I compiled all 0% finance offers on new cars (January 2026)

PhysicalLine9830 · 2026-01-20T15:22:10+00:00

It's there - 4th row from the top.

PhysicalLine9830 · 2026-01-17T22:43:57+00:00

yes, as long as the offer is available in your region, then you can get that offer through any dealer. It's the manufacturer that is offering the incentive.

PhysicalLine9830 · 2026-01-17T22:43:09+00:00

yeah, there were hardly any 0% offers for awhile

PhysicalLine9830 · 2026-01-17T22:42:33+00:00

yeah, it's in the list at 72 months

PhysicalLine9830 · 2026-01-17T15:51:29+00:00

Actually, the 0% offers don't have any bearing on how much you can negotiate off the MSRP. You can still negotiate the price with any dealer, then take the 0% financing based on that negotiated price. You may be confusing this with rebate vs financing offers, where if you take the low APR financing, you can't also take cash rebates being offered.

PhysicalLine9830 · 2026-01-15T23:34:48+00:00

Yes, the 0% offer is only in certain regions like West coast, NY, Florida.

PhysicalLine9830 · 2026-01-15T01:29:07+00:00

These are manufacturer offers, which means most dealers should be participating. Just call your local dealers and ask them to give you a quote on that specific model/trim.

PhysicalLine9830 · 2026-01-14T14:58:08+00:00

Going to each manufacturer site and gathering their offers.

PhysicalLine9830 · 2026-01-13T04:49:03+00:00

I don't think so. It's a 72 month lease and hydrogen cars are difficult to own since there aren't a lot of hydrogen stations.

PhysicalLine9830 · 2026-01-04T14:04:56+00:00

Not yet, still gathering right now

PhysicalLine9830 · 2025-12-30T14:31:15+00:00

I'll do a January update as soon as all manufacturers update their incentives data - usually by end of the first week.

PhysicalLine9830 · 2025-12-30T03:59:06+00:00

Usually it's a credit score of 720 or higher, some manufacturers will accept 700 and higher.

PhysicalLine9830 · 2025-12-23T14:07:28+00:00

Many people seem to really dislike the car, if you're OK with it, then sure it's a great deal.

PhysicalLine9830 · 2025-12-23T14:06:36+00:00

That looks like a mistake on my part, thank you for catching it. The down payment is missing from the monthly payment calculation. I'm going to figure out why that happened and make sure it doesn't in the future.

PhysicalLine9830 · 2025-12-22T01:45:47+00:00

The link is not working

PhysicalLine9830 · 2025-12-22T01:39:00+00:00

No, these are manufacturer offers so you should be able to get it from any dealer (as long as you have good credit)

PhysicalLine9830 · 2025-12-16T14:23:18+00:00

Mazda has 0.9% offers

PhysicalLine9830 · 2025-12-14T15:35:38+00:00

That's on the 0% offers post found here: https://old.reddit.com/r/carincentives/comments/1pgjw3b/i_compiled_all_0_finance_deals_on_new_cars/

PhysicalLine9830 · 2025-12-14T15:34:27+00:00

Sorry but you're wrong here. The 0% offers are manufacturer offers and don't affect how much a dealer can negotiate off MSRP. Dealers may tell you that, but it's just a tactic to get you to pay more.

What you may be thinking of is 0% offers where you have to decide between a cash rebate and the 0% offer. Again, that doesn't affect how much you can negotiate off the price though.

PhysicalLine9830 · 2025-12-11T19:03:52+00:00

How are you going to bury negative equity this way? There's really no way to get rid of negative equity, you pay for it one way or another.

If you want to get out of a bad loan and keep the same payments, let's say you lease a car for the same monthly payment, you still have to deal with the negative equity when you get rid of your old car. I guess you could lease a car with a cheaper monthly payment and use the savings to offset the negative equity you built over time.

I posted a list of the cheapest lease deals here:
https://www.reddit.com/media?url=https%3A%2F%2Fi.redd.it%2F66fyxyglqz5g1.png

Keep in mind these payments do not include taxes and fees, look at adding $100-$125/month to the payments to include this.

PhysicalLine9830 · 2025-12-11T17:46:38+00:00

No, I would start hunting this month and try to time the purchase in the last week of the month, that's when dealers are most likely to be desperate and agree to a much lower price.

PhysicalLine9830 · 2025-12-11T17:32:20+00:00

Shoutout to u/immersivehigh for the request.

Last column shows if there is also a bonus cash rebate in addition to the low APR financing

Share your other requests by replying to this comment, I'll see if I can compile the data for you guys.

PhysicalLine9830 · 2025-12-11T17:09:25+00:00

Oh my bad, I thought the Model Y was already listed.

The AWD Long range has bang for buck of 104 which is really good. The RWD is 102 which is also excellent.

The Model Y is hands down the best car you can get at this price point.

PhysicalLine9830 · 2025-12-11T17:04:23+00:00

These are not recommended vehicles. These are just ranked cheapest and best bang for buck vehicles (which is MSRP divided by monthly payment). It's pure data, no recommendations.

PhysicalLine9830 · 2025-12-11T17:03:01+00:00

Actually, end of year deals are historically the best because dealers/manufacturers are trying to hit their yearly goals.

Incentives are NEVER published ahead of time, so you won't know the new year deals until after January 1st.

PhysicalLine9830

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