All the EVs you can buy with 0% financing in January 2026

Lease deals get all the hype, but a lot of people would still rather buy their vehicles. If that sounds like you, you’re in luck, because there’s a whole bunch of great EVs you can buy with 0% financing this month – including the new “affordable” Tesla Model Y Standard!

The $7,500 federal EV tax credit may have disappeared in 2025, but great deals on new EVs didn’t vanish with it. Brands like BMW, Dodge, Hyundai, Jeep, and Kia are cutting EV prices to keep dealer showrooms busy – but while discounts and rebates help, interest rates can still make or break a deal. That’s why these free money, 0% interest offers are worth a look.

As always, these deals are presented in alphabetical order, by make. And, as for which EV deals are new this month? You’re just gonna have to read the article. Enjoy!

Chevrolet Equinox EV

The all-electric Chevy Equinox is already one of the most affordable EVs you can get your hands on, with for pricing for the 300-mile, five-passenger crossover starting at just under $35,000 for 2025 models (the 2026 gets a $1,500 price hike, to $36,495).

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If that $1,500 savings isn’t enough to get you to sign on the line for a leftover 2025 model, 0% financing for up to 60 months and the promise of native Apple Music integration (if not CarPlay) might make you reconsider.

Chevrolet Silverado EV

In addition to the family-friendly Equinox, Chevy is offering 0% financing for up to 60 months on remaining 2025MY examples of its big Silverado EV as well. The truck can be spec’ed up to a 10,500 lb. GVWR, making it more than capable enough to tow whatever horse, boat, or RV you plan to put behind it.

Ford Mustang Mach-E

The Ford Mustang Mach-E is a controversial nameplate on an otherwise mainstream crossover offering – but it’s a genuinely solid offering with up to 320 miles of range, faster charging, and even a fun, hardcore rally version (shown, above).

This month, well-qualified Ford Mustang buyers in ZEV states can score 0% financing for 74 months plus $2,000 in bonus cash in lieu of the free “Power Promise” home charger deal on remaining 2025MY Mach-Es.

Kia EV9

If you were waiting for a three-row SUV from a mainstream brand with a great warranty and normal doors, you’ve probably already checked out the Kia EV9 … and you’re not alone. Kia keeps setting EV sales records, and the EV9 is helping to drive those sales forward.

Kia’s electrified sales train doesn’t seem to be slowing down as much as some of the others‘, but they’re still slashing prices to make sure they don’t lose momentum. In addition to substantial discounts, you can finance a Kia EV9 at 0% for up to 60 months plus $3,000 in Bonus Cash through January.

Tesla Model Y Standard

Though just a few months old, the Tesla Model Y standard isn’t the runaway sales success Tesla might have hoped for, and the company experienced its second consecutive full year of decline in electric vehicle deliveries in 2025.

That said, the Model Y Standard seems to be a solid enough electric crossover with plenty of range, zippy 0-60 mph acceleration, and enough of the good aspects of Tesla ownership (great software integration, Supercharger access, etc.) to make it interesting. Factor in 0% financing for up to 72 months through 31JAN, and the MYS could be really interesting.

Volkswagen ID.4

One of the most popular EVs from a legacy brand, the ID.4 offers Volkswagen build quality and a lighthearted style that’s somehow eluded its Audi cousins. Still, with a relatively affordable base price, genuinely high-speed charging, up to 291 miles of EPA-rated range, and (finally) access to Tesla’s nationwide Supercharger network, the ID.4 offers a value proposition that many buyers will find tough to beat.

With 0% financing for up to 72 months factored in, that value proposition just keeps getting better and better.

Disclaimer: the vehicle models and financing deals above were sourced from CarsDirect, USNews, and other OEM/dealer websites, and may not be available in every market, with every discount, or for every buyer (the standard “with approved credit” fine print should be implied).

Check with your local dealer(s) for more information.

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