A new year brings fresh deals on last year's cars and trucks, with financing options especially generous this month. Long terms are available on some of the most popular models, including zero-percent interest rates from automakers that appear to be here to stay despite the Federal Reserve holding rates steady since July without expected cuts. Here are some finance deals to consider, along with information on lease offers and a guide to auto loans and financing.
Toyota is offering zero-percent financing on leftover 2025 Tundras in most regions, as well as a $1000 rebate. Forgo the special rate, and Toyota will chop $5000 off all trims except the TRD Pro. The 2026 model doesn't have special rates but does have a $3000 rebate.
Honda is offering 0.99 percent financing for up to five years on its Ridgeline pickup, or buyers can stretch to loan for up to 72 months at a max of 1.99 percent. Without the special rates, you can take $3000 off an RTL trim.
Kia is returning to its budget roots with zero-percent financing on some models, including 2025 EVs, with 72-month interest-free financing and a $3500 rebate. The next best deals come on hybrid and plug-in hybrid models, at 60 months, followed by the Telluride at 48 months.
Mitsubishi is offering zero percent for six years on its Outlander Hybrid, which has no reason to shop for the Nissan-branded version when you can buy the Mitsubishi original. The regular Outlander is available at the same rate, and SEL Black and Platinum trims have a $4500 rebate without the special APR.
Subaru has shifted its zero-percent deal from the Outback to the Forester Hybrid and the WRX, with any trim eligible for the hybrid's improved gas mileage and slightly more power. The WRX also has a terrific lease special.
VinFast is offering zero-percent financing for 84 months on its SUVs, which are rolling around Connecticut as sightings of foreign cars gain traction.
Hyundai doesn't offer low interest rates on its lowest-priced cars, but all trims of every model save for the Tucson Plug-in Hybrid are available with zero-percent financing for 60 months. Without that rate, Hyundai will take $3000 off a Tucson, $3250 off a Tucson Hybrid, $4000 off the Santa Fe and Santa Fe Hybrid, $7500 off the Ioniq 6, and $11,000 off the Ioniq 5.
Buick has the shortest loans, but it compensates with no payments for four months on three of its four models. If you're coming from a competing brand, Buick will take $250 off an Envista, $1000 off an Envision, and $2000 off an Enclave.
These deals are available until the end of February 2026, so it's worth doing some research to find the best option for your needs and budget. With long terms on some models and zero-percent interest rates from automakers, this is a great time to shop for a new car.
With these finance deals available, it's clear that automakers are committed to making last year's cars more attractive to buyers. However, it's also worth noting that long terms can increase the overall cost of ownership, so it's essential to carefully consider your options and choose a deal that works best for you.
