I am thinking about buying a new car, a Toyota Corrolla, and the advertised interest rate is 0.0% for well-qualified buyers.

Does anyone know what that is? I have a score of 730, do you think I would qualify? Is it based on score alone or also how much debt you have? Thanks!

Credit score under these circumstances is 720. You get instant financing

720+ is the ideal credit score. Your debt to income ratio is considered but has far less impact on auto loans than home loans.