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Best 0% Finance Deals January 2026
January 9, 2026
This week, I updated the list of best 0% finance deals on new cars. Interest rates have been going up in recent months, which means manufacturers have cut back on offering 0% financing deals. However, for January we are seeing a large number of manufacturers offering zero percent finance deals, some like Volkswagen, Ford, Dodge and Jeep are all offering 0% for up to 72 months plus cash back on top of that! Hyundai, Nissan, Ford and Lincoln are all offering 0% for 60 months.
The average APR rate for a 60-month new car loan has risen to 6-9% for those with good credit. Using this figure, a 60-month, 0% deal will save you around $4,000 in interest for
a vehicle costing $40,000.
Check out the full list below. For even more savings, I highly recommend using TrueCar No Haggle and CarsDirect to see the lowest prices being offered in your area.
Best 0% Finance Deals
| Vehicle | APR Term | APR Rate | Plus Cash Back | Get Price |
|---|---|---|---|---|
| 2026 Toyota Mirai Hydrogen | 72 | 0% | $35,000 | |
| 2025 Toyota Mirai Hydrogen | 72 | 0% | $35,000 | |
| 2026 Toyota bZ Electric | 72 | 0% | $6,000 | |
| 2025 Ford F-150 Lightning Electric | 72 | 0% | $4,000 | |
| 2025 Kia Niro EV Electric | 72 | 0% | $3,500 | |
| 2025 Kia EV6 Electric | 72 | 0% | $3,500 | |
| 2025 Ford Mach-E Electric | 72 | 0% | $3,000 | |
| 2026 Hyundai Ioniq 9 Electric | 72 | 0% | $3,000 | |
| 2026 Lexus RZ Electric | 72 | 0% | $3,000 | |
| 2026 Hyundai Ioniq 5 Electric | 72 | 0% | $1,000 | |
| 2025 Dodge Charger | 72 | 0% | ||
| 2025 Jeep Wagoneer S Electric | 72 | 0% | ||
| 2025 Mitsubishi Outlander PHEV Plug-in Hybrid | 72 | 0% | ||
| 2025 Ram 1500 | 72 | 0% | ||
| 2026 Subaru Solterra Electric | 72 | 0% | ||
| 2025 Subaru WRX | 72 | 0% | ||
| 2025 Subaru Forester Hybrid | 72 | 0% | ||
| 2026 Tesla Model Y Electric | 72 | 0% | ||
| 2025 Volvo EX90 Electric | 72 | 0% | ||
| 2026 Kia EV9 Electric | 60 | 0% | $3,500 | |
| 2025 Toyota Tundra Hybrid | 60 | 0% | $1,000 | |
| 2025 Toyota Tundra | 60 | 0% | $1,000 | |
| 2025 Chevrolet Silverado EV Electric | 60 | 0% | ||
| 2025 Chevrolet Blazer EV Electric | 60 | 0% | ||
| 2025 Ford F-450 | 60 | 0% | ||
| 2025 Ford F-350 | 60 | 0% | ||
| 2025 Ford F-250 | 60 | 0% | ||
| 2026 Genesis GV70 Electric | 60 | 0% | ||
| 2026 Genesis GV60 Electric | 60 | 0% | ||
| 2025 Honda Prologue Electric | 60 | 0% | ||
| 2025 Hyundai Tucson Hybrid | 60 | 0% | ||
| 2025 Hyundai Tucson | 60 | 0% | ||
| 2025 Hyundai Santa Fe Hybrid | 60 | 0% | ||
| 2025 Hyundai Santa Fe | 60 | 0% | ||
| 2025 Hyundai Palisade | 60 | 0% | ||
| 2025 Hyundai Ioniq 6 Electric | 60 | 0% | ||
| 2025 Hyundai Ioniq 5 Electric | 60 | 0% | ||
| 2025 Kia Sportage Plug-in Hybrid | 60 | 0% | ||
| 2025 Kia Sorento Plug-in Hybrid | 60 | 0% | ||
| 2025 Kia Sorento Hybrid | 60 | 0% | ||
| 2025 Kia Sorento | 60 | 0% | ||
| 2025 Kia Niro Plug-in Hybrid | 60 | 0% | ||
| 2025 Kia Niro Hybrid | 60 | 0% | ||
| 2025 Mitsubishi Outlander | 60 | 0% | ||
| 2026 Nissan Rogue | 60 | 0% | ||
| 2026 Nissan Murano | 60 | 0% | ||
| 2025 Nissan Pathfinder | 60 | 0% | ||
| 2025 Nissan Murano | 60 | 0% | ||
| 2025 Lincoln Nautilus | 48 | 0% | $1,000 | |
| 2025 Lincoln Corsair | 48 | 0% | $1,000 | |
| 2025 Lincoln Aviator | 48 | 0% | $1,000 | |
| 2026 Kia Sportage Plug-in Hybrid | 48 | 0% | ||
| 2026 Kia Sorento Plug-in Hybrid | 48 | 0% | ||
| 2026 Kia Sorento Hybrid | 48 | 0% | ||
| 2026 Kia Sorento | 48 | 0% | ||
| 2025 Kia Telluride | 48 | 0% | ||
| 2026 Lincoln Nautilus | 48 | 0% | ||
| 2026 Lincoln Corsair | 48 | 0% | ||
| 2026 Lincoln Aviator | 48 | 0% | ||
| 2026 GMC Sierra 1500 | 36 | 0% | ||
| 2025 GMC Sierra 1500 | 36 | 0% | ||
| 2025 GMC HUMMER EV SUV Electric | 36 | 0% | ||
| 2025 GMC HUMMER EV Pickup Electric | 36 | 0% | ||
| 2026 Infiniti QX80 | 36 | 0% | ||
| 2025 Infiniti QX55 | 36 | 0% | ||
| 2025 Infiniti QX50 | 36 | 0% | ||
| 2025 Subaru Outback | 36 | 0% | ||
| 2025 Subaru Forester | 36 | 0% | ||
| 2026 Volvo XC90 | 36 | 0% | ||
| 2026 Volvo XC60 | 36 | 0% | ||
| 2026 Volvo XC40 | 36 | 0% | ||
| 2026 Volvo EX40 Electric | 36 | 0% | ||
| 2026 Volvo EX30 Electric | 36 | 0% | ||
| 2025 Mazda CX-50 | 72 | 0.9% | ||
| 2024 Jaguar XF | 60 | 0.9% | ||
| 2024 Jaguar F-Type | 60 | 0.9% | ||
| 2026 Mazda CX-90 Plug-in Hybrid | 60 | 0.9% | ||
| 2026 Mazda CX-70 Plug-in Hybrid | 60 | 0.9% | ||
| 2025 Mazda CX-5 | 60 | 0.9% | ||
| 2026 Kia Sportage Hybrid | 48 | 0.9% | ||
| 2026 Kia Sportage | 48 | 0.9% | ||
| 2026 Buick Envista | 36 | 0.9% | $250 | |
| 2026 Buick Envision | 36 | 0.9% | $1,000 | |
| 2026 Buick Encore GX | 36 | 0.9% | $2,250 | |
| 2026 Buick Enclave | 36 | 0.9% | $2,000 | |
| 2025 Buick Envista | 36 | 0.9% | $250 | |
| 2025 Buick Envision | 36 | 0.9% | $1,000 | |
| 2025 Buick Enclave | 36 | 0.9% | $2,000 | |
| 2025 Ford F-150 | 36 | 0.9% | $3,250 | |
| 2025 Ford Explorer | 36 | 0.9% | $2,500 | |
| 2026 Infiniti QX60 | 36 | 0.9% | ||
| 2026 Nissan Frontier | 36 | 0.9% | ||
| 2025 Nissan Frontier | 36 | 0.9% | $1,500 | |
| 2026 Subaru Forester | 36 | 0.9% | ||
| 2026 Honda Prologue Electric | 60 | 0.99% | ||
| 2025 Honda Ridgeline | 60 | 0.99% | ||
| 2026 Hyundai Tucson Hybrid | 60 | 0.99% | ||
| 2026 Hyundai Tucson | 60 | 0.99% | ||
| 2026 Hyundai Santa Fe Hybrid | 60 | 0.99% | ||
| 2026 Hyundai Santa Fe | 60 | 0.99% | ||
| 2025 Hyundai Kona EV Electric | 48 | 0.99% | ||
| 2026 Volvo V60 Cross Country | 36 | 0.99% | ||
| 2026 Chrysler VOYAGER | 72 | 1.9% | ||
| 2026 Chrysler PACIFICA | 72 | 1.9% | ||
| 2025 Mazda CX-50 Hybrid | 72 | 1.9% | ||
| 2025 Subaru Crosstrek | 72 | 1.9% | ||
| 2025 Subaru BRZ | 72 | 1.9% | ||
| 2025 Subaru Ascent | 72 | 1.9% | ||
| 2025 Land Rover Range Rover Sport | 60 | 1.9% | ||
| 2025 Land Rover Discovery | 60 | 1.9% | ||
| 2026 Mazda Mazda3 | 60 | 1.9% | ||
| 2026 Mazda CX-50 Hybrid | 60 | 1.9% | ||
| 2026 Mazda CX-50 | 60 | 1.9% | ||
| 2026 Volkswagen ID.4 Electric | 60 | 1.9% | ||
| 2025 Subaru Impreza | 48 | 1.9% | ||
| 2026 Chevrolet Silverado 1500 | 36 | 1.9% | ||
| 2026 Chevrolet Equinox | 36 | 1.9% | ||
| 2026 Chevrolet Blazer | 36 | 1.9% | ||
| 2026 Chevrolet Blazer EV Electric | 36 | 1.9% | ||
| 2025 Chevrolet Silverado 1500 | 36 | 1.9% | ||
| 2025 Chevrolet Malibu | 36 | 1.9% | ||
| 2025 Chevrolet Equinox | 36 | 1.9% | ||
| 2025 Chevrolet Blazer | 36 | 1.9% | ||
| 2026 Mazda CX-90 | 36 | 1.9% | ||
| 2026 Mazda CX-70 | 36 | 1.9% | ||
| 2025 Mazda CX-90 Plug-in Hybrid | 36 | 1.9% | ||
| 2025 Mazda CX-70 Plug-in Hybrid | 36 | 1.9% | ||
| 2025 Nissan Z | 36 | 1.9% | ||
| 2025 Audi A5 | 72 | 1.99% | ||
| 2025 Acura ADX | 60 | 1.99% | ||
| 2026 BMW X7 | 60 | 1.99% | ||
| 2026 BMW X3 | 60 | 1.99% | ||
| 2025 Hyundai Sonata Hybrid | 60 | 1.99% | ||
| 2025 Hyundai Sonata | 60 | 1.99% | ||
| 2025 Hyundai Ioniq 5 N Electric | 60 | 1.99% | ||
| 2025 Hyundai Elantra Hybrid | 48 | 1.99% | $1,000 | |
| 2026 Toyota Camry | 36 | 1.99% | ||
| 2025 Toyota Tacoma Hybrid | 36 | 1.99% |
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Each week, I'll keep you up-to-date on the latest car deals and news that might affect your purchase. This includes...
- Best Rebates, Incentives, and Lease Deals
- Latest Car Buying Scams and Tricks
- The Best & Worst Time to Buy a Car
- Which Cars You Should Avoid
About The Author
Gregg Fidan is the founder of RealCarTips. After being ripped off on his first car purchase, he devoted several years to figuring out the best ways to avoid scams and negotiate
the best car deals. He has written hundreds of articles on the subject of car buying and taught thousands of car shoppers how to get the best deals.
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I welcome your car buying questions. Email Me and I'll be glad to answer them!
