Financing rates can change the real cost of a new vehicle by thousands of dollars, making a promotional APR worth examining before negotiating the purchase price.
In September 2026, several automakers are offering unusually low financing rates, including multiple 0% APR programs on selected new vehicles. These offers are generally limited by loan term, trim, credit approval, and expiration date, so the advertised rate is not automatically available to every buyer.
The following vehicles stand out in the current U.S. market for their low promotional financing rates, with several offering interest-free financing for as long as 60 or 72 months.
1. 2026 Hyundai Santa Fe
The 2026 Hyundai Santa Fe is currently one of the most notable new vehicles for shoppers focused on financing rather than simply looking for a cash discount. Hyundai is offering 0% APR financing for 60 months on qualifying 2026 Santa Fe models through September 30, 2026.
CarsDirect reports that the offer applies to both gasoline and hybrid versions, while Kelley Blue Book also lists the Santa Fe with 0% financing for 60 months in its September deals.
The difference between 0% financing and a conventional loan can be substantial. With an interest-free loan, the buyer pays no finance charge on the financed amount, although taxes, fees, down payment requirements, and other purchase costs still apply.
Qualification also depends on Hyundai’s lending requirements, so the advertised APR should not be treated as guaranteed for every shopper.
The Santa Fe itself is a particularly relevant candidate because Hyundai redesigned it for the current generation around a boxier body and a more spacious cabin. The SUV provides three rows of seating and offers a choice between gasoline and hybrid powertrains in the U.S. market.
The promotional financing is also important because buyers sometimes have to choose between a low APR and separate cash incentives. Hyundai’s exact program terms can determine which option produces the lower total cost for an individual transaction.
The current offer is scheduled to expire September 30, making timing important for shoppers considering this vehicle.
2. 2026 Mazda CX-50
The Mazda CX-50 has entered September with another 0% APR financing offer, but the term is shorter than the Hyundai Santa Fe’s program. Kelley Blue Book currently lists 0% financing on the 2026 CX-50, with the offer applying to the 2.5 S Select and a 36-month term. The listed promotion runs through September 30, 2026.
A shorter loan term changes the equation considerably. While 0% APR eliminates interest charges, the buyer must repay the financed balance over only three years rather than spreading it across five or six years. That generally produces higher monthly payments, although it also means the vehicle is paid off sooner.
The CX-50 itself occupies an interesting position in Mazda’s lineup. It is larger and more ruggedly styled than the Mazda3, with standard all-wheel drive on its gasoline models and a cabin designed to compete with other compact SUVs.
The standard 2.5-liter engine produces 187 horsepower and 185 lb-ft of torque, while the available turbocharged engine can produce as much as 256 horsepower and 320 lb-ft when using premium fuel.
Mazda’s financing promotion can therefore appeal to a buyer who wants to minimize interest rather than maximize the length of the loan. A shopper should still compare the 0% offer with any available cash rebate, because manufacturers sometimes structure incentives so that buyers cannot combine the lowest APR with every other discount.
With the offer currently scheduled through September 30, the CX-50 is among the new vehicles carrying a genuine interest-free financing promotion this month.
3. 2026 Chevrolet Silverado 1500
The Chevrolet Silverado 1500 is carrying one of the more notable financing promotions available in the U.S. market this month.
Kelley Blue Book lists 0% APR financing on the 2026 Silverado 1500, while current September deal data indicates the offer can run for as long as 60 months. The promotion is particularly significant because the Silverado is a full-size pickup, where even a modest interest rate can add thousands of dollars to a financed purchase.
The truck itself covers a wide range of buyers. Chevrolet offers the Silverado with a 2.7-liter TurboMax four-cylinder, a 5.3-liter V8, a 6.2-liter V8, and a 3.0-liter Duramax diesel. The TurboMax produces 310 horsepower and 430 lb-ft of torque, while the diesel develops 305 horsepower and 495 lb-ft of torque.
The financing offer does not mean every buyer automatically receives 0%. Promotional APR programs generally require approval through the manufacturer’s financing arm and can be limited by trim, location, and other conditions.
It is also important to compare the interest-free loan against any available cash rebate before signing. A buyer who qualifies for a substantial rebate might find that taking the rebate and accepting a conventional rate produces a different total cost.
Still, the Silverado’s current offer gives shoppers an opportunity to finance a full-size pickup without the interest charge normally associated with a long vehicle loan. With the advertised offer available through September 30, 2026, the timing is particularly relevant for buyers already planning to purchase before the end of the month.
4. 2026 Kia Sportage Hybrid
The 2026 Kia Sportage Hybrid gives buyers an unusual opportunity to finance an electrified compact SUV at 0% APR. Kelley Blue Book lists the promotion among its September 2026 financing offers, with the deal scheduled to expire September 30.
The advertised offer applies to the Sportage Hybrid and gives buyers access to the same basic interest-free financing concept available on the gasoline model.
The numbers become more interesting when the vehicle’s efficiency is considered. Kia’s hybrid powertrain allows the Sportage Hybrid to achieve as much as 42 mpg combined in the appropriate configuration, with a range of up to approximately 575 miles on a tank.
That means the financing promotion is attached to a vehicle designed to reduce fuel consumption as well as borrowing costs.
The Sportage Hybrid uses a 1.6-liter turbocharged four-cylinder paired with an electric motor. Combined output is 231 horsepower and 271 lb-ft of torque. Buyers can choose front-wheel drive or all-wheel drive depending on trim.
A 0% APR offer can be particularly meaningful on a hybrid because the vehicle’s purchase price is typically higher than an otherwise comparable gasoline model. Eliminating interest does not remove that price difference, but it prevents the financing charge from increasing the amount paid over the life of the loan.
There is an important condition to remember. Promotional financing is normally available only to qualified buyers, and Kia’s program terms can vary with the purchase date and dealer. Buyers should also compare the financing offer with any available cash incentive because manufacturers can restrict the combination of promotional APR and rebates.
For someone already considering a hybrid compact SUV, the Sportage Hybrid is one of the current U.S. vehicles where the financing promotion itself is a significant part of the purchase equation.
5. 2026 Kia Sorento
The 2026 Kia Sorento is one of the more interesting low-rate options because its 0% APR financing applies across the lineup, according to Kelley Blue Book’s September 2026 financing data. The promotion is available for a 48-month term and also extends to the Sorento Hybrid and Plug-in Hybrid versions. The offer is currently scheduled to expire September 30, 2026.
A four-year interest-free loan is different from the 60-month promotions attached to several other vehicles on this list. Monthly payments can be higher because the financed balance has to be repaid sooner, but qualifying buyers avoid finance charges during the entire 48-month period.
The Sorento is also one of the more versatile vehicles carrying the promotion. It offers three rows while remaining smaller than full-size SUVs such as the Chevrolet Tahoe and Ford Expedition. That makes it attractive to buyers who occasionally need additional seating but do not want to drive a full-size SUV every day.
Kia offers the gasoline Sorento with a 2.5-liter turbocharged four-cylinder producing 277 horsepower and 311 lb-ft of torque. Hybrid and plug-in hybrid versions use different powertrains and have different output figures, so buyers should match the financing offer to the exact version they are considering.
One financial detail is easy to miss. A 0% APR deal is not always the least expensive option. Automakers may limit promotional financing when certain cash incentives are selected, so buyers should compare the total cost and savings before choosing a financing offer.
A buyer should compare the total amount paid under the interest-free offer against the price available with a rebate and conventional financing.
For shoppers who qualify, however, the Sorento’s 48-month 0% program puts a three-row SUV into a relatively rare financing category this month.
6. 2026 Nissan Frontier
The 2026 Nissan Frontier is bringing 0% APR financing for up to 60 months to most of its lineup in September.
Kelley Blue Book lists the offer as applying to every Frontier trim except the entry-level S, while CarsDirect reports the same 60-month zero-interest promotion and notes that the S carries different financing terms. The national offer is scheduled to end September 30.
For a midsize pickup, the distinction is important. A five-year loan with no interest can keep the monthly payment more manageable than a shorter promotional term while eliminating the finance charge for qualified buyers.
The Frontier also gives shoppers a fairly conventional pickup formula. Nissan uses a 3.8-liter V6 producing 310 horsepower and 281 lb-ft of torque, paired with a nine-speed automatic transmission. Buyers can choose rear-wheel drive or four-wheel drive depending on configuration.
The financing promotion is not universal to every Frontier, though. The S trim is excluded from the 0% program and instead carries separate promotional rates. CarsDirect currently lists 0.9% APR for 36 months and 1.9% for 60 months on the S.
That makes the exact truck configuration especially important before comparing advertised monthly payments. A shopper looking at a Frontier PRO-4X, for example, should not assume the same financing terms apply to the base S.
Nissan’s promotion also illustrates why the headline APR is only one part of the financial equation. Buyers should compare the 0% offer with any cash incentive, trade-in assistance, and dealer pricing, then calculate the total amount they will pay rather than focusing solely on the monthly figure.
For qualifying buyers interested in a midsize pickup, the Frontier currently sits among the new trucks with unusually aggressive promotional financing.
7. 2026 Jeep Cherokee
The 2026 Jeep Cherokee has become one of the more unusual financing offers in the September market because its promotional rate was recently reduced all the way to 0% APR for 72 months.
CarsDirect reports that the rate was cut from 5.9% on September 4, creating a six-year interest-free financing option on qualifying Cherokee models. The national promotion is scheduled to run through September 30, 2026.
A 72-month term makes this offer different from the 36-, 48-, and 60-month programs attached to many other vehicles.
The longer term can reduce the required monthly payment because the financed balance is spread over six years, while the 0% APR means qualifying buyers do not accumulate interest during that period. Taxes, fees, down payments, and other purchase costs are still separate.
The Cherokee is also notable because the redesigned 2026 model is hybrid-only in the U.S. market. Its powertrain combines a turbocharged 1.6-liter four-cylinder with electric assistance, and Jeep rates it at up to 37 mpg combined depending on configuration.
There is an important restriction, however. CarsDirect reports that the base Cherokee trim is excluded from the 0% offer, so shoppers need to verify the exact trim before calculating their financing.
As with every promotional APR, the headline rate should not be considered separately from the purchase price. Buyers should compare the 0% financing option with any available cash incentives and determine which combination produces the lower total amount paid.
For a shopper who qualifies and wants a new hybrid SUV, the Cherokee’s six-year zero-interest promotion is one of the longest 0% programs currently being advertised in the U.S. market.
8. 2026 Nissan Rogue
The 2026 Nissan Rogue is carrying an unusually broad 0% APR financing offer for 60 months this September. What makes the promotion notable is its coverage.
CarsDirect reports that Nissan has expanded the zero-percent offer beyond the range-topping Platinum trim, with the promotion now available across the Rogue lineup for qualifying buyers. The national offer is scheduled to end September 30.
A five-year interest-free loan can make a meaningful difference on a mainstream compact SUV. For example, financing $35,000 at 0% for 60 months would produce a principal-only payment of about $583 per month before taxes, fees, or a down payment.
At a conventional interest rate, the same financed amount would cost more because part of every payment would go toward interest.
The Rogue uses Nissan’s 1.5-liter VC-Turbo three-cylinder engine, producing 201 horsepower and 225 lb-ft of torque. Available all-wheel drive gives buyers an option for additional traction without moving into a larger SUV.
There is also a plug-in hybrid Rogue, which currently carries a separate 0% APR offer for 60 months, along with additional incentives in some circumstances. CarsDirect reports that the plug-in version has a 38-mile electric driving range and a total range of approximately 420 miles.
The financing offer still requires qualification through Nissan’s financing program, and regional availability or dealer participation can affect the transaction. Buyers should also compare the promotional APR against customer-cash incentives because taking one offer can sometimes make another unavailable.
For shoppers seeking a conventional compact SUV with a five-year interest-free loan, the Rogue is one of the most significant September financing promotions currently available.
9. 2026 Mazda3
The 2026 Mazda3 is another new car carrying a 0% APR financing offer in September, although its interest-free period is shorter than some of the SUVs and trucks on this list.
Mazda is offering 0% APR for up to 36 months on the Mazda3 Sedan through Mazda Financial Services for very well-qualified buyers. The current offer expires September 30, 2026, and Mazda says participating dealers must complete delivery before the offer expires.
That three-year term is worth paying attention to because a shorter financing period produces higher monthly payments than a five- or six-year loan. The advantage is that the buyer can avoid interest without extending the debt over a long period.
Mazda is also advertising deferred payments for 90 days with the 0% financing program, subject to the offer’s conditions.
The Mazda3 itself remains one of the smaller vehicles in this group, with a sedan body measuring 183.5 inches long and 70.7 inches wide. Its standard 2.5-liter four-cylinder produces 186 horsepower and 186 lb-ft of torque, while available turbocharged versions increase output substantially.
Mazda lists as much as 250 horsepower and 320 lb-ft with recommended premium fuel on the turbo model.
The financing promotion applies specifically to the Mazda3 Sedan, and buyers should check whether the exact trim they want qualifies before assuming the advertised rate applies.
For shoppers who can comfortably handle a 36-month payment, the Mazda3 provides a way to purchase a new compact sedan without paying interest on the qualifying financed balance during the promotional term.
10. 2026 Jeep Wrangler
The 2026 Jeep Wrangler closes this list with another 0% APR financing promotion available during September. Kelley Blue Book reports that Jeep is offering 0% APR on all but two Wrangler trim levels, covering both the two-door and four-door versions. The advertised promotion expires September 30, 2026.
The Wrangler’s financing deal comes with the kind of trim restrictions buyers need to examine before visiting a dealership.
A current Stellantis Financial Services offer shows 0% APR for 36 months on select 2026 Wrangler models, with the promotion requiring qualified credit and retail delivery by September 30. The special financing is also not compatible with most other incentive programs.
That last point matters because a buyer should not simply compare the interest rate with another vehicle’s APR. A cash incentive that disappears when the 0% financing is selected could change the total purchase cost. The correct comparison is the amount paid after financing, discounts, taxes, and fees under each available combination.
The Wrangler also remains mechanically distinctive among mainstream SUVs. Its traditional four-wheel-drive architecture, removable doors, and removable roof continue to separate it from conventional crossovers. The standard 3.6-liter V6 produces 285 horsepower and 260 lb-ft of torque, according to Edmunds’ 2026 specifications.
For buyers specifically interested in a Wrangler, the September promotion creates an opportunity to finance a new example at zero interest for the qualifying 36-month term. However, trim eligibility, credit qualification, and the inability to combine the APR with many other incentives should all be confirmed before signing a purchase agreement.
