Interest rates remain high heading into 2025, yet smart buyers secure zero percent financing each and every day. If you’re thinking of financing a new car, you’ll want to take advantage of manufacturer incentives to save thousands. These are the best new car finance deals for January 2025. 

👉 Note that automakers release their monthly deals around the second to the fifth of each month. Check back for updates this weekend!

The Best Auto Loan Rates For New Cars in January

We’ve compiled every manufacturer’s financing incentives below, but these are the best loan deals with the lowest auto loan rates this month. Automakers update their incentives between the second and fifth business day of each month. Check back for updates! As you can see, zero percent financing is on the rise in a big way…

• Zero Percent Financing In January 2025: 2024 Chevrolet Equinox EV, Blazer EV, Silverado EV; 2024 Dodge Hornet; Hyundai Santa Fe, Tucson, Elantra, Sonata; Most Jeep models; GMC Sierra 1500; Kia Sportage, Sorento, EV9, EV6, Niro EV; Mazda CX-50, CX-30, CX-5, Mazda3; Nissan Titan, Pathfinder, Rogue; Subaru Solterra; Volkswagen Tiguan

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Let’s dive into every automaker’s financing and cash offers for January 2025.

BMW Financing Deals

2.99% APR for the BMW X5, 2-Series, i4, i5, i7 electric sedans and iX electric SUV

These offers expire on 2/2/2025. Learn more at BMWUSA.com

👉 See BMW listings with local market insights

Buick Financing Deals

0.9% APR for 36 months for the 2024 Envision, 204-2025 Buick Encore GX, 2025 Buick Enclave

These offers expire on 3/3/2025. See details at buick.com

👉 Browse Buick listings with local market insights

Cadillac Financing Deals

Cadillac has these APR offers for new cars this month:

3.9% APR for 36 months for the 2024 Lyriq, XT4, XT5, XT6, as well as CT4 and CT5 luxury sedans

Cadillac is also offering various cash incentives of up to $2,500 for select models.

These offers expire on 3/3/2025. Learn more at Cadillac.com.

👉 See Cadillac listings with local market insights

Chevrolet Financing Deals

Chevrolet is offering low APR offers for multiple models for January car shoppers:

0.9% APR for 60 months and no payments for 90 days: Equinox EV, Blazer EV, Silverado EV

1.9% APR for 36 months and no payments for 90 days: 2025 Blazer, 2024 Colorado, 2025 Malibu

Up to $6,250 cash allowance on the 2024 Chevrolet Silverado 1500.

These offers expire on 3/3/2025. Learn more at chevrolet.com

👉 See Chevrolet listings near you with local market insights

Dodge Financing Deals

These are Dodge’s financing offers this month:

0% APR for 72 months: 2024 Dodge Hornet eAWD

Cash offer: Current FCA lessees get up to $6,450 in bonus cash allowance when financing the purchase of a new Dodge.

Learn more at Dodge.com. These offers expire on 2/3/25.

See Dodge listings with local market data.

Ford Financing Deals

In early January 2025, these are the best cash and financing offers from Ford. Zero percent financing is available for Ford EVs!

0% APR for 72 months: 2024 Mustang Mach-E

0% APR for 60 months: 2024 F-150 Lightning

3.9% APR for 60 months + $3,350 bonus cash: 2024 F-150

These offers expire on 2/3/2025. Learn more at Ford.com.

👉 See Ford listings with local market insights

GMC Financing Deals

GMC has some of the best financing offers in January, including more zero percent financing than was offered during year-end sales:

0% APR for 60 months: 2024 GMC Hummer EV

0% APR for 36 months: 2024 GMC Sierra 1500 or $6,000 cash allowance

0.9% APR for 36 months: 2024 GMC Terrain

These offers expire on 3/3/2025. Learn more from GMC.

👉 See GMC listings with local market insights

Honda Financing Deals

Honda is advertising these financing offers for January:

0% APR for up to 72 months: 2024 Honda Prologue electric SUV

1.9% APR for 60 months: 2025 Honda Passport

2.9% APR for 60 months: 2025 Accord, 2025 CR-V

These offers expire on 3/3/2025. Learn more about these offers.

👉 See Honda listings with local market insights

Hyundai Financing Deals

Right now, Hyundai APR offers are better than they have been in months:

0% APR for 48 months: 2024 Hyundai Santa Fe, Tucson, IONIQ 5, Elantra, Sonata (plus no payments for 90 days)

3.99% APR for 60 months: 2024 Hyundai Palisade

These offers expire on 1/2/2025. Learn more at hyundaiusa.com

👉 See Hyundai listings with local market data.

Jeep Financing Deals

Jeep’s zero percent APR financing offers are out to combat slowing sales in 2025:

0% APR for 72 months: 2024 Jeep Grand Cherokee 4xe and Jeep Wrangler 4xe

0% APR for 36 months: 2024 Jeep Grand Cherokee, Wrangler, Compass, Gladiator, Grand Wagoneer

Huge cash offers: Current Jeep lessees can get $9,000 in bonus cash allowance for the Grand Cherokee. The 2024 Compass is eligible for up to $6,500. Most other Jeep models, including the Wrangler, are eligible for up to $3,500 in bonus cash allowance.

These offers expire on 2/3/2025. Learn more at Jeep.com.

👉 See Jeep listings near you with local market data.

Kia Financing Deals

0% APR for 72 months: 2024 Kia EV6, 2024 Kia EV9

0% APR for 60 months: 2024 Kia Niro EV

0% APR for 48 months: 2024 Sportage, 2024 Sorento

1.9% APR for 60 months: 2025 Sorento, 2025 Sportage

2.9% APR for 48 months: Kia K4, K5

These offers expire on 1/6/2025. Learn more at kia.com

👉 See Kia listings near you with local market insights

Lexus Financing Deals

2.49% APR for 48 months for the 2024 Lexus IS, NX, ES, UX

These offers expire on 1/6/2025. Learn more at Lexus.com

👉 See Lexus listings with local market insights

Mazda Financing Deals

Mazda has some of the best financing offers for January 2025, including zero percent APRs:

0% APR for 36 months: 2025 Mazda CX-50, 2025 CX-30, 2025 CX-5, 2025 Mazda3 (both sedan and hatchback)

0.9% APR for 60 months: 2024 Mazda CX-90

These offers expire on 1/31/2025. Learn more at MazdaUSA.com

👉 See Mazda listings near you with local market data

Mitsubishi Financing Deals

0% APR for 48 months: 2024 Mitsubishi Outlander, Eclipse Cross

These offers expire on 1/31/2025. Learn more at MitsubishiCars.com

👉 See Mitsubishi listings near you with local market data

Nissan Financing Deals

The best new car offers in January include some amazing financing offers from Nissan:

0% APR for 60 months: 2024 Nissan Rogue, Titan

0% APR for 72 months: 2024 Nissan Ariya

0% APR for 36 months: 2024 Pathfinder

0.9% APR for 60 months: 2024 Nissan Frontier

These offers expire on 1/6/2025. Learn more about these offers at NissanUSA.com

👉 See Nissan listings with local market data

Ram Financing Deals

Ram has these great truck offers for January as they look to clear out remaining 2024 trucks:

0.9% APR for 72 months: 2024 Ram 1500, Ram 1500 Classic + up to $6,500 cash savings on dealer inventory

These offers expire on 2/3/2025. See details at ramtrucks.com

👉 See Ram listings near you with local price data

Subaru Financing Deals

0% APR for 72 months: Solterra EV

0% APR for 48 months: 2024 WRX

1.9% APR for 72 months: 2024 Forester

2.9% APR for 72 months: 2024 – 2025 Outback

These offers expire on 1/31/2025. See which models and trims qualify at subaru.com.

👉 See Subaru listings near you with local price data

Toyota Financing Deals

This month, Toyota has these APR deals for well-qualified buyers. Note that Toyota’s monthly offers are usually different for each region. We’ve done our best to gather the best offers here:

0% APR for 72 months: 2024 Toyota bZ4X

2.99% APR for up to 72 months: 2024 Toyota Tundra (Texas and select regions)

4.99% APR for 60 months: 2024 RAV4, 2025 Camry

These offers expire on 1/6/2025. Learn more about these offers at Toyota.com

👉 See Toyota listings near you with local market insights

Volkswagen Financing Deals

VW is back with zero percent financing for two popular crossovers:

0% APR for 72 months: 2024 Volkswagen ID.4

0% APR for 60 months: 2024 VW Tiguan

1.9% APR for 60 months or $3,500 customer bonus: 2024 VW Atlas

These offers expire on 3/3/2025. Learn more about these offers at VW.com

👉 See Volkswagen listings near you

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