Current 0% financing offers on cars in Ontario

Where to find 0% financing in Ontario—and the traps to avoid

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Tim Falk

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Leanne Escobal

Updated

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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 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 with Loans Canada

Access financing from 60+ lenders across Canada through one application. Borrow $5,000 - $50,000 with rates starting at 0% APR for new cars.
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0% financing on cars in Ontario for June 2025

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

BrandLowest APR availableLoan termModelVehicle type
Buick0%Up to 60 months2025 EnvisionSUV
Chevrolet0%Up to 72 months2025 Equinox EVEV, SUV
Chevrolet0%Up to 72 months2025 Blazer EVEV, SUV
Ford0%Up to 72 months2025 F-150 STXTruck
Ford0%Up to 72 months2025 Escape Plug-in HybridSUV
Ford0%Up to 60 months2025 Bronco SportSUV
Ford0%Up to 60 months2025 F-150 LightningEV, Truck
Kia0.49%Up to 60 months2025 Niro EV WindEV, SUV
Cadillac0.99%84 months2025 LyriqEV, SUV
Cadillac0.99%72 months2025 OptiqEV, SUV
Chevrolet1.99%Up to 60 months2025 CorvetteSports car
Infiniti0.99%84 months2025 QX50 SportCrossover
Infiniti0.99%84 months2025 QX55 EssentialCrossover
Volkswagen Taos0.99%24-36 months2025 TaosSUV
Audi1.98%Up to 60 months2025 Q5SUV
Ford1.99%Up to 72 months2025 Mustang Mach-EEV, Crossover
Subaru1.99%24 months2025 ForesterSUV

Offers last verified on June 4, 2025 and expire on June 30, 2025 (where an expiration date is disclosed). Offers are on approved credit, vary by region and may have other conditions.

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1 - 3 of 6
Product 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 siteMore info
Finder score
9.1 Excellent
3.90% - 29.90%
$500 - $75,000
12 - 96 months
Requirements: Min. income of $2,000 /month, 3+ months employed, Ontario only
Get customized car loan and auto financing solutions for a used vehicle that fits your budget and lifestyle.
Go to siteMore info
Finder score
8.7 Great
From 8.99%
$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.
Go to siteMore info
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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 June 2025, 0% financing on trucks in Ontario is available from Ford on two F-150 models:

  • 2025 F-150 STX: 0% for up to 72 months.
  • 2025 F-150 Lightning: 0% for up to 60 months.

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

As of June 2025, you can get 0% financing on an SUV in Ontario from:

  • Buick. 2025 Envision: 0% for up to 60 months.
  • Chevrolet. 2025 Equinox EV: 0% for up to 72 months.
  • Chevrolet. 2025 Blazer EV: 0% for up to 72 months.
  • Ford. 2025 Escape Plug-in Hybrid: 0% for up to 72 months.
  • Ford. 2025 Bronco Sport: 0% for up to 60 months.

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 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.

Frequently asked questions

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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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Written by

Writer

Tim Falk is a freelance writer for Finder. Over the course of his 15-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 451 Finder guides across topics including:
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