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.

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