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Every Zero Percent Financing Offer For January 2026
In a clear sign that we’ve entered a strong buyer’s market, 0% APR financing offers are more abundant than at any point in at least the last few years. In January 2026, there are 44 offers of zero-percent financing. Many of last month’s year-end sales have carried over into the new year for a limited time.
The timing makes sense: dealers need space for new 2026 inventory, and they’d rather offer you free money than sit on aging 2025 models, or in some cases, leftovers from 2024s. Here’s the complete rundown of every zero-percent offer currently on the table.
Note: Manufacturers will release new offers by January 6, 2026. Check back for updates.
Chevrolet
Chevy’s electric models continue to feature zero percent financing in January. The EV tax credit is over, but GM isn’t turning down their incentives just yet as EV sales slow.
- 0% APR for 60 months for the electric Equinox EV, Blazer EV and Silverado EV.
- 0% APR for 36 months for the 2025 Silverado 1500, 2026 Trailblazer, 2026 Equinox
See Chevrolet local pricing insights
Dodge
The Hornet is consistently one of the slowest-selling cars in America. Finally, Dodge is offering zero percent APR for the Hornet. The brand-new Dodge Charger Daytona EV is also available with zero percent financing.
- 0% APR for 72 months for the 2024 Dodge Charger Daytona and 2024 Dodge Hornet eAWD
See Dodge local pricing insights
Ford
Ford is offering zero percent financing for four models, including the popular Explorer and F-150. However, since this is only valid for 36 months, Ford’s zero-down lease deals are worth consideration too.
- 0% APR for 36 months: 2025 Ford Explorer, 2025 Ford F-150, 2025 Ford Super Duty, 2025 Mustang Mach-E
Genesis
Very rarely does Genesis offer zero percent financing, but it’s now an option for the electrified GV70.
- 2026 Genesis GV70 Electrified: 0% APR for 60 months
GMC
GMC is offering 0% APR financing for the popular Sierra 1500 this month, although this incentive is limited to 36 months.
- The 2025 and 2026 GMC Sierra 1500 and Hummer EV are available with 0% APR for 36 months.
See GMC local pricing insights and listings
Honda
Unfortunately, the only zero percent APR financing Honda is advertising in January is for the 2025 Prologue EV. As a top-selling brand with rapid inventory turnover, don’t expect Honda to offer 0% financing often.
The 2025 Honda Prologue is available with 0% APR for 60 months.
See Honda local pricing insights and listings
Hyundai
In January, Hyundai is wrapping up year-end sale season with zero percent financing. With federal EV incentives gone, Hyundai is bringing out the big guns to sell EVs.
- 0% APR for 72 months for the 2025 Hyundai IONIQ 5
- 0% APR for 60 months for the 2025 Hyundai Santa Fe, 2025 Hyundai Tucson
- 0% APR for 48 months: 2025 Hyundai IONIQ 6
See Hyundai local market insights + the BEST deals
Kia
Kia is offering several zero percent financing deals in January, including some of the best offers of the month:
- 0% APR for 72 months: 2025 Kia EV6
- 0% APR for 72 months: 2025 Kia Niro EV
- 0% APR for 60 months: 2025 Kia Niro
- 0% APR for 60 months: 2026 Kia EV9
See Kia local market insights + the BEST deals
Jeep
Jeep’s only zero percent APR offer in January is for the all-electric Wagoneer S.
- 0% APR for 72 months: 2025 Jeep Wagoneer S
See Jeep local pricing insights and listings
Lexus
Now with a vast improvement in range and charging for 2026, the Lexus RZ is available with 0% APR financing for 72 months.
- 0% APR for 72 months: 2026 Lexus RZ
Lincoln
Hands down, Lincoln has the best luxury car incentives right now, with zero percent financing making a rare appearance.
- 0% APR for 48 months: 2025 Lincoln Corsair, 2025 Lincoln Nautilus, 2025 Lincoln Aviator
Mitsubishi
Mitsubishi is offering zero percent financing for ALL 2025 inventory, but these offers end soon.
- 0% APR for 60 months: 2025 Mitsubishi Outlander, Eclipse Cross, and Outlander Sport
See Mitsubishi local market insights + the BEST deals
Nissan
Nissan continues to offer competitive financing deals for their most popular crossover models. This offer has been ongoing for four months, but is likely to end next month.
- 0% APR for 60 months for the 2025 Nissan Rogue, 2025 Nissan Pathfinder, and 2025 Nissan Murano
See Nissan local market insights
Ram
The best truck offer in January 2026 is this exceptional zero percent financing deal for 72 months for the 2025 Ram 1500. Ford and Chevy can’t match that, although the F-150 is available to lease for under $1,000 down. See the best truck deals of the month here.
- 0% APR for 72 months for the 2025 Ram 1500
Subaru
Subaru’s U.S. sales have been falling, and now the automaker is out with 0% financing for a popular model.
- 0% APR for 36 months: 2025 Subaru Outback
For those looking to finance for longer, Subaru is also offering 0.9% APR for 72 months for the Outback.
Volkswagen
This month, Volkswagen is offering a zero percent financing deal for the Taos, and is no longer offering interest-free financing for the ID.4.
- 0% APR for 60 months: 2025 Volkswagen Taos
- 0% APR for 72 months: 2025 Volkswagen ID.4
See VW local market insights + the BEST deals
Is Now the Time to Buy?
Year-end sales are wrapping up in January 2026. Smart shoppers are rushing to take advantage of these deals before they expire later this month. In January, we’re seeing several great financing deals remain for well-qualified buyers. With that in mind, if you see a deal you want, it’s smart to get your financed in order and buy now. Cars won’t be getting any cheaper in 2026.
Tired of car buying hassles? Let AI negotiate for you! Learn more about CarEdge’s NEW AI Negotiator, recently featured in Fortune!
The Best Truck Deals in January: Ram and Ford Steal the Show
In January 2026, the best truck deals offer low-APR financing, cheap leases, and cash discounts. With 2025 models aging quickly and dealers looking to make space for 2026 models, it’s a great time for negotiating. Or, you can let AI do it for you. Here’s our guide to the best full-size truck deals of January.
Automakers release their deals between the first and fifth of each month, so check back soon for the latest.
2025 Ram 1500: Zero Percent Financing
Starting MSRP: $42,370 – $89,170
Average Selling Price: $58,875
2025 Ram 1500: 0% APR for 72 months, or 10% below MSRP with 3.9% APR for 72 months
See Ram 1500 listings with local market data, or have AI negotiate for you (NEW!)
2025 Ford F-150: The Best Lease Deal
Starting MSRP: $39,645 – $77,495
Average Selling Price: $59,390
Lease the 2025 F-150 STX for $477/month for 36 months with $477 due at signing. This is the best truck lease of the month.
Interested in APR savings? The 2025 Ford F-150 is available with 2.9% APR for 60 months.
Learn more at Ford.com.
See Ford F-150 listings near you, or have AI negotiate for you (NEW!)
2025 GMC Sierra 1500: Big Cash Discounts
Starting MSRP: $39,145 – $86,890
Average Selling Price: $61,025
0% APR for 36 months, or up to $8,000 in cash savings. Offers are NOT combinable.
Looking to lease? Current lessees of GM vehicles are eligible to lease the 2025 Sierra 1500 Elevation from $299/month for 24 months with $4,009 due.
GM is offering big incentives on both the Sierra 1500 and Silverado 1500.
See GMC Sierra 1500 listings with local market data
2025 Chevrolet Silverado 1500: APR and Lease Deals
For January 2026, Silverado 1500 is offered with 2.9% APR for 72 months.
Current lessees of Chevrolet models are eligible to lease a 2025 Silverado 1500 Crew Cab 4WD LT for $379/month for 36 months with just $1,359 due at signing.
Starting MSRP: $37,845 – $68,695
Average Selling Price: $54,021
See Chevrolet Silverado 1500 listings with local market data
2025 Chevrolet Silverado EV
Starting MSRP: $74,800+
Average Selling Price: $82,994
0% APR for 60 months: 2025 Chevrolet Silverado EV
Considering an electric truck? If you’re not, you might give it some thought with 0% APR financing for 60 months on the Chevy Silverado EV. The Silverado EV gets up to 440 miles of all-electric range, and charges very fast at public fast chargers.
See Chevrolet Silverado EV listings with local market data
Free Car Buying Help Is Here
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The Best Deals on 3-Row SUVs in January: Year-End Sales Continue Into 2026
If you’re in the market for a family SUV, January is a great time to shop deals on three-row SUVs. Automakers are offering APRs as low as zero percent and lease specials for under $200/month to clear out 2025 inventory. In fact, many of last year’s December clearance sales continue this month. Let’s dive into the top 3-row SUV deals available in January 2026.
Mid-Size 3-Row SUVs
2025 Hyundai Palisade
MSRP: $38,045 – $55,245
Financing Offer: 1.99% APR for 48 months, plus $3,750 total cash savings. See details at HyundaiUSA.com
Lease Offer: Lease the 2025 Palisade SE for $369/month for 36 months with $3,999 due
Safety Rating: Top Safety Pick
Consumer Reports Overall Score: 79/100. See the full review.
Browse Palisade listings with the power of local market data
2025 Mazda CX-90
MSRP: $39,220 – $57,325
Financing Offer: 2.9% APR for 60 months for the 2025 CX-90. Learn more at MazdaUSA.com
Safety Rating: Top Safety Pick Plus
Consumer Reports Overall Score: 64/100. See the full review.
Browse Mazda CX-90 listings with the power of local market data
Jeep Wagoneer
MSRP: $64,945 – $90,625
Financing Offer: No payments for 90 days when financing with Stellantis. No APR offers are advertised, so ask your local dealer.
Safety Rating: See the latest IIHS crash test results
Consumer Reports Overall Score: 54/100. See the full review.
Browse Jeep Wagoneer listings with the power of local market data
2025 Jeep Grand Cherokee
MSRP: $62,485 – $81,184
Financing Offer: 0% APR for 60 months for the 2025 Jeep Grand Cherokee.
Safety Rating: Top Safety Pick
Consumer Reports Overall Score: 45/100
See Jeep Grand Cherokee listings with the power of local market insights
2025 Volkswagen Atlas
MSRP: $39,420 – $54,515
Financing Offer: 0.9% APR for 60 months, or a $3,500 cash bonus. Learn more at VW.com
Lease Offer: Lease the 2025 Atlas SE Tech for $599/month for 36 months with $0 due at signing.
Safety Rating: Top Safety Pick
Consumer Reports Overall Score: 53/100. See the full review.
Browse VW Atlas listings with the power of local market data
2025 Kia Telluride
MSRP: $37,585 – $54,780
Financing Offer: 0.9% APR for 60 months. See details at Kia.com
Lease Offer: Lease the 2025 Telluride S for $379/month for 36 months with $3,999 due
Safety Rating: Top Safety Pick Plus
Consumer Reports Overall Score: 76/100. See the full review.
Browse Telluride listings with the power of local market data
2026 Kia EV9 (electric 3-row SUV)
MSRP: $56,395 – $75,395
Financing Offer: 0% APR for 60 months. See details at Kia.com
Lease Offer: Lease the 2026 Kia EV9 for $449/month for 24 months with $3,999 due
Safety Rating: Top Safety Pick
Consumer Reports Overall Score: 73/100. See the full review.
Browse Kia EV9 listings with the power of local market data
2025 Chevrolet Traverse
MSRP: $39,495 – $55,595
Lease Offer: Lease the Traverse LT from $499/month for 24 months with $5,199 due for eligible lessees.
Financing Offer: 1.9% APR for 36 months. See details at Chevrolet.com
Safety Rating: Top Safety Pick
Consumer Reports Overall Score: 74/100
Browse Traverse listings with the power of local market data
Full-Size SUVs (with 3rd Row)
2025 Chevrolet Suburban
MSRP: $58,195 – $81,895
Financing Offer: Check with your local dealer. See details at Chevrolet.com
Lease Offer: No lease specials are advertised.
Safety Rating: 4-Stars
Consumer Reports Overall Score: 59/100. See the full review.
Browse Tahoe listings with the power of local market data
2025 Chevrolet Tahoe
MSRP: $58,195 – $81,895
Financing Offer: Check with your local dealer. See details at Chevrolet.com
Lease Offer: $879/month for 36 months with $8,879 due at signing for the 2025 Tahoe.
Safety Rating: 4-Stars
Consumer Reports Overall Score: 53/100. See the full review.
Browse Tahoe listings with the power of local market data
2025 Ford Expedition
MSRP: $57,625 – $85,795
Financing Offer: Ford is not currently advertising national APR incentives for the Expedition. See details at Ford.com
Lease Offer: Ford is not currently advertising nationwide lease offers for the Expedition.
Safety Rating: 5-Stars
Consumer Reports Overall Score: 60/100. See the full review.
Browse Expedition listings with the power of local market data
3-Row Minivans
2025 Kia Carnival MPV
Kia loves to call the Carnival a multi-purpose vehicle (MPV), and it’s not a bad name for such a versatile and ‘cool’ minivan. the Carnival is a favorite of families who prefer to cruise in style, three rows and all.
MSRP: $37,895 – $51,995
Financing Offer: 3.9% APR for 48 months. See details at Kia.com
Lease Offer: Lease the 2025 Carnival MPV LX for $419/month for 24 to 36 months with $3,999 due.
Safety Rating: Not awarded. See safety test details.
Consumer Reports Overall Score: 79/100. See the full review.
Browse Kia Carnival listings with the power of local market data
2025 Chrysler Pacifica PHEV
MSRP: $41,340–$61,480
Financing and Cash Offer: Lease the 2025 Pacifica Plug-In Hybrid with 0% APR for 72 months or $7,500 cash allowance. See details at Chrysler.com
Lease Offer: Lease the Pacifica Touring Plug-In Hybrid for $499/month for 36 months with $4,499 due.
Safety Rating: Top Safety Pick
Consumer Reports Overall Score: 70/100. See the full review.
Browse Pacifica listings with the power of local market data
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The Fastest and Slowest Selling SUVs in December 2025
In 2025, some SUVs and crossovers are being scooped up as soon as they hit the lot, while others are sitting unsold for more than six months. Whether you’re a buyer looking for a deal or a seller trying to time the market, understanding which SUVs are moving (or not) is essential.
We analyzed December car market data to find the SUVs with the lowest and highest market day supply (MDS). MDS is a measure of how many days it would take to sell through current inventory at the current sales pace. Here are the winners and losers in 2025’s SUV market.
Top 10: The Fastest-Selling SUVs Right Now
These are the SUVs and crossovers with the lowest market day supply as of December 2025. That means they’re in high demand right now, and are likely harder to negotiate on due to limited availability.
| Make | Model | Market Day Supply | Total For Sale | 45-Day Sales | Average Selling Price |
|---|---|---|---|---|---|
| Audi | Q5 | 21 | 546 | 1,198 | $59,913 |
| Toyota | Highlander | 26 | 5,408 | 9,238 | $52,294 |
| Lexus | GX | 30 | 2,505 | 3,708 | $80,358 |
| Toyota | Corolla Cross | 35 | 15,932 | 20,331 | $31,303 |
| Toyota | Sequoia | 36 | 4,269 | 5,375 | $83,585 |
| Lexus | RX | 36 | 7,307 | 9,189 | $59,257 |
| Toyota | RAV4 | 39 | 69,716 | 80,310 | $37,424 |
| Cadillac | Escalade ESV | 39 | 1,713 | 1,987 | $126,778 |
| Lexus | RX Hybrid | 43 | 6,381 | 6,725 | $63,418 |
| GMC | Yukon | 43 | 5,393 | 6,118 | $88,398 |
Source: CarEdge Pro
In an unusual hiccup, the Audi Q5 is the fastest-selling SUV this month. Audi is selling down the 2025 Q5 with compelling incentives as dealers prepare for incoming 2026 models. We don’t expect the Q5 to be on this list much longer.
Seven of the top 10 fastest-selling SUVs in 2025 are Toyota or Lexus models. With Consumer Reports naming Toyota as the most-reliable brand (again), more shoppers are flocking to their lineup. No one wants a $50,000 car that lacks in reliability. Car buyers are valuing reliability and affordability above all else right now, and the latest data reflects that.
The Slowest-Selling SUVs in December 2025
These SUVs have the highest market day supply, which means they’re sitting unsold for longer. Buyers may be able to score better deals on these slowest-selling SUVs in December, especially with this new AI negotiator doing the work for you.
| Make | Model | Market Day Supply | Total For Sale | 45-Day Sales | Average Selling Price |
|---|---|---|---|---|---|
| Volkswagen | ID.4 | 471 | 1,371 | 131 | $48,036 |
| Subaru | Solterra | 411 | 868 | 95 | $41,463 |
| Jeep | Grand Wagoneer | 400 | 1,254 | 141 | $96,557 |
| Alfa Romeo | Stelvio | 314 | 886 | 127 | $57,297 |
| Maserati | Grecale | 299 | 672 | 101 | $82,381 |
| Jaguar | F-PACE | 267 | 2,136 | 360 | $70,204 |
| Jeep | Compass | 222 | 26,303 | 5,320 | $31,805 |
| Lexus | NX PHEV | 221 | 2,112 | 430 | $67,380 |
| Land Rover | Discovery Sport | 211 | 641 | 137 | $53,008 |
| Lincoln | Nautilus | 207 | 13,629 | 2,963 | $62,969 |
Source: CarEdge Pro
With the federal EV tax credit now over, the Volkswagen ID.4 and Subaru Solterra have jumped to the top of the list, with well over one year of supply. Several of the others fall into the luxury segment. With recent inflation and persistently high interest rates, buyers are thinking twice about buying luxury vehicles in 2025.
Four Stellantis models are in the bottom 10 this month. Jaguar’s F-PACE has been a slow-selling model for all of 2025, despite being the top model by volume for the British automaker.
For any of these slow-selling SUVs, prices will be more flexible if you come equipped with negotiation know-how.
What This Means For SUV Shoppers
If you’re looking for a deal, start with the slowest sellers this month. High inventory levels mean dealers are likely motivated to talk pricing if you negotiate with confidence. It’s always best to take a look at the best incentives of the month, too.
“If you’re shopping for a slow-selling SUV, the ball is in your court,” says auto industry veteran Ray Shefska. “Dealers know those vehicles aren’t moving, and that gives you the upper hand in price negotiations.”
Shopping Toyota, Honda, or Lexus? Expect tighter inventory and less room for negotiation. You may need to move quickly if you find the right trim. However, this is no reason to pay for unwanted add-ons or dealer markups!
Want Help Navigating the SUV Market?
With CarEdge Concierge, our experts do the legwork for you, from researching inventory to negotiating with dealers. Already know what you want? Use our AI Negotiation Expert service and have CarEdge AI negotiate with car dealers anonymously!
Explore more free tools and resources with car buying guides, cost of ownership comparisons, and downloadable cheat sheets. There’s no reason to shop unprepared in 2025.
About CarEdge
CarEdge is a trusted resource for car buyers, offering data-backed insights, negotiation tools, and expert guidance to help consumers save time and money. Since 2019, CarEdge has helped hundreds of thousands of drivers navigate the car-buying process with confidence. Learn how to buy a car the easy way at CarEdge.com.
10 Best Year-End Car Deals: Most Deals Expire January 5th
Year-end sales are officially here, and automakers are throwing everything they have at 2025 sales numbers. With inventory levels running higher than expected and 2026 models arriving on lots, manufacturers are rolling out their most aggressive incentives of the year. These are the top 10 year-end car deals in the first week of 2026. If you’ve been waiting for the right moment to buy, this is it.
2025 Honda Civic LX
Best Deal: $0-down lease, $350/month for 36 months
The Civic remains one of the best values in the compact car segment, and this zero-down lease makes it even more accessible. No upfront cash means you can drive home in a reliable, fuel-efficient sedan without draining your savings account.
This offer expires on January 5, 2026. See offer details.
Browse Honda Civic listings with the power of local market data
2025 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 outgoing 2025s and brand-new 2026 models. That’s six full years without paying a dime in interest if you go with the 2025. For buyers who prefer the latest model year, the 2026 still gives you five years at zero percent. Either way, you’re saving thousands compared to typical loan rates.
This offer expires on January 5, 2026. See offer details.
Browse Ram 1500 listings with the power of local market data
2025 Volkswagen Tiguan [Offer expires 1/2/26]
Best Deal: $0-down lease, $419/month for 36 months
Volkswagen is making it easy to get into a well-equipped compact SUV with no money down. The Tiguan SE comes with a solid feature set, including all-wheel drive in most configurations, making this one of the better no-commitment deals of the season.
This offer expires on January 2, 2026. See offer details.
Browse Volkswagen Tiguan listings with the power of local market data
2025 Ford F-150 STX
Best Deal: $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 one of the most competitive truck offers this December, especially considering the STX trim comes well-equipped with features like the 2.7-liter turbocharged V6 engine.
This offer expires on January 5, 2026. See offer details.
Browse Ford F-150 listings with the power of local market data
2025 Ford Explorer Active
Best Deal: $0-down lease, $499/month for 36 months
Ford’s three-row SUV is getting the zero-down treatment for year-end. The Explorer Active comes with rugged styling and standard all-wheel drive, making it a solid choice for families who need space without the commitment of a large down payment.
This offer expires on January 5, 2026. See offer details.
Browse Ford Explorer listings with the power of local market data
2025 Ford Escape
Best Deal: $4,000 cash back (up to 13% off MSRP)
If you prefer to buy rather than lease, the Escape is delivering serious cash savings. With $4,000 in rebates available, you’re looking at up to 13% off the sticker price on select trims. That’s one of the deepest discounts we’ve seen on a compact SUV this year.
This offer expires on January 5, 2026. See offer details.
Browse Ford Escape listings with the power of local market data
2025 Infiniti QX50 [Offer expires 1/2/26]
Best Deal: $6,500 cash offer (equal to 15% off MSRP)
Infiniti is offering the single largest cash incentive on our list. A $6,500 discount equals roughly 15% off the MSRP, putting this luxury compact SUV within reach of buyers who might otherwise shop mainstream brands. If you’ve been considering a step up to a premium vehicle, this is your opportunity. But it’s also your last chance to own this model. The QX50 will be discontinued in 2026.
This offer expires on January 2, 2026. See offer details.
Browse Infiniti QX50 listings with the power of local market data
2025 Lincoln Corsair
Best Deal: 0% APR for 48 months, or lease from $499/month for 36 months with just $499 due at signing
Lincoln is giving buyers flexibility with two strong offers. Take the zero-percent financing for four years if you’re buying, or go with the ultra-low $499 down lease if you prefer lower commitment. Either way, you’re getting into a luxury SUV with minimal financial strain.
This offer expires on January 5, 2026. See offer details.
Browse Lincoln Corsair listings with the power of local market data
2026 Toyota Corolla SE
Best Deal: Lease from $179/month for 39 months with $3,999 due at signing
Toyota’s most affordable lease of the season lands on the redesigned 2026 Corolla SE. At just $179 per month, this is one of the lowest payments you’ll find on any new car right now. The upfront cost is higher than some competitors, but the monthly savings add up quickly.
This offer expires on January 5, 2026. See offer details.
Browse Toyota Corolla listings with the power of local market data
2026 Nissan Rogue SV AWD
Best Deal: 0% APR for 60 months, or lease from $279/month for 36 months with $4,489 due at signing
Nissan is bringing back zero-percent financing on the Rogue for year-end. Five years interest-free is hard to beat, especially on a redesigned model with fresh styling and updated tech. If you prefer to lease, the $279 monthly payment on the all-wheel drive SV trim is competitive for a well-equipped compact SUV.
This offer expires on January 5, 2026. See offer details.
Browse Nissan Rogue listings with the power of local market data
Year-End Sales Are the Best Deals We’ll See For Months
December is always the best time to buy a car, and 2025 was no exception. But if you’re a little late to the game, most of these sales are good through January 5, 2026. Automakers are under pressure to sell remaining 2025 models, and in early 2026, that pressure translates into savings for you.
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.
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