Skip to main content

About us

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

How do I qualify for an advertised 0% auto financing?


In general, only consumers with the highest credit scores qualify for 0% financing offers. Before you shop, check your credit report at one of the three nationwide consumer reporting agencies – TransUnion, Equifax, and Experian – and check for errors. Incorrect, negative information in your file could prevent you from qualifying for some offers. If there are errors, you can ask that the credit errors be corrected.

You should also know that 0% financing deals often require you to pay back the loan in a relatively short period of time, such as 36 months. In general, a shorter loan duration can be good for you because it means you will pay less interest over the course of the loan, but it means a higher monthly payment.

Sometimes you get a choice between the promotional financing (which provides a lower interest rate) and a manufacturer’s rebate (which results in cash). You should shop around for other loans from banks or credit unions to find out whether you will save more money by taking the manufacturer’s rebate and arranging your own financing.

Was this answer helpful to you?

Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.