Zero Percent Financing on Cars

Imagine driving home in your brand-new Ford without paying a single dollar in interest. At Mtn. View Ford, we often see the excitement customers feel when zero percent financing is offered. It means paying exactly the price agreed upon, with no extra interest charges. If you wonder how this type of financing works and whether it's a good fit for you, let's break it down.

What is Zero Percent Financing on Cars?

Zero percent financing means borrowing money to purchase a vehicle without paying any interest over a specific loan term. These incentives are mostly offered on new cars. Rather than paying interest, your payments simply go toward the overall price of your Ford.
Here's how it works: if your car costs $30,000 and you have five-year zero percent financing, you'll divide $30,000 evenly over 60 monthly payments. There's no additional interest-just straightforward budgeting.
The greatest advantage is no interest payments throughout your loan period. Yet, there are some factors to keep in mind. Generally, these kinds of promotions are available only on selected inventory or certain model trim levels.
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Qualifications for Zero Percent Financing on Cars

Qualifying for zero percent financing usually requires strong credit. From what we've seen, buyers typically need a credit score of 700 or higher to qualify for these special deals.
Still working on your credit? You can improve your chances by paying down debts promptly and regularly checking your credit report for accuracy. Lowering your debt-to-income ratio and raising your credit score opens more opportunities for qualifying in the future.
Sometimes, obstacles pop up during the application process. For instance, high debt levels or irregular payment histories might cause initial rejection. Don't get discouraged, though. Speak openly with our finance specialists if we have that offer available. They can walk you through solutions or alternative financing options that suit your budget.
Pros and Cons of Zero Percent Financing on Cars
Pros
  • You pay no interest at all during the loan period.
  • You could see substantial savings compared with conventional loans.
  • Fixed monthly payments allow easy financial management and stability.
Cons
  • Usually requires a high credit score.
  • Available primarily on select models and trims.
  • Higher penalties often exist if you miss or make late payments.
How to Find Zero Percent Financing Deals on Cars
Timing matters when seeking zero percent offers. Manufacturers frequently introduce these deals during special promotions or clearance events, such as year-end sales or holiday periods. Around these times, you'll notice more advertised financing incentives designed to move inventory quickly.
Don't hesitate to speak candidly with our sales team about available promotions and incentives. We value transparency and honesty, so ask about potential offers early in your discussion.
Visit our dealership's website regularly to check current promotions. At Mtn. View Ford Lincoln, we've proudly served Chattanooga customers for over 35 years because we prioritize honesty and customer satisfaction. Visit us anytime to discuss how we can help put you behind the wheel of a new Ford today.

  1. Mtn. View Ford Lincoln

    301 E. 20th St.
    Chattanooga, TN 37408

    • Sales: 423-756-1331
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