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. Why agree to today’s typical 6-8% APR rate when deals like these exist? Of course, most low-APR offers are reserved for well-qualified buyers, so check your credit score before you shop!

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 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

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

Hyundai

In February, the Santa Fe and Tucson now join the EV lineup with no interest for five years.

• 0% APR for 60 months for the 2026 Hyundai Santa Fe, Tucson, IONIQ 5, IONIQ 6, and IONIQ 9

See Hyundai local market insights + the BEST deals

Kia

Hyundai has the most zero-percent financing offers of any automaker in February.

• 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, 2025 Sorento
• 0% APR for 60 months: 2026 Kia EV9
• 0% APR for 48 months: 2026 Kia Sorento, 2025 Kia Telluride

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 72 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

Negotiate Ram deals like a pro

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, 2025 Subaru Forester

For those looking to finance for longer, Subaru is also offering longer low-APR options for the Outback and Forester.

See local Subaru deals with market insights

Tesla

It’s back! After a bit of a break, Tesla’s 0% APR offer has returned for the base Model Y, officially dubbed the ‘Model Y Rear-Wheel Drive’.

• 0% APR for 72 months: 2026 Tesla Model Y

Volvo

This is a true luxury electric SUV, and due to a slump in demand, it’s now available with zero interest financing.

• 2025 Volvo EX90: 0% APR for 72 months

Have a Concierge negotiate your Volvo deal

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.