Finance Your new and used automotive financing experts

You usually need an excellent or very good credit score of about 750-850 to qualify. If your credit’s not in that range, 0% financing might be off the table. But don't worry too much. Lenders also look at things like income, employment history, and your repayment history to see how you’ve handled payments in the past.

If you’re looking at $35,000 car to pay off over 72 months with no money down, your monthly payment would be around $486. That’s just an estimate, and it doesn’t consider the interest rate. For a closer estimate, use a payment calculator like ours here: Sota Payment Calculator.

To get 0% financing on a new car, you must be what lenders call a “well-qualified buyer”. That means having a solid credit score, likely in the excellent or very good range (750-850).

Interest rates vary based on credit score, vehicle model, term length, and current incentives. For new Chevrolet vehicles financed through GM Financial:

• Well-qualified buyers may qualify for 0% APR offers for a limited term (e.g., 36 months).
• Other terms show rates such as 1.9% APR for 36 months or 3.9% APR for 60 months for eligible buyers.
• Standard financing outside special promotions may run higher. Offers quote rates such as 5.9% APR for 84 months for well-qualified buyers.

Rates vary by market and dealer; always compare the offer with your own credit and financing options.