Search The Best Zero Percent Interest Car Loans Online Now

While it could be possible to find lenders that specialize in providing 0 percent auto financing loans to borrowers who have bad credit these days, getting approved for such types of car finances could still be very difficult if you attempt to do it on your own. Nevertheless, if you have an expert to guide you during your effort, your chances of obtaining a bad credit car loan 0 interest rate will get considerably enhanced.

  • Getting 0% Interest on New or Used Cars
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3 Main Benefits Offered By Zero Percent Car Finance Loans

There could be a number of advantages which 0 vehicle financing loans can offer. Some of these may be as under:

  • Getting approved for zero percent auto finance loans is like securing free cash. As there is no interest to be paid, the process is similar to buying a car by paying its cost upfront.
  • The money saved on interests on a 0 interest auto loan could be used for getting rid of the loan dues pretty quickly.
  • Car makers provide borrowers the option to choose between 0% interest rate loans and cash rebate. Depending on your exact requirements, you can make a choice.

How To Get Approved For Zero Percent Financing On Cars?

At, we teach people how to get 0 percent finance on cars through a simple, easy and hassle free process online. However, here are few aspects which you need to take into account before you start researching various alternatives available at your disposal.

  • Determine overall savings that you are likely to secure by opting for cash rebate option as well as low or no interest auto loan.
  • Make sure that the interest rate for deal being finalized for 0 financing on new cars is the same throughout the life of the loan and not just for first year.
  • Get details of negotiations pertaining to interest rate as well as terms in writing from the lender with whom you are finalizing a deal.
  • Go through fine print of the agreement before you sign a deal for 0 interest car loans so as to make sure that there are no punitive clauses for late monthly car payments.

Determine Whether 0 Percent Car Financing Is Right For You

There could be a couple of things which you need to consider when thinking of applying for a no interest car loan as mentioned below.

  • Very few people qualify for zero percent auto financing loans as car manufacturers that provide such financial assistance for boosting sales of their new cars normally extend 0% interest rate facility to borrowers who have good credit ratings.
  • Secondly, the loan durations offered for 0 financing on cars could be significantly shorter and in most cases, they might not be more than two years. As a result, the monthly instalments also could be much higher.

Getting Affordable Zero Percent Car Loans – How We Can Help can assist you to check if you can get 0 finance on new cars. But it could be vital for you to note that 0% auto financing might not necessarily be your best option. There could be some other favourable options as well. In any case, if you have decided to apply for zero interest car loans then you may follow some basic guidelines.

  • Find out if you are required to pay a large down payment as majority of the automobile makers ask for at least 25% down payment.
  • Choose a loan term for which you can stay current on your monthly car payments.
  • While comparing multiple free quotes for zero percent auto loans to find the best proposal, check whether there are any fees for late payments.
  • To get some information about lender processes, go through reviews as it will help in securing a deal that fits your specific type of financial needs.

Report: Lamborghini Now Offering Zero Percent Financing

Over recent years the offer of zero percent financing has become almost commonplace among domestic automakers, but now one of the imports is doing the same. What’s surprising isn’t that the automaker is from Europe, but (more specifically) that it’s from Italy.

That’s right, Lamborghini is now offering 0% financing on the LP640 coupe and roadster models, making them what must be the most expensive vehicles to ever get such a financing rate.

Now the deal isn’t about to attract Corolla shoppers, but it is quite enticing. On the $354,000 LP640 Coupe, it could make the difference between a $5,900 monthly payment (over 60 months at 0%) as compared to an almost $7,000 monthly payment ( over 60 months at 7%). That’s $1,100 a month!

The deal is the result of a new financing arrangement that Lambo has made with Woodside Credit and Volkswagen Credit. According to Lamborghini the zero percent offer is available over a term of 60 months for buyers who make a down payment of higher than 10 percent and who have a credit score of over 740. Those with a credit score of over 700 can enjoy rates from 5.99% for terms of up to 12 years.

“The Lamborghini Retail Finance Plan allows enthusiasts to finance one of most exclusive cars on the road at a more competitive rate than ever before,” said Pietro Frigerio, Chief Operating Officer of Automobili Lamborghini America, LLC. “We are pleased to continue our relationship with Volkswagen Credit as well partner with Woodside Credit, an established financing organization in collector and specialty cars, in order to provide several financing options to our clients.”

It’s official, being rich, just got better.

Official release after the jump:

SANT’AGATA BOLOGNESE, Italy, Oct. 13 /PRNewswire/ — Today Lamborghini America LLC announced a new Lamborghini Retail Finance Plan for its most exclusive vehicles on the market, the Murcielago LP640 Coupe and Roadster (model years 2009 and 2010). The super sports car company is partnering with Woodside Credit and Volkswagen Credit, Inc. to provide alternative financing programs through authorized U.S. Lamborghini dealers.

“The Lamborghini Retail Finance Plan allows enthusiasts to finance one of most exclusive cars on the road at a more competitive rate than ever before,” said Pietro Frigerio, Chief Operating Officer of Automobili Lamborghini America, LLC. “We are pleased to continue our relationship with Volkswagen Credit as well partner with Woodside Credit, an established financing organization in collector and specialty cars, in order to provide several financing options to our clients.”

The Murcielago LP 640 Coupe and Roadster are instantly recognizable Lamborghini models, with iconic scissor doors and an aggressive body. The 640 horsepower Coupe and Roadster can sprint from 0 to 62 in 3.4 seconds, and have top speeds of 211 and 205 miles per hour, respectively.

Qualified buyers with a credit score of 700 or higher will enjoy rates starting at 5.99 percent, a minimum down payment of 10 percent, low monthly payments and terms of up to 12 years. For those buyers with a credit score above 740 and making a higher down payment, the program offers a zero percent interest rate over a 60-month period.

zero percent financing chevy

Zero percent financing chevy

Zero down! Zero interest! Zero payments for Six Months! You'll hear one or all of these deals at different times. What can go wrong with deals like that?

Just about everything. These ads are promoted heavily at different times, so you should know the facts, starting with the fact that these promotions can be some of the most deceptive and unfair to the consumer.

By using word games and by deliberately obscuring details, the promotions hurt unwary consumers' pocketbooks in big ways: Read the very fine print and you'll see this:

  • Zero down payment doesn't mean no money – Every buyer still has to pay tax, tag, and license, which can run over a thousand dollars. That's a down payment in my book.
  • Zero Payments for Six Months! – Are the finance companies being nice and making your first six payments for you? Of course not! They are doing one of two things: either adding the six payments to the end of your contract, or, even worse, adding those first six payments into the loan. Either way means you end up paying more in one way or another..
  • Zero percent! – In addition, you might have seen that zero percent is legal bait and switch. According to CNW Marketing Research, barely 9 out of a hundred people drawn to a dealership because of zero percent financing actually get it. To make matters worse, the research company found that consumers don't negotiate on the actual price of the car when they go to dealerships for zero percent. They don't realize the price of the car and the cost of financing are two separate issues. Those consumers can pay thousands more than they need to pay.

If a rebate is offered as an alternative to 0%, the answer is often yes! To do so, you'll need to apply the rebate as a down payment on the vehicle.

Should I take a zero percent loan or a rebate? It all depends. Go to our auto loan calculator "Should I Take a Rebate or Low-Cost Financing?"

You could save a considerable amount if you

  • forgo the dealership 0% interest rate;
  • take the rebate and use it as a down payment;
  • get a low interest auto loan at DCU

For example, this calculator will tell you that if the purchase price of a car is $15,000, with a dealership offering a cash rebate of $2,000 or 0% financing for 60 months, a person could save over $1,000 by using the rebate as a down payment and financing with DCU if they have good credit.

Compare any dealer's financing offer to DCU's. Ask the dealer to completely fill out a copy of their finance contract, but don't sign it yet. If the dealership refuses to give you a completed copy of the contract to take with you, chances are, they aren't cheaper.

Bring the unsigned contract in to any DCU Branch or fax it to us at 508.263.6392. DCU will assess their loan and we will tell you if we can beat their financing or not. If we can't beat their offer, we will tell you so, and send you back to the dealership.

DCU also has an arrange with different dealerships to provide DCU financing right at the dealership. To learn more about the DCU Auto Buying Service, go to our Auto Premier Auto Buying Service.

In the last several years, thousands of members saved millions of dollars by moving their auto loans to DCU. Every one of these members thought they were getting a cheaper rate at the dealership, and found out they were wrong.

How can you tell? For an approximate estimation, go to our simple "Auto Loan Refinance Calculator" on our Second Chance Car Loan page. Fill in

  • the loan term you desire,
  • the total loan amount you desire,
  • your approximate credit rating,
  • your current monthly payment and
  • the approximate loan term remaining (in months) of your current loan.

For a more exact figure, fax the above information to us at 508.263.6392. Please include your name, member number and a way to contact you. You can also email us or visit any DCU Branch.

Every day we save members money over dealer financing – often even when zero percent financing is offered. What should you do if you're in the market for a vehicle and see one of these ads? Slow down! Remember that speed in the car business can cost you thousands. Use StreetWise to help save those thousands!

Pontiac G8, other GM cars get zero-percent financing

The Pontiac G8 is about to enter the pages of history. And it's sure to be remembered wistfully by enthusiasts for its potent engine, sporty driving and all-too-brief life.

But before the screen fades to black on the Pontiac flagship--and the brand entirely--thrifty car fans can pick up the G8 at a decent discount. General Motors is launching zero-percent financing for 72 months on the G8, most of the Pontiac line and some of its other popular vehicles, including the Chevrolet Impala and Suburban and the GMC Yukon XL.

The sale runs July 1 to July 6. The Vibe, the G3, the G5 and the G6, as well as the Chevy Silverado and the GMC Sierra, also are eligible for the deal. Zero-percent financing for 60 months is available on many other GM cars and trucks, though they are not part of the sale.

In the case of the G8, the discount represents the best and possibly last chance for enthusiasts to get behind the wheel of one of the more enjoyable American sports sedans in recent memory. The deal applies to the 2009 G8. The car channels power to the rear wheels and offers a V6 and two V8 motors.

The top-level, 6.2-liter, 415-hp V8 is the most powerful Pontiac ever. Though the muscle cars of yore had ridiculous numbers, horsepower was calculated differently back in the day, and this is the beast that Pontiac brass says wears the crown.

The sleek styling and laudable performance have drawn comparisons to BMW, though at a much lower sticker.

GM estimates the average consumer could save $8,148 on a G8 using the zero-percent financing offer, according to Bankrate data. The base G8 with a V6 motor (still 256 hp) starts at $29,000, including destination charges.

Rumors swirled that the car could be rebadged as a Chevy--fueled even by some curious comments from GM execs--but for now, the car is set to be killed with the rest of Pontiac. The historic brand is being phased out by the end of 2010.