CarEdge Insights
Automakers have finally announced their first round of new car incentives for 2026. With inventory levels trending higher and 850,000 leftover 2025 models sitting on dealership lots, APR, cash, and lease savings can certainly be found. These are the top 10 year-end car deals in January 2026, featuring the deals with standout value in today’s car market. Although there are far fewer offers this month, there are still some gems to be found if you know where to look.
2026 Tesla Model Y
Best Deal in January: 0% APR for 72 months for the Model Y Standard Rear-Wheel Drive
The Model Y is still the best-selling EV in America, but as incentives wane and sales slow, Tesla is bringing out their best financing incentives ever. Just beware of steep depreciation when buying new. In fact, it’s smart to check used Tesla listings before committing to a new purchase.
2026 Ram 1500
Best Deal: 0% APR for 72 months on 2025 models, or 0% APR for 60 months on 2026 models
Ram is offering interest-free financing on both 2025s and brand-new 2026 Ram 1500 models. This is the best full-size truck deal on the market in January.
This offer expires on January 20, 2026. See offer details.
Browse Ram 1500 listings with the power of local market data
2026 Nissan Rogue
Best Deal in January: 0% APR for 60 months for the Rogue, as well as the 2025 Pathfinder and 2026 Murano
Nissan continues to fight hard to win back market share previously lost to Toyota, Honda, Kia, and Hyundai. In January, Nissan is offering zero-percent financing for three popular SUV models.
This offer expires on February 2, 2026. See offer details.
Browse Nissan Rogue listings with the power of local market data
2025 Ford F-150 STX
Best Deal in January: $0-down lease, $479/month for 36 months
The best-selling vehicle in America is now available with no money down. Ford’s zero-down lease on the F-150 STX is the best pickup truck lease in January. The STX comes well-equipped with features like the 2.7-liter turbocharged V6 engine.
This offer expires on January 20, 2026. See offer details.
Browse Ford F-150 listings with the power of local market data
2025 Mazda CX-50
Best Deal in January: 0.9% APR for 72 months
Low-APR financing for six years on one of the most well-rounded crossovers in its class is something to move on if you’re in the market. Mazda regularly offers low-APR offers for 60 months, but this sweetens the pot.
This offer expires on February 2, 2026. See offer details.
Browse Mazda listings with the power of local market data
2026 Toyota Corolla
Best Deal in January: Lease the 2026 Corolla SE frim $209/month for 36 months with $3,999 due
Urban commuters, take note. This is a steal considering the legendary reliability and overall value of the Toyota Corolla. If you’re not ready to go electric for your work or school commute, this is a great, affordable alternative.
This offer expires on February 2, 2026. See offer details.
Browse Toyota listings with the power of local market data
2026 Chevrolet Silverado 1500
Best Deal in January: Lease the 2026 Silverado 1500 LT 4WD from just $379/month for 36 months with only $1,379 due
Although Ford’s F-150 lease deal is even better, Chevy loyalists will have a hard time beating this Silverado lease deal with little money due at signing. It’s a great offer for those who want a full-size pickup without owning it long term.
This offer expires on January 2, 2026. See offer details.
Browse Silverado listings with the power of local market data
2025 Ford Bronco Sport
Best Deal in January: This zero-down lease for the 2025 Bronco Sport Big Bend 4×4 starts at $399/month for 36 months with just the first month due at signing.
The off-road capable crossover segment has gotten crowded in recent years. Now, Ford is fighting to reclaim market share with a zero-down lease deal for the Bronco Sport Big Bend.
This offer expires on February 2, 2026. See offer details.
See Bronco Sport listings with the power of local market data
2025 Ford Explorer
Best Deal in January: Lease the Explorer Active 4WD from $499/month for 36 months with $499 due at signing
Ford’s best-selling family SUV is available for a dirt-cheap lease in January. Time is of the essence, as this offer expires right after MLK Jr. Day, so act fast.
This offer expires on January 20, 2026. See offer details.
Browse Explorer listings with the power of local market data
2026 BMW X3
Best Deal in January: 1.9% APR for 60 months
In early 2026, BMW has more inventory than they’re used to. In order to move the metal, they’re offering a rare low-APR offer on a top-selling model in the entry-level luxury market, the 2026 BMW X3 xDrive.
This offer expires on February 2, 2026. See offer details.
Browse BMW X3 listings with the power of local market data
January’s deals show automakers face mounting inventory
Last month’s huge sales have now been followed up with fewer true gems. Last month, there were 44 offers of zero-percent financing. In January 2026, there are just 18 interest-free deals. Still, these ten top incentives show that inventory is building for some models, and automakers are looking to get ahead before they have a problem on their hands. For buyers and lessees, that’s good news. It’s still a buyer’s market in January.
Tired of the car buying hassle? CarEdge Concierge handles the entire process for you, from finding the right vehicle to negotiating the best price. Or, if you prefer a DIY approach with professional tools, CarEdge Pro gives you insider data and an AI agent to negotiate on your behalf.
We’re here to help!
0 Comments