Car loans · Updated Oct 17, 2026

Zero down car financing for October 2026

Auto loans that let you finance the full price with no down payment. Most 0% APR dealer offers still expect money down, so only true zero-down loans are listed.

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Navy Federal new and used auto loan

Car financingNavy Federal Credit UnionChecked Oct 17, 2026

APR from 3.89%100% financing available

Navy Federal advertises 100% financing on auto loans, so you can finance the full price with nothing down if approved. New-car APRs start at 3.89% for 36 months with excellent credit.

New todayCredit union membershipApproved credit12 to 96 months

Navy Federal

Lease payments exclude tax, title and dealer fees and usually need top-tier credit. “$0 down” can still mean a first payment, taxes or fees at signing; the price column shows what is due. Offers change often, so confirm with the provider.

GuideHow to buy a car with no money downZero-down car loans explained: who offers 100% auto financing, what it costs, how to avoid being upside down, and today’s live no-money-down auto loan offers.Read the guide →

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