The Best Buy Now Pay Later Auto Deals

See below for the best new cars you can buy with 0 down, no credit checks and no payments for a long time.

In the evolving landscape of auto financing, Buy Now Pay Later (BNPL) has emerged as a game-changer. Offering an alternative to traditional loans, BNPL plans are reshaping how Americans finance their vehicle purchases. This innovative approach provides flexibility and ease, making car ownership more accessible than ever.

BNPL Automotive Financing

BNPL in automotive financing diverges significantly from conventional auto loans. These plans allow consumers to purchase a vehicle immediately and pay for it over time, often with little to no interest. Unlike traditional loans that require extensive credit checks and long-term commitments, BNPL arrangements offer shorter terms and sometimes no credit checks. This flexibility makes BNPL an attractive option for those with varying credit histories.

Advantages and Considerations

The primary allure of BNPL in the automotive sector is its convenience and the ability to spread out the cost of a vehicle over several payments. For buyers not keen on traditional financing routes or those looking for minimal commitment, BNPL offers an appealing alternative. However, consumers should be wary of the risks, such as the temptation to overspend and the potential impact on credit scores if payments are missed.

Best BNPL Deals Across Vehicle Types

BNPL deals vary significantly across different vehicle manufacturers.

Ford 0% APR Deals:

The 2022 Ford F-150 Truck offers 0% financing for 36 months, with a $1,000 bonus cash. The XLT model also offers 60 months of 0% financing with $2,000 cash back.
The 2023 Ford Escape SUV is available with 0% financing for 36 months and $1,000 cash back, with a starting MSRP of $28,000.
The 2023 Ford Mustang Passenger Car is offered with 0% financing for 36 months, applicable on SV, Pro-4X, and Platinum trim levels, with a starting MSRP of $27,770.
The 2022 Ford Edge SUV has a deal for 0% financing extending up to 72 months on SE, ST, SEL, and Titanium models.
The 2023 Ford Explorer SUV features 0% financing for 36 months, up to $3,000 cash back on the XLT model, and a starting MSRP of $35,510.

Nissan 0% APR Deals:

The 2023 Nissan Titan XD Truck is available with 0% financing for 60 months, applicable to SV, Pro-4X, and Platinum trim levels.
The 2023 Nissan Titan Truck offers 0% financing for 60 months on the SV, Pro-4X, and Platinum Crew Cab trim levels, with a $1,500 cash back for current Nissan and Infiniti lessees/owners.
The 2023 Nissan Murano SUV comes with 0% financing for 36 months and $1,000 bonus cash on SL or Platinum trim levels.
The 2023 Nissan Rogue SUV is available with 0% financing for 36 months on SV, PL, or Platinum trim packages.

Other Notable Deals:

Hyundai 0% APR Deals: The 2024 Hyundai Tucson (SE models) and 2023 Hyundai Santa Fe (SE models) are available with 0% financing for 60 months and no payments for 90 days, or $2,500 cash back.
Mitsubishi 0% APR Deals: The 2023 Mitsubishi Outlander is offered with 0% financing for 36 months.
Subaru 0% APR Deals: The 2023 Subaru Solterra is available with 0% for 72 months.
Dodge Offers: The 2023 Dodge Charger and Dodge Challenger have cash offers of up to $5,250 and $3,250, respectively.
Toyota Offers: The 2024 Toyota Corolla has a cash offer of up to $1,000 as part of the Toyota Lease Loyalty Program.

Conclusion

Buy Now Pay Later plans have opened new roads in the automotive financing landscape, offering consumers innovative ways to fund their vehicle purchases. As with any financial decision, it’s crucial to weigh the options and understand the terms. For many, BNPL offers a path to car ownership that aligns with their financial needs and lifestyle choices.