$1,023.50
Volkswagen0%60 months2026 Volkswagen Atlas Peak Edition$58,410$973.50
Volkswagen0%24 months2026 Volkswagen Golf GTI$40,310$1,679.58
Volkswagen0%24 months2026 Volkswagen Golf GTI Autobahn$44,310$1,846.25
Volkswagen0%24 months2026 Volkswagen Golf R$54,010$2,250.42
Volkswagen0%24 months2026 Volkswagen Golf R Black$56,610$2,358.75
Volkswagen0%60 months2026 Volkswagen Jetta Comfortline$32,010$533.50
Volkswagen0%24 months2026 Volkswagen Jetta GLI$38,410$1,600.42
Volkswagen0%60 months2026 Volkswagen Jetta Highline$36,110$601.83
Volkswagen0%60 months2026 Volkswagen Jetta Trendline$30,010$500.17
Volkswagen0%24 months2026 Volkswagen Taos Comfortline$38,835$1,618.13
Volkswagen0%24 months2026 Volkswagen Taos Comfortline Black$40,535$1,688.96
Volkswagen0%24 months2026 Volkswagen Taos Highline$42,035$1,751.46
Volkswagen0%24 months2026 Volkswagen Taos Trendline$33,235$1,384.79
Volkswagen0%24 months2026 Volkswagen Taos Trendline$35,235$1,468.13
Volkswagen0%24 months2026 Volkswagen Tiguan Comfortline$44,160$1,840.00
Volkswagen0%24 months2026 Volkswagen Tiguan Comfortline R-Line Black$47,660$1,985.83
Volkswagen0%24 months2026 Volkswagen Tiguan Highline R-Line$53,160$2,215.00
Volkswagen0%24 months2026 Volkswagen Tiguan Trendline$40,660$1,694.17
Ram0%Up to 72 Months2026 Ram 1500 Big Horn Crew Cab 4×4$74,685$1,037.29
Nissan0%36 months2026 Nissan Kicks S$27,198$755.50
Nissan0%36 months2026 Nissan Sentra S$25,268$701.89
Cadillac0%72 months2026 LYRIQ$76,918$1,068.31
Cadillac0%72 months2026 LYRIQ-V$97,894$1,359.64
Cadillac0%72 months2026 OPTIQ$61,951$860.43
Cadillac0%60 months2026 XT5$52,993$883.22
Audi0.48%Up to 60 months2025 Audi A5 TFSI quattro$61,150$1,031.65
Audi0.48%Up to 60 months2025 Audi Q5 TFSI quattro$62,150$1,048.52
Audi0.48%Up to 60 months2025 Audi S5 TFSI quattro$73,150$1,234.10
Audi0.48%Up to 60 months2025 Audi SQ5 quattro Progressiv$82,150$1,385.94
Audi0.48%Up to 60 months2026 Audi A3 Sedan TFSI quattro$47,400$799.68
Audi0.48%Up to 60 months2026 Audi S3 Sedan quattro$59,200$998.75
Subaru0.50%24 months2026 Subaru WRX Sport$38,595$1,616.51
Audi0.98%Up to 60 months2026 Audi Q7 45 TFSI quattro$81,265$1,388.42
Audi0.98%Up to 60 months2026 Audi Q7 55 TFSI quattro$86,265$1,473.85
Audi0.98%Up to 60 months2026 Audi SQ7 quattro$125,110$2,137.52
Subaru0.99%24 months2026 Subaru Impreza Convenience 5-door$28,295$1,191.15
Subaru0.99%24 months2026 Subaru Solterra AWD$52,495$2,209.92
Subaru0.99%24 months2026 Subaru Uncharted FWD$42,995$1,809.99
Kia0.99%up to 60 months2026 Kia EV9 Light RWD$59,995$1,025.28
Kia0.99%up to 60 months2026 Kia Sportage LX FWD$32,295$551.90
Audi1.48%Up to 60 months2026 Audi Q8 55 TFSI quattro Progressiv$97,750$1,691.19
Audi1.48%Up to 60 months2026 Audi SQ8 quattro$134,572$2,328.26
Audi1.48%Up to 60 months2027 Audi A6 e-tron quattro$87,050$1,506.07
Audi1.48%Up to 60 months2027 Audi Q6 e-tron quattro$84,065$1,454.43
Audi1.48%Up to 60 months2027 Audi Q6 Sportback e-tron quattro Progressiv$93,355$1,615.15
Audi1.48%Up to 60 months2027 Audi S6 e-tron quattro$98,730$1,708.15
Audi1.48%Up to 60 months2027 Audi SQ6 e-tron quattro Progressiv$99,455$1,720.69
Audi1.48%Up to 60 months2027 Audi SQ6 Sportback e-tron quattro Progressiv$103,306$1,787.32
Subaru1.49%24 months2026 Subaru BRZ$33,395$1,413.16
Subaru1.49%24 months2026 Subaru Crosstrek Convenience$30,595$1,294.67
Nissan1.90%84 months2026 Nissan LEAF S PLUS$44,998$572.53
Audi1.98%Up to 60 months2026 Audi A5 TFSI quattro$62,550$1,095.81
Audi1.98%Up to 60 months2026 Audi all-new A6 45 TFSI quattro Progressiv$85,150$1,491.74
Audi1.98%Up to 60 months2026 Audi Q3 TFSI quattro Progressiv$55,250$967.93
Audi1.98%Up to 60 months2026 Audi Q5 Sportback TFSI quattro Progressiv$70,750$1,239.47
Audi1.98%Up to 60 months2026 Audi Q5 TFSI quattro$63,250$1,108.08
Audi1.98%Up to 60 months2026 Audi S5 TFSI quattro$74,400$1,303.41
Audi1.98%Up to 60 months2026 Audi SQ5 Sportback TFSI quattro Progressiv$85,750$1,502.26
Audi1.98%Up to 60 months2026 Audi SQ5 TFSI quattro$78,250$1,370.86
Subaru1.99%24 months2026 Subaru Forester Convenience$34,195$1,454.51
Subaru1.99%24 months2026 Subaru Trailseeker Touring$54,995$2,339.26
GMC1.99%60 months2026 Hummer EV SUV$135,147$2,368.23
Cadillac1.99%84 months2026 CT4$49,422$630.77
Cadillac1.99%84 months2026 CT5$62,967$803.65
Audi2.48%Up to 60 months2026 Audi S e-tron GT quattro$168,940$2,996.75
Hyundai2.79%84 months2026 Hyundai IONIQ 9 Essential RWD$59,999$787.12
Nissan2.90%84 months2026 Nissan Rogue PLATINUM$46,648$614.27
Nissan2.90%84 months2026 Nissan Rogue ROCK CREEK$42,048$553.70
Audi2.98%Up to 60 months2026 Audi A8L 55 TFSI quattro$114,220$2,051.37
Ford2.99%Up to 72 months2026 F-150$52,980$804.72

Offers expire on August 31, 2026. The data is based on our monthly research of 20+ dealerships and was last verified on August 1, 2026. Offers are on approved credit, vary by region and may have other conditions, such as down payment requirements. Pricing and payments are estimates only and vary according to vehicle trim, dealer inventory, local taxes, fees and individual credit approval.

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3 of 5 results
Finder Score APR Range Loan Amount Loan Term Requirements Broker Compliance
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.
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8.7 Great
From 7.99%
$7,500 - No max.
24 - 96 months
Requirements: 3+ months employed; maximum 1 bankruptcy; only available in Ontario, New Brunswick and Nova Scotia
Apply for financing with online dealer Clutch, who partners with some of Canada’s largest financial institutions to get you competitive interest rates.
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Compare product selection
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.
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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 August 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
  • Ford: 2.99%, Up to 72 months, 2026 F-150

Offers are based on approved credit.

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

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

  • Volkswagen: 0%, 60 months, Volkswagen ID.4
  • Volkswagen: 0%, 60 months, Volkswagen Atlas
  • Volkswagen: 0%, 60 months, Volkswagen Atlas Cross Sport
  • Volkswagen: 0%, 24 months, Volkswagen Taos
  • Volkswagen: 0%, 24 months, Volkswagen Tiguan
  • Nissan: 0%, 36 months, Nissan Kicks
  • Cadillac: 0%, 72 months, Cadillac LYRIQ
  • Cadillac: 0%, 72 months, Cadillac OPTIQ
  • Cadillac: 0%, 60 months, Cadillac XT5
  • Audi: 0.48%, Up to 60 months, Audi Q5
  • Audi: 0.48%, Up to 60 months, Audi SQ5
  • Audi: 0.98%, Up to 60 months, Audi Q7
  • Audi: 0.98%, Up to 60 months, Audi SQ7
  • Subaru: 0.99%, 24 months, Subaru Solterra
  • Subaru: 0.99%, 24 months, Subaru Uncharted
  • Kia: 0.99%, up to 60 months, Kia EV9
  • Kia: 0.99%, up to 60 months, Kia Sportage

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 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.

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

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