Best Car Finance Deals in 2026 - Lowest APR by Model

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

0% APR Car Deals
Automaker	Model	Best Deal
Ford	F-150 Lightning	0% for 6 Years
Lexus	RZ	0% for 6 Years
Subaru	Forester Hybrid	0% for 6 Years
Chevrolet	Blazer EV	0% for 5 Years
Ram	1500	0% for 5 Years

Calculate 0% Payments

0.9% APR Car Deals
Automaker	Model	Best Deal
Honda	Prologue	0.9% for 5 Years
BMW	X3 30 xDrive	0.9% for 5 Years
Mazda	CX-70 Hybrid	0.9% for 5 Years
Mini	Cooper	0.9% for 4 Years
Buick	Enclave	0.9% for 3 Years

Calculate 0.9% Payments

1.9% APR Car Deals
Automaker	Model	Best Deal
Subaru	Crosstrek	1.9% for 6 Years
Mazda	CX-50	1.9% for 5 Years
BNW	X5 xDrive50e	1.9% for 4 Years
Chevrolet	Silverado	1.9% for 3 Years
Mercedes	C-Class	1.9% for 2 Years

Calculate 1.9% Payments

2.9% APR Car Deals
Automaker	Model	Best Deal
Acura	Integra	2.9% for 5 Years
F-150	F-150	2.9% for 5 Years
Range Rover	Discovery Sport	2.9% for 5 Years
Mazda	CX-70	2.9% for 5 Years
Mitsubishi	Outlander	2.9% for 5 Years

Calculate 2.9% Payments

3.9% APR Car Deals
Automaker	Model	Best Deal
Honda	Accord	3.9% for 5 Years
Chevrolet	Colorado	3.9% for 5 Years
Chevrolet	Equinox	3.9% for 5 Years
Land Rover	Evoque	3.9% for 5 Years
Mazda	CX-5	3.9% for 5 Years

Calculate 3.9% Payments

4.9% APR Car Deals
Automaker	Model	Best Deal
Toyota	Camry	4.9% for 6 Years
Toyota	Corolla	4.9% for 6 Years
Lexus	UX Hybrid	4.9% for 6 Years
Honda	Ridgeline	4.9% for 6 Years
Ford	Bronco	4.9% for 5 Years

Calculate 4.9% Payments

5.9% APR Car Deals
Automaker	Model	Best Deal
Kia	Telluride	5.9% for 6 Years
Lexus	TX	5.9% for 6 Years
Tesla	Model Y	5.9% for 5 Years
Honda	Civic	5.9% for 5 Years
Ford	Mustang	5.9% for 5 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.

Auto Loan Calculators

Best Car Deals in 2026 - Lowest Interest Rate by Model

​How to calculate APR discounts

How to calculate APR discounts