No one ever qualifies for 0%. My Dad was looking at a Dmax, with perfect credit (like zero debt, house, vehicles, everything paid for) didn't qualify. I've never known anyone to get 0%. Best thing to do is not finance it thru GM. Do it through your bank, walk into the dealership and cut them a check. The price will drop real fast then. My truck dropped about 6k under sticker doing that.