PhotoThis month may be a good time to shop for a new car. Not only are there some attractive bargains out there, interest costs are next to nothing. In fact, they are nothing.

Kelly Blue Book (KBB) pulled together some examples of what it considers the best new car deals and all of them happen to come with zero-percent financing. If you can qualify for that rate -- and most buyers, unfortunately, cannot -- the savings are even greater.

"The end of the year usually means a plethora of great deals available for car shoppers, and this fall is no exception," said Alec Gutierrez, senior market analyst of automotive insights for Kelley Blue Book's KBB.com. "With the annual model-year change-over now in full swing at dealerships across the nation, these deals may not last. Consumers interested in snagging zero-percent financing should act quickly while there are still 2012 models available."

In selecting what it considers the month's best deal, the automotive website focused on vehicles costing $25,000 or less. Of the models that fit that criteria, here are the top five:

2012 Toyota Camry LE

Totally redesigned for 2012, the Toyota Camry is the newest car on this month's list and remains the best-selling car in the country. Zero-percent financing isn't so common on newer models with such proven appeal, and that's why Camry takes the top spot this month.

Kelley Blue Book Fair Purchase Price: $21,802

60-month APR: 0%
Monthly payment: $363

Expiration date: 11/5/2012

2012 Ford Focus SE Sedan

In addition to styling, the new-for-2012 Ford Focus offers the kind of engaging, European-inspired driving dynamics American enthusiasts have long envied, according to KBB.

Kelley Blue Book Fair Purchase Price: $17,239

60-month APR: 0%
Expiration date: 1/2/2013

Monthly payment: $287

2012 Mazda MAZDA3 i Sport Sedan

Not the newest car in its class, the Mazda3 may still be the most fun to drive. New for 2012 is an optional "Skyactiv" powertrain that bumps up highway fuel economy to 40 mpg.

Kelley Blue Book Fair Purchase Price: $16,658

60-month APR: 0%
Expiration date: 10/31/2012

Monthly payment: $278

2012 FIAT 500 Pop

Smaller and less powerful than a Mini Cooper but with more personality than a Toyota Yaris, KBB says the Fiat 500 offers a unique combination of European heritage and subcompact practicality.

Kelley Blue Book Fair Purchase Price: $15,353

60-month APR: 0%

Expiration date: N/A
Monthly payment: $256

2012 Mitsubishi Outlander Sport ES

According to KBB, the 2012 Mitsubishi Outlander Sport features style and a 5-year/60,000-mile warranty and 7-year/100,000-mile powertrain warranty.

Kelley Blue Book Fair Purchase Price: $19,303

60-month APR: 0%
Expiration date: 10/31/2012

Monthly payment: $322

A recent J.D. Power and Associates study found that offers of zero percent financing are strong motivators to get consumers into new car showrooms. But be aware that you might not qualify unless you have a very good credit score.


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