Current 0% financing offers on cars in Ontario

Explore the latest 0% interest offers 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 Ram, Chrysler, Ford 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 January 2026

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

BrandLowest APRTermModel
Ram0%Up to 72 months2026 Ram 2500 Power Wagon Crew Cab 4×4
Chrysler0%Up to 72 months2025 Pacific Select AWD
Ford0%Up to 72 months2025 F-150 (PowerBoost®)
Ford0%Up to 60 months2025 Bronco Sport Badlands
Ford0%Up to 60 months2025 Escape
Cadillac0%60 months2025 XT4
Cadillac0%60 months2025 XT5
Cadillac0%60 months2025 XT6
Cadillac0%60 months2025 LYRIQ
Cadillac0%84 months2026 CT4
Cadillac0%84 months2026 CT5
VW0%60 months2025 ID.4
VW0%60 months2025 ID. Buzz
Mitsubishi0%36 months2025 OUTLANDER PHEV
Mitsubishi0%36 months2025 OUTLANDER
Infiniti0%60 months2025 QX60 Black Edition
Kia0%Up to 84 months2026 Niro EV Wind
Chevrolet0% (2.9% effective APR)60 months2026 Silverado 1500
Chevrolet0% (2.9% effective APR)60 months2026 Silverado 1500
Kia0.49%Up to 60 months2025 Niro PHEV LX
Subaru0.50%24 months2026 Solterra
Subaru0.50%24 months2025 Impreza
Audi0.98%Up to 60 months2025 Audi Q6 e-tron e-tron quattro
Audi0.98%Up to 60 months2025 Audi SQ6 e-tron e-tron quattro Progressiv
Cadillac0.99%72 months2026 VISTIQ
Cadillac0.99%72 months2026 OPTIQ
Cadillac0.99%72 months2026 LYRIQ
Cadillac0.99%72 months2026 LYRIQ-V
Subaru0.99%24 months2025 Forester
Honda0.99%84 months2025 Prologue EX
Subaru1.49%24 months2025 Crosstrek
Subaru1.99%24 months2026 Crosstrek
Subaru1.99%24 months2025 Sport
Acura1.99%60 months2025 ADX
Hyundai1.99%84 months2025 IONIQ 6
Audi2.48%Up to 48 months2025 Audi Q3 40 TFSI quattro Komfort
Audi2.48%Up to 60 months2025 Audi Q3 40 TFSI quattro Komfort
Ford2.49%Up to 72 months2025 Bronco Badlands
Subaru2.49%24 months2026 Impreza
Audi2.98%Up to 60 months2025 Audi A6 e-tron quattro Ultra
Audi2.98%Up to 60 months2025 Audi S6 e-tron quattro
Cadillac2.99%84 months2026 XT5
Subaru2.99%24 months2026 Forester
Subaru2.99%24 months2026 BRZ

Offers last verified on January 5, 2026 and expire on February 2, 2026 (where an expiration date is disclosed). Certain offers, such as select Ford models, are only valid during certain dates (e.g., Jan 3 – 13 and Jan 28 – Feb 2). Offers are on approved credit, vary by region and may have other conditions.

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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.
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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.
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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.
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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 January 5, 2026, here are the trucks in Ontario with 0% or low-rate financing:

  • 2026 Ram 2500 Power Wagon Crew Cab 4×4 – 0% – Up to 72 months
  • 2025 Ford F-150 (PowerBoost®) – 0% – Up to 72 months
  • 2026 Chevrolet Silverado 1500 – 0% (2.9% effective APR) – 60 months
  • 2026 Chevrolet Silverado 1500 – 0% (2.9% effective APR) – 60 months

Offers vary by region and are based on approved credit.

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

As of January 5, 2026, you can get 0% or low-rate financing on an SUV or crossover in Ontario from:

  • 2025 Chrysler Pacific Select AWD – 0% – Up to 72 months
  • 2025 Ford Bronco Sport Badlands – 0% – Up to 60 months
  • 2025 Ford Escape – 0% – Up to 60 months
  • 2025 Cadillac XT4 – 0% – 60 months
  • 2025 Cadillac XT5 – 0% – 60 months
  • 2025 Cadillac XT6 – 0% – 60 months
  • 2025 Cadillac LYRIQ – 0% – 60 months
  • 2026 Cadillac LYRIQ – 0.99% – 72 months
  • 2026 Cadillac LYRIQ‑V – 0.99% – 72 months
  • 2025 Mitsubishi OUTLANDER PHEV – 0% – 36 months
  • 2025 Mitsubishi OUTLANDER – 0% – 36 months
  • 2025 Infiniti QX60 Black Edition – 0% – 60 months
  • 2025 Volkswagen ID.4 – 0% – 60 months
  • 2026 Subaru Solterra – 0.50% – 24 months
  • 2025 Subaru Forester – 0.99% – 24 months
  • 2025 Subaru Crosstrek – 1.49% – 24 months
  • 2026 Subaru Crosstrek – 1.99% – 24 months
  • 2025 Honda Prologue EX – 0.99% – 84 months
  • 2025 Audi Q6 e‑tron quattro – 0.98% – Up to 60 months
  • 2025 Audi SQ6 e‑tron quattro Progressiv – 0.98% – Up to 60 months
  • 2026 Cadillac VISTIQ – 0.99% – 72 months
  • 2026 Cadillac OPTIQ – 0.99% – 72 months
  • 2025 Acura ADX – 1.99% – 60 months

Offers vary by region and 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.

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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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Tim has written 510 Finder guides across topics including:
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