How do people get those 0% APR car deals?

I prefer buying used and paying cash.

Wish I had your luck. I paid $16k for my Camry with a 750 credit score but still ended up with a 9.26% interest rate. Got it last year, and I can’t refinance because the finance guy is too busy to schedule a meeting and hasn’t responded to my emails.

@Marlowe
Sounds like the finance guy is dragging things out. They make money off that high interest rate. I’d look into refinancing with a credit union instead.

Is that a Honda Odyssey in your screenshot?

Clay said:
Is that a Honda Odyssey in your screenshot?

The left side is my Toyota Corolla, and the right side is the Odyssey. Different cars, but both with 0% APR.

Blayne said:
Which app is that?

The left one is the Toyota Financial app, and the right one is from the Honda Financial website.

Zaren said:
$36k for a Corolla?

No, that’s for the Odyssey.

Chambers said:

Zaren said:
$36k for a Corolla?

No, that’s for the Odyssey.

Gotcha, makes sense now.

You can pay through the Toyota app?

Zan said:
You can pay through the Toyota app?

Yeah, Toyota has two apps. One is for remote functions like starting the car, and the other is for managing your loan payments.

Hal said:

Zan said:
You can pay through the Toyota app?

Yeah, Toyota has two apps. One is for remote functions like starting the car, and the other is for managing your loan payments.

Thanks for the info!

I’ve got a 0% APR on my Mach-E right now. Just paid off my 0% loan on a 2019 Highlander that I got right after the 2020 models were released.

My comment got removed?

Grey said:
My comment got removed?

Yeah, the forum mods said it was too political, so they took it down.

Grey said:
My comment got removed?

Yeah, they thought it wasn’t suitable for the discussion, so it got pulled.

Grey said:
My comment got removed?

Doesn’t seem fair to me.