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10 Best New Car Deals in January 2026: 0% APRs and Cheap Leases Just Announced
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!
The Fastest and Slowest Selling Cars in 2026
Navigating the 2026 car market can be a daunting task, especially for the unprepared. Knowing which cars are most negotiable, and which command the highest price premiums, is a valuable piece of information. When buying a car, knowledge truly is power. A critical piece of this knowledge is understanding the Market Day Supply (MDS).
MDS is a measure of the number of days it would take to sell all of a particular model of car, based on the current sales rate, assuming no additional inventory is added. A high MDS suggests an oversupply, potentially giving buyers leverage for negotiation, while a low MDS might indicate a seller’s market, where negotiating could prove tougher.
Using CarEdge Pro, we identified which new cars have the most and least inventory available in January 2026.
Why does inventory matter to car buyers?
Inventory influences negotiability. When there’s a glut of cars, dealers will be more inclined to negotiate with you. Slim pickings? Not so much. This valuable insight can give you an edge in your car buying journey, helping you save money and avoid the hassle.
Here are the fastest and slowest-selling cars and trucks in America right now.
The Top 10 in January 2026: New Cars With the Highest Inventory
These are the slowest-selling cars in the U.S. right now. At the top of the list, the Volkswagen ID.4 is the slowest-selling car in America in January. Four Stellantis models are the top 10, including two Alfa Romeo models, a Jeep, and a Maserati. None of these models received large 2026 shipments in recent weeks.
The average selling price for the 10 slowest-selling cars is $69,712 in January 2026, an increase largely due to the presence of the Porsche Taycan and BMW 8 Series in the top 10 this month.
Here are the 10 slowest-selling new cars, in other words, the models with the most inventory today.
| Make | Model | Market Day Supply | Total For Sale | 45-Day Sales | Average Selling Price |
|---|---|---|---|---|---|
| Volkswagen | ID.4 | 527 | 1,500 | 128 | $49,534 |
| Maserati | Grecale | 302 | 638 | 95 | $84,448 |
| Jaguar | F-PACE | 292 | 2,148 | 331 | $69,503 |
| Alfa Romeo | Giulia | 241 | 621 | 116 | $54,886 |
| Alfa Romeo | Stelvio | 217 | 887 | 184 | $55,467 |
| Buick | Envision | 217 | 8,352 | 1,735 | $40,150 |
| BMW | 8 Series | 203 | 1,899 | 421 | $112,270 |
| Jeep | Compass | 203 | 27,375 | 6,063 | $32,392 |
| Porsche | Taycan | 199 | 858 | 194 | $150,077 |
| Ford | Mustang | 195 | 19,157 | 4,413 | $48,391 |
There’s BIG potential for deals on any of these cars, but only with negotiation know-how.
👉 See local fastest and slowest sellers [free tool]
The Bottom 10 in January 2026: New Cars With the Lowest Inventory
On the other side of the coin, these are the fastest-selling cars today. This month, seven of the fastest-selling cars are Toyota models. The Camry is in the top spot, with just 22 days of market supply. The revamped RAV4 is in second place, and the Lexus NX and RX are very close behind.
The average selling price for the 10 fastest-selling cars is $77,355, the highest average on record. The sudden spike is due to the quick-selling Mercedes-Benz G-Class, Cadillac Escalade, and Escalade ESV on the list this month.
Here are the fastest-selling cars in America in January:
| Make | Model | Market Day Supply | Total For Sale | 45-Day Sales | Average Selling Price |
|---|---|---|---|---|---|
| Toyota | Camry | 22 | 26,898 | 56,058 | $35,209 |
| Toyota | RAV4 | 24 | 38,923 | 73,186 | $37,389 |
| Lexus | NX | 24 | 3,008 | 5,713 | $51,475 |
| Lexus | RX Hybrid | 25 | 5,027 | 9,227 | $64,200 |
| Cadillac | Escalade ESV | 25 | 1,149 | 2,057 | $127,519 |
| Toyota | Sienna | 26 | 8,302 | 14,640 | $52,247 |
| Cadillac | Escalade | 27 | 2,381 | 3,919 | $125,506 |
| Mercedes-Benz | G-Class | 29 | 1,062 | 1,643 | $201,631 |
| Toyota | Highlander | 30 | 5,480 | 8,100 | $52,703 |
| Toyota | Corolla | 30 | 22,210 | 33,310 | $25,666 |
👉 See local fastest and slowest sellers [free tool]
Free Car Buying Help Is Here
Ready to outsmart the dealerships? Download your 100% free car buying cheat sheets today. From negotiating a deal to leasing a car the smart way, it’s all available for instant download.
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Every Zero Percent Financing Offer For February 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 February 2026, there are 26 offers of zero-percent financing. Many of last month’s sales have carried over into February for a limited time. The majority of these offers expire on February 2, so check back on Tuesday, February 3 for fresh manufacturer incentives for Presidents Day 2026.
Here’s the complete rundown of every zero-percent offer currently on the table.
Chevrolet
Chevy’s electric models continue to feature zero percent financing in February. The EV tax credit is over, but GM isn’t turning down their incentives just yet as EV sales slow. Note that the popular Equinox EV is not eligible.
- 0% APR for 60 months for the electric Blazer EV and Silverado EV.
See Chevrolet local pricing insights
Dodge
The Dodge Charger Daytona EV is available with size years of zero-percent financing this month.
- 0% APR for 72 months for the 2025 Dodge Charger Daytona
The Charger Daytona is also eligible for $7,750 in cash discounts.
See Dodge local pricing insights
Ford
Ford is offering zero percent financing for two electric models, including the popular Mustang Mach-E. Ford’s zero-down lease deals are worth consideration too.
- 0% APR for 72 months: 2025 Ford F-150 Lightning, 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 February 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 February, 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 60 months for the 2025 Hyundai IONIQ 5 and IONIQ 6
See Hyundai local market insights + the BEST deals
Kia
​​Kia is offering several zero percent financing deals in February, 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 this month is for the all-electric Wagoneer S. Considering the high levels of Jeep inventory, you’d think there’d be more incentives from Stellantis this month.
- 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
Mitsubishi
Mitsubishi is offering zero percent financing for remaining 2025 Outlander inventory, but this offer ends soon.
- 0% APR for 60 months: 2025 Mitsubishi Outlander
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 five months, showing Nissan’s desire to win back market share it lost to Hyundai, Kia, and the big Japanese brands.
- 0% APR for 60 months for the 2026 Nissan Rogue, 2025 Nissan Pathfinder, and 2026 Nissan Murano
See Nissan local market insights
Ram
The best truck offer in February 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
- 0% APR for 60 months for the 2026 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 72 months: 2026 Subaru Solterra, 2025 Subaru WRX
- 0% APR for 36 months: 2025 Subaru Outback
For those looking to finance for longer, Subaru is also offering longer low-APR options for the Outback and Forester.
Is Now the Time to Buy?
This abundance of zero-interest financing deals confirms that in February, it’s still a buyer’s market. 660,000 new 2025 models remain unsold on dealership lots, and this are hands-down the most negotiable cars this month.
Cars aren’t getting any cheaper in 2026. If you’ve got your finances in order (the best deals are reserved for well-qualified buyers), now is a great time to buy if you’re taking advantage of a low-APR offer or cheap lease deal.
Tired of car buying hassles? Let us negotiate for you! Learn more about buying with CarEdge.
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
Download your 100% free car buying cheat sheets today. From negotiating a deal to leasing the smart way, it’s all available for instant download. Ready to let a car buying pro take the wheel? CarEdge Concierge is the easiest way to buy a car today. Our team finds the vehicle you want, right down to the finest of details, and negotiates on your behalf. Home delivery is available. Learn more about CarEdge’s car buying service.
The Best Deals on 3-Row SUVs and Minivans in February
If you’re in the market for a family vehicle, February is a great time to shop deals on three-row SUVs and minivans. Presidents Day sales are just around the corner, and dealers are sitting on rising inventory. Automakers are offering APRs as low as zero percent and lease specials to clear out 2025 inventory. We’re also beginning to see incentives on brand-new 2026 models, too.
Let’s dive into the top 3-row SUV and minivan deals available in February 2026.
Mid-Size 3-Row SUVs
2025 Kia Sorento
MSRP: $33,885 – $49,245
Financing Offer: 0% APR for 60 months, or $3,000 total cash savings. See details at Kia.com
Lease Offer: Lease the 2025 Sorento LX for $329/month for 24 months with $3,999 due
Safety Rating: Top Safety Pick +
Consumer Reports Overall Score: 68/100. See the full review.
Browse Sorento listings with the power of local market data
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
Minivan Deals This Month
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
2026 Chrysler Pacifica
MSRP: $41,340–$61,480
Financing and Cash Offer: Lease the 2026 Pacifica with 1.9% APR for 72 months or $7,500 cash allowance. See details at Chrysler.com
Lease Offer: Lease the 2026 Chrysler Pacifica Select for $439/month for 39 months with $3,849 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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