Getting zero financing is a reserve of the best customers. You will need to have a high credit rating to qualify for GM 0% financing. The actual history rating that you need for zero financing vary among dealer and thus, you may need to check with your local GM dealer. Nevertheless, customers with a credit score of above 680 are the most likely to get zero financing. That said, the benefit of zero financing can be extended to individuals with a rating of between 620 and 679.