0% Financing
- Rates from 0% - 35.00%
- Borrow $3,000 - $50,000
- Loan terms from 12-84 months
- Get matched with offers

By
Tim FalkEdited by
Leanne EscobalUpdated
Aside from a home, a car is one of the most expensive purchases you’ll ever make. So no matter what make, model or vehicle style you’re in the market for, it makes perfect financial sense to shop around for the best deal. Keep reading to compare current new car deals and used car specials in Canada.
0% Financing
Used Cars
All Credit Scores
Looking for low rates or big discounts? Check out these offers.
| Brand | Offer | Term | Model | Offer type | Provinces |
|---|---|---|---|---|---|
| Chevrolet | 0% | 84 months | 2026 Silverado 1500 | Finance | ON, BC, AB, MB, SK, NS, NL, PE, NB |
| Ram | 0% | Up to 84 months | 2026 Ram 1500 Big Horn Crew Cab 4×4 | Finance | National |
| Chevrolet | 0% | 84 months | 2027 Bolt | Finance | ON, BC, AB, MB, SK, NS, NL, PE, NB |
| GMC | 0% | 84 months | 2026 Sierra 1500 | Finance | ON, MB, SK, NS, NL, PE, NB |
| Cadillac | 0% | 84 months | 2026 XT5 and CT5 | Finance | ON, BC, AB, MB, SK, NS, NL, PE, NB |
| Buick | 0% | 84 months | 2026 Envision | Finance | ON, BC, AB, MB, SK, NS, NL, PE, NB |
| Ford | 0% | Up to 72 months | 2026 Bronco Sport Badlands | Finance | ON, BC, AB, MB, SK, NS, NL, PE, NB |
| Cadillac | 0% | 72 months | 2027 LYRIQ | Finance | ON, BC, AB, MB, SK, NS, NL, PE, NB |
| Volkswagen | 0% | 60 months | 2025 ID.4 | Finance | National |
| Volkswagen | 0% | 60 months | 2026 Atlas | Finance | National |
| Nissan | 0% | 60 months | 2026 Rogue S | Finance | ON, BC, AB, MB, SK, NS, NL, PE, NB |
| Volkswagen | 0% | 60 months | 2026 Jetta | Finance | National |
| Volkswagen | 0% | 48 months | 2025 ID.4 | Lease | National |
| Volkswagen | 0% | 48 months | 2025 ID. Buzz 1st Edition | Lease | National |
| Nissan | 0% | 36 months | 2026 Rogue S | Lease | National |
| Volkswagen | 1.49% | 36 months | 2026 Tiguan Trendline | Lease | National |
| Subaru | 0.99% | 24 months | 2026 Impreza Convenience 5-door | Lease | National |
| Subaru | 0.99% | 24 months | 2026 Forester Convenience | Lease | MB, SK, NS, NL, PE, NB, QC |
| Subaru | 0.99% | 24 months | 2026 Crosstrek Convenience | Lease | ON, MB, SK, NS, NL, PE, NB, QC |
| Subaru | 0.99% | 24 months | 2026 Uncharted FWD | Lease | National |
| Infiniti | 0% | 36 months | 2026 QX60 SPORT | Lease | ON, BC, AB, MB, SK, NS, NL, NB, QC |
| Volkswagen | $21,000 | N/A | 2025 ID. Buzz 1st Edition | Discount | National |
| Chevrolet | $11,000 ($13,000 in QC, $15,000 in MB) | N/A | 2027 Equinox EV | Discount | National |
| Chevrolet | $10,500 ($12,500 in QC, $14,500 in MB) | N/A | 2027 Bolt | Discount | National |
| Kia | Up to $11,000 ($13,000 in QC, $15,000 in MB) | N/A | 2026 Niro EV Wave | Discount | National |
| Chevrolet | $10,000 | N/A | 2026 Silverado 1500 | Discount | National |
| GMC | $10,000 | N/A | 2026 Sierra 1500 | Discount | National |
| Ram | $11,500 | N/A | 2026 Ram 1500 Limited Crew Cab 4×4 | Discount | National |
| Nissan | $6,000 | N/A | 2026 Rogue PLATINUM | Discount | National |
| Subaru | $6,500 | N/A | 2026 Solterra AWD | Discount | National |
Top offers selected from a pool of 461 options. Verified on October 2, 2026; set to expire November 2, 2026 (where an expiration date applies). Subject to approved credit, regional availability, and dealership terms. Figures shown are estimates and subject to change without notice. Actual vehicle availability, pricing and terms vary by dealer. Contact your local dealer for final confirmation.
Explore current 0% financing deals in Canada
Here are some examples of used cars under $35,000 through Clutch.
| Model | Price | |
|---|---|---|
| 2021 RAV4 | $30,990 | Go to site |
| 2022 Tesla Model 3 | $28,590 | Go to site |
| 2023 Volkswagen Atlas Cross Sport | $33,990 | Go to site |
| 2019 Honda Civic | $18,590 | Go to site |
| 2023 Mazda CX-30 | $31,590 | Go to site |
| 2019 Nissan Sentra | $12,590 | Go to site |
| 2018 Volkswagen Golf | $23,990 | Go to site |
| 2025 Mazda CX-5 | $32,990 | Go to site |
| 2019 Ram 1500 | $34,590 | Go to site |
Check out some of the best new car deals on SUVs across Canada:
Offers last verified on October 2, 2026, and expire on November 2, 2026 (where an expiration date is disclosed). Offers are on approved credit, vary by province and region and may have other conditions.
Check out the latest hybrid and electric car deals below:
Offers last verified on October 2, 2026, and expire on November 2, 2026 (where an expiration date is disclosed). Offers are on approved credit, vary by province and region and may have other conditions.
Looking for car deals on new trucks? Check out these options:
Offers last verified on October 2, 2026, and expire on November 2, 2026 (where an expiration date is disclosed). Offers are on approved credit, vary by province and region and may have other conditions.
"We’re seeing the gap widen—the rich getting richer, and the poor getting poorer—and that’s reshaping the lending landscape. Subprime borrowers are defaulting on auto loans more frequently than last year, which has lenders rethinking their programs to account for higher risk. Some may raise rates even further, while others might exit the space entirely.
Meanwhile, prime borrowers are benefitting from increased competition. More lenders are targeting this group, which could lead to better rates and more attractive product offerings.
It’s also worth noting how affordability is shifting. The average vehicle price tops $50,000, and the typical monthly payment is now over $800—simply out of reach for many buyers. To keep payments manageable, we’re seeing more loans stretch beyond six years.
From my company’s perspective in the specialty finance space, our 15-year loan program for classic and collector cars continues to grow at a breakneck pace. While the reasons people choose these vehicles differ from traditional auto purchases, the broader lending trends are impossible to ignore."
Keep these tips in mind to help you lock in a better deal on your next car:
Use our car loan calculator to calculate your payments
No matter whether you’re shopping for a new or used car—or whether you’re financing, leasing or buying it outright—there are always plenty of car deals available. Compare car offers across models, manufacturers and dealerships to find the best deal on your next set of wheels.
The end of the year is generally considered to be the best time to buy a car in Canada, from around September through December. This is when manufacturers and dealerships are keen to move models from the previous year to make space for new models, so you can commonly find attractive deals during this period. You could also save money by shopping towards the end of the month at any time of year, as sales staff may have monthly quotas they need to meet.
Yes, you can still negotiate the price of a car with dealerships in Canada. However, how much room you have to negotiate can vary depending on the model you're buying, the current auto sales market and the individual dealership. But even if the dealer won't negotiate, you've got nothing to lose by simply asking if a better deal is available.
According to a 2026 AutoTrader.ca report, the cheapest car to buy in Canada is the Hyundai Venue Essential, which has an MSRP of $21,999. Last year, Clutch reported that the cheapest car to buy in Canada was the 2025 Nissan Versa with an MSRP of $20,798. Of course, you'll be able to find plenty of models well below the $20K mark if you're willing to shop for a used vehicle.
There are several websites worth checking out if you want to buy a car online in Canada. Popular options include Clutch, Canada Drives, CarsFast and AutoTrader. Learn more in our guides to online car dealers in Canada and the best used car websites in Canada.
Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
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
Leasing a car can be a smart and flexible way to drive a newer model while keeping monthly payments lower than traditional financing. Find out the latest lease deals.
Learn where to get 0% financing for cars in Ontario and how to ensure that you get a good deal.
Shopping for a used car? Check out these 14 options to suit any budget.
Compare companies like Clutch that let you buy or sell a car online in Canada.
Browse car loans in BC for good and bad credit scores.
Compare car loan options in Ontario to find the right financing for your next set of wheels.
Use this car loan payment calculator to find out your potential monthly payments.
If your credit history is less than perfect, compare these seven no credit check car loan alternatives.
Who is currently offering zero percent financing on cars in Canada? See offers from popular car brands in Ontario, BC, Alberta and more.
We are an independent comparison platform and information service designed to help you make better decisions. To keep our service free, we receive compensation from the companies whose products or services are featured on our site. We may receive payment when you click on links or apply for products through our platform.
While our commercial arrangements may affect the inclusion, order, position and placement of products on our site, they do not influence our independent assessments or editorial views. The inclusion of a provider or product in content or the order in which products are displayed in tables or lists should not be interpreted as a specific endorsement or recommendation from us.
We compare a wide range of products, providers, and services, but we do not cover the whole market. There may be other options available to you outside of our platform.
The information we provide does not constitute financial advice. You should consider your own personal circumstances and read the provider's terms and conditions before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.