A new year means fresh deals on last year's cars and trucks. Financing is especially generous this month, with long terms on some of the most popular (and sometimes, unpopular) models. The good news is that zero-percent interest rates from automakers appear to be here to stay, even as the Federal Reserve holds rates as they were since July without the expected cuts. Take a look at these finance deals, and also check out February's lease deals.
Check Our Auto Loans & Financing Guide
Make sure you first read our Auto Loans & Financing guide. We've covered everything that may get glossed over in the showroom: how to apply, trade-ins, average rates by credit score, and more. The Car and Driver Marketplace also has a finance calculator to help you estimate costs based on the manufacturer's loan terms.
2025 Toyota Tundra
0% APR for 60 months or 0.99% for 72 months
or $5000 rebate
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See all results for new 2025 Toyota Tundra for sale and new 2025 Honda Ridgeline for sale near 69117
Toyota has announced that this year, the American-made Tundra full-size pickup is headed to Japan. But here at home up against the Big Three, the Tundra takes just a sliver of market share, and it saw a 7 percent decline in sales last year. To address that, Toyota is offering zero-percent financing on leftover 2025 Tundras in most regions (some of which also have a $1000 rebate). Forgo the special rate, and Toyota chops $5000 off all trims except the TRD Pro. The 2026 model doesn't have special rates but does have a $3000 rebate.
2025 Honda Ridgeline
0.99% APR for 24-60 months or 1.99% APR for 61-72 months
or $3000 rebate
If the Tundra is a blip on the sales charts, the Ridgeline is a speck. Only 48,000 Honda pickups were sold in 2025; that's a 7 percent increase, but is still almost entirely unnoticeable to the truck market. The Ridgeline has quiet, comfortable ride and a versatile cargo hold, but doesn't indulge in the machismo of its rivals. For 2025 models, Honda offers 0.99 percent financing for up to five years, 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.
2025 Kia EV6, Niro, Sorento, Sorento Hybrid, and Telluride
0% APR for 48-72 months
Or $2000-$10,000 rebate
Kia is returning to its budget roots with zero-percent financing on some models we didn't think needed the help. Most of the best deals are on 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. Without the special rate, Kia has discounts ranging from $2000 off a Telluride to $10,000 off an EV6. Similar deals are available on 2026 models, including zero-percent financing for 60 months on the 2026 EV9, but the 2025s have the longest terms and the most cash incentives.
2025 Mitsubishi Outlander and Outlander Hybrid
0% APR for 72 months
or $4500 rebate
There's no reason to shop for the Nissan-branded version of the Outlander Hybrid when you can buy the Mitsubishi original at zero percent for six years. That's the same duration as Mitsubishi's warranty, which Nissan also doesn't match. The regular Outlander is available at the same rate. Alternatively, SEL Black and Platinum trims have a $4500 rebate without the special APR. Mitsubishi also offers a $1000 loyalty or conquest credit that can be applied to either offer.
2025 Subaru Forester Hybrid and WRX
0% APR for 72 months
Previously, Subaru had a zero-percent deal on the Outback (pictured at top), and now it has shifted (with a much longer duration) to the Forester Hybrid and the WRX. Any trim is eligible. The hybrid is costlier yet it makes for a better Forester, with improved gas mileage and slightly more power. As for the WRX, it needs no introduction. And if you cannot commit to ownership, there's also a terrific lease special on the WRX.
2025 VinFast VF8
0% APR for 84 months and $4100 rebate
Something has happened in the last month. We have confirmed sightings of VinFast SUVs rolling around Connecticut, where the locals love foreign cars. Do they want an electric crossover from a giant, unknown-to-us Vietnamese conglomerate? Do they worry about the long-term viability of this brand in the United States? Buying a VinFast is a leap of faith, but zero-percent financing for 84 months is unmatched. After seven years with a VF8, who knows if VinFast will still be fast and issuing VINs.
2025 Hyundai Ioniq 5, Ioniq 6, Santa Fe, Santa Fe Hybrid, Tucson, and Tucson Hybrid
0% APR for 60 months
or $3000–$11,000 rebate
Hyundai doesn't offer low interest rates on its lowest-priced cars. The zero-percent rates are for the bigger spenders. All trims of every model, save for the Tucson Plug-in Hybrid, are available with zero-percent financing for 60 months (with the Ioniq 5 extended to 72 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.
2025–2026 Buick Envista, Envision, and Enclave
0.9% APR for 36 months
No payments for 120 days
Buick has the shortest loans, but it compensates with no payments for four months on three of its four models (and offers the terms on both 2025 and 2026 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. The Encore GX also gets the 0.9 percent rate and has a higher $2250 rebate, but it's only on 2026 models and does not include deferred payments.
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Clifford Atiyeh is a reporter and photographer for Car and Driver, specializing in business, government, and litigation news. He is president of the New England Motor Press Association and committed to saving both manuals and old Volvos.
