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With 0% APR deals from Toyota, it’s like money in the bank. From Corolla to Camry, Tundra to Tacoma, you’ll find an array of low APR car deals on every kind of vehicle, from cars and trucks, to SUVs and hybrids.

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0% APR auto loans vs. rebates One of the popular ways that manufacturers are presenting 0% financing today is by also providing a second offer with a higher interest rate and a cashback rebate (which must be used toward the price of the car).

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The Truth About 0% Financing Auto Loans. In an effort to incentivize buyers in an otherwise stagnant market, the finance arms in partnership with key dealerships created the 0% financing deal. For some buyers, a 0% interest rate is enough to get them into a car salesman’s office, but for others, the financing offer seems too good to be true.

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Your auto loan history. In addition to your FICO score, you also have a FICO Auto Score. So if you only have fair to good credit, but you’ve never missed an auto loan payment, you may still qualify for 0% APR financing. Your down payment and/or the value of the vehicle you’re trading in. "The more you put down, the lower risk you are.

The Elantra SE offers a choice between $1,750 cash or 0% financing for 72 months plus a $500 bonus. On a $20,000 car, taking the rebate would cost $21,777 based on a 6-year loan at 6%. With the 0% offer, the same car would cost $19,500.

Usually when a lender helps you to buy a car or anything else, interest is charged as a way to generate a profit for the bank. This is why the existence of 0 percent car loans in Toronto can be so confusing. It’s natural to assume something which seems too good to be true is actually a scam.

Zero per cent financing, however, is a good deal if you can pay off your car in full by the end of the term, Hannah added. WATCH: Why car accident claims are skyrocketing 2:00 Why car accident.