Best Car Finance Deals in 2026 - Lowest APR by Model

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0%
0.9%
1.9%
2.9%
3.9%
4.9%
5.9%

0% APR Car Deals
Automaker	Model	Best Deal
Hyundai	IONIQ 5	0% for 6 Years
Tesla	Model Y	0% for 6 Years
Toyota	bZ	0% for 6 Years
Mazda	CX-90 PHEV	0% for 6 Years
Subaru	Solterra	0% for 4 Years

Calculate 0% Payments

0.9% APR Car Deals
Automaker	Model	Best Deal
Kia	EV9	0.9% for 6 Years
BMW	3-Series	0.9% for 5 Years
BMW	X3 30 xDrive	0.9% for 5 Years
Mazda	CX-90	0.9% for 5 Years
Mazda	CX-70	0.9% for 5 Years

Calculate 0.9% Payments

1.9% APR Car Deals
Automaker	Model	Best Deal
Toyota	Prius Plug-In Hybrid	1.99% for 6 Years
Mazda	CX-50 Hybrid	1.9% for 5 Years
Mazda	CX-50	1.9% for 5 Years
Subaru	Crosstrek	1.9% for 3 Years
Subaru	Forester	1.9% for 3 Years

Calculate 1.9% Payments

2.9% APR Car Deals
Automaker	Model	Best Deal
Subaru	Crosstrek	2.9% for 6 Years
Nissan	Armada	2.9% for 5 Years
Honda	Ridgeline	2.99% for 5 Years
Ford	Mustang Mach-E	2.9% for 3 Years
Mazda	CX-5	2.9% for 3 Years

Calculate 2.9% Payments

3.9% APR Car Deals
Automaker	Model	Best Deal
Chevrolet	Colorado	3.9% for 5 Years
Honda	CR-V Hybrid	3.99% for 5 Years
Honda	Odyssey	3.99% for 4 Years
Kia	Telluride Hybrid	3.99% for 4 Years
Honda	Pilot	3.99% for 3 Years

Calculate 3.9% Payments

4.9% APR Car Deals
Automaker	Model	Best Deal
Toyota	RAV4 Hybrid	4.99% for 5 Years
Nissan	Kicks	4.9% for 5 Years
Nissan	LEAF	4.9% for 5 Years
Nissan	Sentra	4.9% for 5 Years
Land Rover	Discovery Sport	4.9% for 5 Years

Calculate 4.9% Payments

5.9% APR Car Deals
Automaker	Model	Best Deal
Ram	3500	5.9% for 7 Years
Honda	Passport	5.99% for 6 Years
Honda	Pilot	5.99% for 6 Years
Toyota	C-HR	5.9% for 6 Years
Toyota	Corolla	5.9% for 6 Years

Calculate 5.9% Payments

The best car finance deal in 2026 is 0% for 6 years. The 2nd best deal is 0.9% for 5 years.

1.9% and 2.9% are also available for well qualified credit scores.

The best interest rates are called incentivized finance deals.

When these promotional interest rates are chosen, buyers may not qualify for other promotions and rebates.

Verify the factory rebate at the standard APR to calculate actual savings.

How to calculate APR discounts

Subtract the finance charge at the promotional rate from the finance charge at the standard rate.

Next subtract the factory rebate at the promotional rate from the factory rebate at the standard rate.

Compare the savings at the lowest interest rate to the loss of rebate at the standard APR to determine the best deal.

Consider your intention to hold the loan or not. If you pay off your car early, then a bigger rebate is a better deal than a low interest rate.

Sample Calculation
$25000 for 5 Years

Offer 1:
Standard APR:	6.9%
Finance Charge:	$4715
Factory Rebate:	$5000
Net Savings:	$285

Offer 2:
Promo APR:	0%
Finance Charge:	$0
Factory Rebate:	$1000
Net Savings:	$1000

Sources:

Finance deals are listed for references only. Offers may expire at any time. Verify current best rates by automaker.

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Best Car Deals in 2026 - Lowest Interest Rate by Model

​How to calculate APR discounts

How to calculate APR discounts