40 Zero-Percent APR Deals in October: Kia Niro EV Leads With 0% for 72 Months Plus $3,500 Cash

Of the 276 finance offers scored for October 2026, 40 carry 0% APR — up from 35 in September. Six of them run 72 months, and five add a cash bonus on top. Only three rate “Elite” and 32 rate “Excellent,” so quality varies — but the trend is clearly toward cheaper borrowing.

The standout: the 2026 Kia Niro EV pairs 0% APR over 72 months with $3,500 cash back on a $39,700 sticker, saving $12,532 against a 7% loan. The offer runs until November 2. New this month with 0%: the Jeep Cherokee, Mazda CX-70 PHEV and CX-90 PHEV, and the Subaru Trailseeker and Uncharted — five SUVs with zero-percent terms, all electrified.

Truck buyers get less love: no truck carries 0%, the longest zero-percent truck term is 60 months, and the best 72-month truck rate is 2.99% on the Toyota Tundra. And read the fine print before celebrating any rate: four offers score below zero, meaning the manufacturer loan costs more than a 7% bank loan — three Ford models at up to 7.5% over 84 months, and the 2027 Lincoln Aviator at 7.3%.