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.

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. 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 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 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 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. 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 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
• 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?

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.

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