10 Best 0% APR Deals in January 2026

New year, new 0% APR deals. If you are looking for a full-size truck or a 3-row SUV, there are several of each on this month’s list, as well as a sporty yet practical car. If you are shopping for an electric vehicle (EV), there are several more 0% APR deals on our 10 Best Electric Car Deals list.

Please check with your local dealer beforehand to ensure the offer you want is available. All prices are for the trim level on special, or the base price if it applies to all trims, and include the destination charge. However, prices do not include tax, title, or license fees.

Here are the best 0% APR deals in January 2026.

1. 2025 Kia Telluride

Current offer: 0% APR financing
MSRP: $37,935
Expires: 2/2/2026

See Kia Telluride listings near you

The Kia Telluride is a frequent Kelley Blue Book Best Buy Award winner, thanks to its combination of features, safety, comfort, and quality for the money. This family-friendly 3-row SUV is comfortable, has a nicely appointed interior, and is powered by a robust V6 engine. The loan term is 48 months.

2. 2025 Hyundai Palisade

Current offer: 0% APR financing
MSRP: $38,695
Expires: 2/2/2026

See Hyundai Palisade listings near you

Hyundai is offering 0% APR financing on its excellent Palisade midsize SUV. It offers three spacious rows, a refined ride, and an impressive standard features set. Its interior is attractive in the base SE trim, but higher trims take it to near-luxury levels. This deal applies to all trim levels and has a 60-month term.

3. 2025 Subaru Outback

Current offer: 0% APR financing
MSRP: $31,415
Expires: 2/2/2026

See Subaru Outback listings near you

The family-friendly Subaru Outback has plenty of premium touches. It offers the ride and comfort of a wagon with the capability of an SUV, and comes standard with all-wheel drive. This Subaru is a pleasure to drive, even if you never venture off-road, and this month’s deal applies to all trims. This is the last year of the wagonesque Outback; the all-new 2026 Outback SUV is available with 3.9% APR financing.

4. 2025 GMC Sierra 1500

Current offer: 0% APR financing
MSRP: $53,945
Expires: 2/2/2026

See GMC Sierra 1500 models for sale near you

With rugged looks, terrific capability, and an upscale interior, the GMC Sierra 1500 (Denali Ultimate pictured here) also has engine options, cab and bed combinations, and multiple trim levels to appeal to a wide range of truck buyers. This month’s deal applies to the Elevation Crew Cab with the 2.7-liter 4-cylinder TurboMax engine, and also applies to 2026 models with the same configuration.

5. 2025 Hyundai Santa Fe

Current offer: 0% APR financing
MSRP: $35,795
Expires: 2/2/2026

See Hyundai Santa Fe listings near you

The stylish Hyundai Santa Fe (XRT pictured) is a 3-row SUV that’s smaller than the typical midsize SUV. That means it’s easier to park — and it also comes in at a lower price point. The Santa Fe is comfortable, loaded with tech, and has trim levels that range from rugged to near-luxury. This deal applies to all trims and includes no payments for 90 days. This deal also applies to the Santa Fe Hybrid and 2026 models.

6. 2026 Kia Sorento

Current offer: 0% APR financing
MSRP: $33,635
Expires: 2/2/2026

See Kia Sorento listings near you

Families who only occasionally need a third row but enjoy having the option should consider the Kia Sorento. It offers impressive interior refinement, near-luxury options, and a small but useful third row. This month’s deal applies to all trim levels, as well as the Hybrid and PHEV, and has a 48-month term. There is also a 0% APR deal on the 2025 Sorento, with a 60-month term.

7. 2025 Toyota Tundra

Current offer: 0% APR financing
MSRP: $42,185
Expires: 2/2/2026

See Toyota Tundra listings near you

Tough, capable, fast, and efficient, the Toyota Tundra is a full-size truck that has a carlike feel on-road and specialized features that are designed for hard-core off-roading. This month’s deal applies to 22 trims, including those equipped with the 437-hp hybrid powertrain, and has a term of up to 60 months.

8. 2025 Ram 1500

2025 Ram 1500 Rebel X parked on a dirt road with red hills in the background.

Current offer: 0% APR financing
MSRP: $53,630
Expires: 1/20/2026

See Ram 1500 listings near you

Don’t let the Ram 1500‘s posh interior fool you: This truck is ready for hard work. This full-size truck can tow up to 11,580 pounds or carry up to 2,300 pounds of payload. Yet it also has a smooth ride, comfortable seats, and plenty of upscale tech features. This month’s deal has a loan term of 72 months for 2025 models and is available on many trims, the least expensive being the 4-wheel-drive Big Horn Crew Cab with the 5-foot-7-inch bed, and the Tungsten trim seen here.

9. 2026 Nissan Rogue

Current offer: 0% APR financing
MSRP: $30,585
Expires: 2/2/2026

See Nissan Rogue listings near you

The Nissan Rogue is larger than many of the compact SUVs it competes with. It also boasts decent fuel economy and an impressive suite of standard safety features. This month’s deal applies to all trims and has a contract length of up to 60 months.

10. 2025 Subaru WRX

The 2025 Subaru WRX tS seen from a front quarter angle

Current offer: 0% APR financing
MSRP: $38,920
Expires: 2/2/2026

See Subaru WRX listings near you

The Subaru WRX has decades of track- and rally-tested cred behind it. With a sport-tuned suspension, all-wheel drive with torque vectoring, 271 horsepower, and a 6-speed manual transmission, the WRX is for a particular type of driver. If you are an enthusiast looking for a good deal, look no further. This financing offer has a 72-month term.

Best 0% APR Deals in January 2026