Monthly tracker · November 2026 edition
0% APR and Lease Deals This Month: November 2026
Kia, Mazda, Toyota, Chevrolet, Hyundai and GMC advertised 0% APR on new cars in November 2026 on their own offer pages (20 offers, terms up to 72 months). Cheapest lease by true cost: the 2026 Kia K4 LXS FWD (ZIP 90012, Los Angeles), $209/month plus $3,499 at signing, about $300/month all-in.
By CarWhere Research · Offers checked November 6, 2026 · Download CSV
Offers change, often mid-month, and depend on credit and ZIP code. Verify the current offer with the dealer before you sign.
Key findings
- 0% APR: 20 offers from Kia, Mazda, Toyota, Chevrolet, Hyundai and GMC; the longest 0% term is 72 months.
- 39 more offers under 3% APR, from Kia, GMC, Toyota, Genesis, Mercedes-Benz, Nissan and Chevrolet.
- Cheapest lease by true monthly cost: 2026 Kia K4 LXS FWD, $209/mo + $3,499 due at signing ≈ $300/mo over 36 months.
- Across 100 advertised leases, due-at-signing money adds a median $96/month to the headline payment once spread over the term.
- None of the advertised leases we found was $0 due at signing; most ask for several thousand dollars up front.
Who has 0% financing right now
| Vehicle | APR | Term | Expires | Where | Fine print | Source |
|---|---|---|---|---|---|---|
| 2026 Kia Niro EV | 0.% | 72 mo1.99% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. Card heading: '72 Months, Including $3,500 APR Bonus Cash'. | kia.comchecked Nov 6, 2026 |
| 2026 Mazda CX-90 PHEV | 0.% | 72 mo | Nov 30, 2026 | National | Approved credit only for very well-qualified customers through Mazda Financial Services; $13.89 per month per $1,000 financed with $0 down; tax, title, license, options, loan origination and dealer fees may apply; certain restrictions may apply based on DMV registration ZIP | mazdausa.comchecked Nov 6, 2026 |
| 2026 Toyota bZ Woodland | 0.% | 72 mo0% for 24 mo; 0% for 36 mo; 0% for 48 mo; 0% for 60 mo | Nov 30, 2026 | Regional: ZIP 90012, Southern California | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. Rate includes $2,000 cash incentive applied toward required down payment (per offer bullet); no cash-back option. $13.89 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota bZ Woodland | 0.% | 72 mo0% for 24 mo; 0% for 36 mo; 0% for 48 mo; 0% for 60 mo | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. Rate includes $1,000 cash incentive applied toward required down payment (per offer bullet); no cash-back option. $13.89 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota Mirai | 0.% | 72 mo0% for 24 mo; 0% for 36 mo; 0% for 48 mo; 0% for 60 mo | Nov 30, 2026 | Regional: ZIP 90012, Southern California | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. Rate includes $35,000 cash incentive applied toward required down payment (per offer bullet); no cash-back option. $13.89 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2026 Chevrolet Silverado 1500 | 0.% | 60 mo | Not stated | National | For well-qualified buyers when you finance with GM Financial; tile claims '$9,199 average finance savings' and 'no monthly payments until February 15th'. Homepage tile; disclosure fragments are under 'november_2026' paths but their text loads dynamically and could not be read — expiry/fine print not captured | chevrolet.comchecked Nov 6, 2026 |
| 2026 Hyundai Santa Fe | 0.% | 60 mo | Nov 30, 2026 | National | For well-qualified buyers on approved credit through Hyundai Motor Finance; $16.67 per month per $1,000 financed; first payment deferred 90 days (finance charges accrue from contract execution); no down payment required other than any bonus cash requirements; may not be combined with other special offers. Excludes tax, license, title, registration, dealer fees. | hyundaiusa.comchecked Nov 6, 2026 |
| 2026 Hyundai Santa Fe Hybrid | 0.% | 60 mo | Nov 30, 2026 | National | For well-qualified buyers on approved credit through Hyundai Motor Finance; $16.67 per month per $1,000 financed; first payment deferred 90 days (finance charges accrue from contract execution); no down payment required other than any bonus cash requirements; may not be combined with other special offers. Excludes tax, license, title, registration, dealer fees. | hyundaiusa.comchecked Nov 6, 2026 |
| 2026 Hyundai Tucson (excludes Hybrid) | 0.% | 60 mo | Nov 30, 2026 | National | For well-qualified buyers on approved credit through Hyundai Motor Finance; $16.67 per month per $1,000 financed; first payment deferred 90 days (finance charges accrue from contract execution); no down payment required other than any bonus cash requirements; may not be combined with other special offers. Excludes tax, license, title, registration, dealer fees. | hyundaiusa.comchecked Nov 6, 2026 |
| 2026 Kia EV6 | 0.% | 60 mo0.99% up to 66 mo; 1.49% up to 72 mo; 2.49% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 Kia EV9 | 0.% | 60 mo0.49% up to 66 mo; 0.90% up to 72 mo; 1.99% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. Card heading: '60 Months, Including $5,000 APR Bonus Cash'. | kia.comchecked Nov 6, 2026 |
| 2027 Hyundai Santa Fe | 0.% | 60 mo | Nov 30, 2026 | National | For well-qualified buyers on approved credit through Hyundai Motor Finance; $16.67 per month per $1,000 financed; first payment deferred 90 days (finance charges accrue from contract execution); no down payment required other than any bonus cash requirements; may not be combined with other special offers. Excludes tax, license, title, registration, dealer fees. | hyundaiusa.comchecked Nov 6, 2026 |
| 2027 Hyundai Santa Fe Hybrid | 0.% | 60 mo | Nov 30, 2026 | National | For well-qualified buyers on approved credit through Hyundai Motor Finance; $16.67 per month per $1,000 financed; first payment deferred 90 days (finance charges accrue from contract execution); no down payment required other than any bonus cash requirements; may not be combined with other special offers. Excludes tax, license, title, registration, dealer fees. | hyundaiusa.comchecked Nov 6, 2026 |
| 2026 Kia Sorento | 0.% | 48 mo1.49% up to 60 mo; 3.49% up to 66 mo; 3.99% up to 72 mo; 4.99% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 Kia Sorento Hybrid | 0.% | 48 mo1.49% up to 60 mo; 3.49% up to 66 mo; 3.99% up to 72 mo; 4.99% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 Kia Sorento Plug-in Hybrid | 0.% | 48 mo1.49% up to 60 mo; 3.49% up to 66 mo; 3.99% up to 72 mo; 4.99% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 Kia Sportage | 0.% | 48 mo1.49% up to 60 mo; 3.49% up to 66 mo; 3.99% up to 72 mo; 4.99% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 Kia Sportage Hybrid | 0.% | 48 mo1.49% up to 60 mo; 3.49% up to 66 mo; 3.99% up to 72 mo; 4.99% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 Kia Sportage Plug-in Hybrid | 0.% | 48 mo1.49% up to 60 mo; 2.49% up to 66 mo; 3.49% up to 72 mo; 5.50% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 GMC Sierra 1500 | 0.% | Not stated | Not stated | National | Tile: '0% APR for well-qualified buyers' plus no monthly payments until next year; '$11,549 total value when you trade in an eligible vehicle' (includes $4,949 average finance savings + $3,500 trade allowance + $1,350 engine credit + $1,750 bonus cash). Term not stated on tile. GMC homepage 'Black Friday all month long' tiles; GM Financial, well-qualified buyers; dynamic disclosure text not readable — expiry/fine print not captured | gmc.comchecked Nov 6, 2026 |
At 0%, every $10,000 financed is $167/month over 60 months or $139/month over 72, with no interest. The catch: 0% usually needs top-tier credit through the automaker's lender, and it often replaces a cash rebate. If a rebate is offered instead, compare the two at the rate your own bank or credit union quotes. The finance calculator does the math.
Other low-APR offers
| Vehicle | APR | Term | Expires | Where | Fine print | Source |
|---|---|---|---|---|---|---|
| 2027 Kia EV3 | 0.9% | 48 mo1.99% up to 60 mo; 2.99% up to 66 mo; 3.99% up to 72 mo; 6.00% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2027 Kia Sportage Hybrid | 0.9% | 48 mo1.99% up to 60 mo; 3.49% up to 66 mo; 4.49% up to 72 mo; 6.25% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 GMC Hummer EV Pickup / Hummer EV SUV | 0.9% | Not stated | Not stated | National | Term not stated. GMC homepage 'Black Friday all month long' tiles; GM Financial, well-qualified buyers; dynamic disclosure text not readable — expiry/fine print not captured | gmc.comchecked Nov 6, 2026 |
| 2027 Toyota bZ Woodland | 0.99% | 72 mo0.99% for 24 mo; 0.99% for 36 mo; 0.99% for 48 mo; 0.99% for 60 mo | Nov 30, 2026 | Regional: ZIP 90012, Southern California | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. $14.31 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2027 Toyota bZ Woodland | 0.99% | 72 mo0.99% for 24 mo; 0.99% for 36 mo; 0.99% for 48 mo; 0.99% for 60 mo | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. $14.31 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota bZ | 1.49% | 72 mo1.49% for 24 mo; 1.49% for 36 mo; 1.49% for 48 mo; 1.49% for 60 mo | Nov 30, 2026 | Regional: ZIP 90012, Southern California | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. $14.53 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2026 Kia Carnival MPV | 1.9% | 48 mo2.99% up to 60 mo; 3.99% up to 66 mo; 4.49% up to 72 mo; 6.49% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 Kia Carnival MPV Hybrid | 1.9% | 48 mo2.99% up to 60 mo; 3.99% up to 66 mo; 4.49% up to 72 mo; 6.49% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 Kia K5 | 1.9% | 48 mo2.99% up to 60 mo; 3.99% up to 66 mo; 4.49% up to 72 mo; 6.25% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 Kia Niro | 1.9% | 48 mo2.99% up to 60 mo; 3.49% up to 66 mo; 3.99% up to 72 mo; 5.99% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 Toyota bZ | 1.99% | 72 mo1.99% for 24 mo; 1.99% for 36 mo; 1.99% for 48 mo; 1.99% for 60 mo | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. Rate includes $250 cash incentive applied toward required down payment (per offer bullet); no cash-back option. $14.75 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota Prius Plug-in Hybrid | 1.99% | 72 mo1.99% for 24 mo; 1.99% for 36 mo; 1.99% for 48 mo; 1.99% for 60 mo | Nov 30, 2026 | Regional: ZIP 90012, Southern California | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. $14.75 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota Tundra | 1.99% | 72 mo1.99% for 24 mo; 1.99% for 36 mo; 1.99% for 48 mo; 1.99% for 60 mo | Nov 30, 2026 | Regional: ZIP 90012, Southern California | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. $14.75 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota Tundra | 1.99% | 72 mo1.99% for 24 mo; 1.99% for 36 mo; 1.99% for 48 mo; 1.99% for 60 mo | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. $14.75 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota Tundra i-FORCE MAX | 1.99% | 72 mo1.99% for 24 mo; 1.99% for 36 mo; 1.99% for 48 mo; 1.99% for 60 mo | Nov 30, 2026 | Regional: ZIP 90012, Southern California | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. $14.75 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota Tundra i-FORCE MAX | 1.99% | 72 mo1.99% for 24 mo; 1.99% for 36 mo; 1.99% for 48 mo; 1.99% for 60 mo | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. $14.75 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
| 2026 Genesis G70 | 1.99% | 60 mo | Jan 4, 2027 | National | Genesis Signature Event: well-qualified buyers on approved credit through Genesis Motor Finance; $17.52 per month per $1,000 financed; no down payment required; must take delivery from new dealer stock | genesis.comchecked Nov 6, 2026 |
| 2026 Genesis GV80 | 1.99% | 60 mo | Jan 4, 2027 | National | Genesis Signature Event: well-qualified buyers on approved credit through Genesis Motor Finance; $17.52 per month per $1,000 financed; no down payment required; must take delivery from new dealer stock | genesis.comchecked Nov 6, 2026 |
| 2026 Genesis GV80 Coupe | 1.99% | 60 mo | Jan 4, 2027 | National | Genesis Signature Event: well-qualified buyers on approved credit through Genesis Motor Finance; $17.52 per month per $1,000 financed; no down payment required; must take delivery from new dealer stock | genesis.comchecked Nov 6, 2026 |
| 2027 Genesis G70 | 1.99% | 60 mo | Jan 4, 2027 | National | Genesis Signature Event: well-qualified buyers on approved credit through Genesis Motor Finance; $17.52 per month per $1,000 financed; no down payment required; must take delivery from new dealer stock | genesis.comchecked Nov 6, 2026 |
| 2027 Genesis G80 | 1.99% | 60 mo | Jan 4, 2027 | National | Genesis Signature Event: well-qualified buyers on approved credit through Genesis Motor Finance; $17.52 per month per $1,000 financed; no down payment required; must take delivery from new dealer stock | genesis.comchecked Nov 6, 2026 |
| 2027 Genesis GV70 | 1.99% | 60 mo | Jan 4, 2027 | National | Genesis Signature Event: well-qualified buyers on approved credit through Genesis Motor Finance; $17.52 per month per $1,000 financed; no down payment required; must take delivery from new dealer stock | genesis.comchecked Nov 6, 2026 |
| 2027 Genesis GV80 | 1.99% | 60 mo | Jan 4, 2027 | National | Genesis Signature Event: well-qualified buyers on approved credit through Genesis Motor Finance; $17.52 per month per $1,000 financed; no down payment required; must take delivery from new dealer stock | genesis.comchecked Nov 6, 2026 |
| 2027 Genesis GV80 Coupe | 1.99% | 60 mo | Jan 4, 2027 | National | Genesis Signature Event: well-qualified buyers on approved credit through Genesis Motor Finance; $17.52 per month per $1,000 financed; no down payment required; must take delivery from new dealer stock | genesis.comchecked Nov 6, 2026 |
| 2027 Kia Sorento | 1.99% | 48 mo2.99% up to 60 mo; 3.99% up to 66 mo; 4.99% up to 72 mo; 6.50% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2027 Kia Sorento Hybrid | 1.99% | 48 mo2.99% up to 60 mo; 3.99% up to 66 mo; 4.99% up to 72 mo; 6.50% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2027 Kia Sportage | 1.99% | 48 mo2.99% up to 60 mo; 3.99% up to 66 mo; 4.99% up to 72 mo; 6.50% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2027 Kia Sportage Plug-in Hybrid | 1.99% | 48 mo2.99% up to 60 mo; 3.99% up to 66 mo; 4.99% up to 72 mo; 6.50% up to 84 mo | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | APR financing subject to credit approval by Kia Finance America (KFA), for well-qualified buyers; not available on balloon financing; only a limited number of customers will qualify. | kia.comchecked Nov 6, 2026 |
| 2026 Mercedes-Benz Select models | 1.99% | 24 mo | Nov 30, 2026 | National | Qualified customers only; $42.54 per month per $1,000 financed; excludes leases and balloon contracts; through Mercedes-Benz Financial Services; rate applies only to 2026 model vehicles listed. Model list inferred from page disclaimer keys (e.g. c300w-MY26, glc300w-MY26), not from visible cards. Eligible models are listed in the page disclaimers; verify your model with the dealer. | mbusa.comchecked Nov 6, 2026 |
| 2026 Toyota C-HR | 2.75% | 72 mo2.75% for 24 mo; 2.75% for 36 mo; 2.75% for 48 mo; 2.75% for 60 mo | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | Terms on approved credit through Toyota Financial Services; for only very well qualified customers (per offer disclaimer). Dealer sets final price. $15.08 per $1,000 financed. | toyota.comchecked Nov 6, 2026 |
Lease deals, ranked by true monthly cost
The headline payment leaves out the due-at-signing money. “True monthly” adds it back and spreads it over the term (if due-at-signing already includes the first payment, that payment is not counted twice). Tax, registration and dealer fees not in the advertised figure are extra.
| Vehicle | Payment | Due at signing | Term / miles | True monthly | Advertised total | Expires | Where | Source |
|---|---|---|---|---|---|---|---|---|
| 2026 Kia K4 LXS FWD$209 first monthly payment, $2,640 capitalized cost reduction, and $650 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $209/mo | $3,499 | 36 mo / 10,000 mi/yr | $300/mo | $10,814 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Toyota Corolla 2WD 4Dr. Sedan LE L4 CVT-F$2,999 Due At Signing includes $2,010 customer down payment, first month's payment of $239 of the 36 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $239/mo | $2,999 | 36 mo / 10,000 mi/yr | $316/mo | $11,364 | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2027 Kia K4 LXS FWD$229 first monthly payment, $2,620 capitalized cost reduction, and $650 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $229/mo | $3,499 | 36 mo / 10,000 mi/yr | $320/mo | $11,514 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2027 Toyota Corolla 2WD 4Dr. Sedan LE L4 CVT-F$3,999 Due At Signing includes $3,020 customer down payment, first month's payment of $229 of the 39 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $229/mo | $3,999 | 39 mo / 10,000 mi/yr | $326/mo | $12,701 | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
| 2026 Kia K4 Hatchback EX FWD$239 first monthly payment, $2,610 capitalized cost reduction, and $650 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $239/mo | $3,499 | 36 mo / 10,000 mi/yr | $330/mo | $11,864 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Kia Sportage LX FWD$229 first monthly payment, $3,066.48 capitalized cost reduction, and $650.00 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $229/mo | $3,946 | 36 mo / 10,000 mi/yr | $332/mo | $11,961 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Toyota Corolla Hatchback 2WD 5Dr. Hatch Back SE L4 CVT-F$2,999 Due At Signing includes $1,990 customer down payment, first month's payment of $259 of the 36 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $259/mo | $2,999 | 36 mo / 10,000 mi/yr | $335/mo | $12,064 | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2027 Toyota Corolla 2WD 4Dr. Sedan LE L4 CVT-F$2,999 Due At Signing includes $1,990 customer down payment, first month's payment of $259 of the 36 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $259/mo | $2,999 | 36 mo / 10,000 mi/yr | $335/mo | $12,064 | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2026 Kia K5 LXS FWD$239 first monthly payment, $2,877.41 capitalized cost reduction, and $650.00 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $239/mo | $3,767 | 36 mo / 10,000 mi/yr | $337/mo | $12,132 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2027 Kia Seltos LX FWD$239 first monthly payment, $2,910 capitalized cost reduction, and $650 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $239/mo | $3,799 | 36 mo / 10,000 mi/yr | $338/mo | $12,164 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2027 Toyota Corolla Hatchback 2WD 5Dr. Hatch Back SE L4 CVT-F$3,999 Due At Signing includes $3,000 customer down payment, first month's payment of $249 of the 39 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $249/mo | $3,999 | 39 mo / 10,000 mi/yr | $345/mo | $13,461 | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
| 2026 Kia Niro LX FWD$259 first monthly payment, $2,590 capitalized cost reduction, and $650 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $259/mo | $3,499 | 36 mo / 10,000 mi/yr | $349/mo | $12,564 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2027 Kia K4 Hatchback EX FWD$259 first monthly payment, $2,590 capitalized cost reduction, and $650 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $259/mo | $3,499 | 36 mo / 10,000 mi/yr | $349/mo | $12,564 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Kia Sportage Hybrid LX FWD$249 first monthly payment, $3,046.09 capitalized cost reduction, and $650.00 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $249/mo | $3,946 | 36 mo / 10,000 mi/yr | $352/mo | $12,661 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2027 Toyota Corolla Hybrid 2WD 4Dr. Sedan LE Hybrid CVT-F$3,999 Due At Signing includes $2,990 customer down payment, first month's payment of $259 of the 39 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $259/mo | $3,999 | 39 mo / 10,000 mi/yr | $355/mo | $13,841 | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
| 2027 Kia Sportage LX FWD$259 first monthly payment, $3,090 capitalized cost reduction, and $650 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $259/mo | $3,999 | 36 mo / 10,000 mi/yr | $363/mo | $13,064 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2027 Toyota Corolla Hatchback 2WD 5Dr. Hatch Back SE L4 CVT-F$2,999 Due At Signing includes $1,960 customer down payment, first month's payment of $289 of the 36 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $289/mo | $2,999 | 36 mo / 10,000 mi/yr | $364/mo | $13,114 | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota Corolla Cross 4WD 5Dr. SUV L L4 CVT-F$3,999 Due At Signing includes $2,980 customer down payment, first month's payment of $269 of the 39 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $269/mo | $3,999 | 39 mo / 10,000 mi/yr | $365/mo | $14,221 | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
| 2027 Kia Niro LX FWD$269 first monthly payment, $2,880 capitalized cost reduction, and $650 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $269/mo | $3,799 | 36 mo / 10,000 mi/yr | $367/mo | $13,214 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2027 Kia K5 LXS FWD$279 first monthly payment, $2,570 capitalized cost reduction, and $650 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $279/mo | $3,499 | 36 mo / 10,000 mi/yr | $368/mo | $13,264 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2027 Kia Sportage Hybrid LX FWD$269 first monthly payment, $3,080 capitalized cost reduction, and $650 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $269/mo | $3,999 | 36 mo / 10,000 mi/yr | $373/mo | $13,414 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2027 Toyota Corolla Hybrid 2WD 4Dr. Sedan LE Hybrid CVT-F$2,999 Due At Signing includes $1,950 customer down payment, first month's payment of $299 of the 36 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $299/mo | $2,999 | 36 mo / 10,000 mi/yr | $374/mo | $13,464 | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota RAV4 2WD 5Dr. Wagon LE Hybrid CVT$3,999 Due At Signing includes $2,970 customer down payment, first month's payment of $279 of the 36 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $279/mo | $3,999 | 36 mo / 10,000 mi/yr | $382/mo | $13,764 | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota Tacoma 2WD Double Cab SR5 L4 8AT$3,999 Due At Signing includes $2,970 customer down payment, first month's payment of $279 of the 36 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $279/mo | $3,999 | 36 mo / 10,000 mi/yr | $382/mo | $13,764 | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2027 Chevrolet Equinox LT FWD'$3,049 due at signing after all offers'; $0 acquisition fee ($695 value); tax, title and license fees extra; no security deposit | $299/mo | $3,049 | 36 mo / 10,000 mi/yr | $384/mo | $13,813 | Not stated | National | chevrolet.comchecked Nov 6, 2026 |
| 2026 Kia Sorento LX FWD$289 first monthly payment, $3,006.03 capitalized cost reduction, and $650.00 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $289/mo | $3,946 | 36 mo / 10,000 mi/yr | $391/mo | $14,061 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Kia Niro EV Wind FWD$289 first monthly payment, $3,060 capitalized cost reduction, and $650 acquisition fee; MSRP excludes taxes, title, license fees, options, dealer conveyance/processing fees and retailer charges | $289/mo | $3,999 | 36 mo / 10,000 mi/yr | $392/mo | $14,114 | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Toyota Tacoma 4WD Double Cab SR5 L4 8AT$3,999 Due At Signing includes $2,950 customer down payment, first month's payment of $299 of the 39 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $299/mo | $3,999 | 39 mo / 10,000 mi/yr | $394/mo | $15,361 | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
| 2027 Toyota Camry 2WD 4Dr. Sedan LE Hybrid CVT$3,999 Due At Signing includes $2,950 customer down payment, first month's payment of $299 of the 39 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $299/mo | $3,999 | 39 mo / 10,000 mi/yr | $394/mo | $15,361 | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
| 2027 Toyota Prius 2WD 5Dr. Sedan LE Hybrid CVT-F$3,999 Due At Signing includes $2,950 customer down payment, first month's payment of $299 of the 39 month lease offer, and $750 Acquisition Fee. Tax, title, license are extra. | $299/mo | $3,999 | 39 mo / 10,000 mi/yr | $394/mo | $15,361 | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
Showing the 30 lowest of 100 advertised leases; all are in the CSV.
Is a $0-down lease worth it? The math
“$0 down” usually means no down payment (capitalized cost reduction), not nothing at signing. Unless an ad says $0 due at signing, expect to pay the first month, the lender's acquisition fee, the dealer's doc fee, registration and upfront taxes when you pick up the car, or have them added to the payment.
Putting cash down on a lease doesn't make the car cheaper; it prepays the depreciation you'd pay monthly anyway. Moving it into the payments costs roughly the amount ÷ the term per month, plus a finance charge on that amount (the money factor). The upside of $0 down: if the car is totaled or stolen early, gap coverage settles the lease but your down payment is usually gone.
Worked example, 2026 Kia K4 LXS FWD: $209/mo with $3,499 due at signing over 36 months (due at signing includes the first payment). Making it $0 due means rolling about $3,290 into the payments: roughly $91/mo more, so about $300/mo before the extra finance charge. The advertised total is $10,814 either way, plus taxes and fees.
Rule of thumb: compare leases by the true monthly cost above, keep money at signing to the first payment and fees, and negotiate the selling price (capitalized cost) like a purchase. A strong target is a discount off MSRP in dollars and percent, before rebates and with no dealer add-ons; the New-Car Price Report shows what verified buyers are getting. Run your own numbers in the lease calculator.
Cash rebates
| Vehicle | Amount | Type | Expires | Where | Source |
|---|---|---|---|---|---|
| 2026 Kia Niro EVavailable toward purchase | $10,000 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Kia EV9available toward purchase | $10,000 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Kia EV6available toward purchase | $5,000 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Mazda CX-90 PHEVIn lieu of Mazda Financial Services special finance or lease programs; available at US dealers regardless of buyer's residency | $5,000 | Mazda Customer Cash | Nov 30, 2026 | National | mazdausa.comchecked Nov 6, 2026 |
| 2026 Nissan Rogue (2026.5), Frontier, Murano, Armada, Pathfinder, Rogue Plug-In HybridFor well-qualified buyers who finance through NMAC; excludes dealer fees, tax, title, and license; per-model amounts not stated | $5,000 | up to $5,000 Retail Holiday Cash | Not stated | National | nissanusa.comchecked Nov 6, 2026 |
| 2026 Kia Sorento Plug-in Hybridavailable toward purchase | $3,500 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Mazda CX-70 Inline 6In lieu of Mazda Financial Services special finance or lease programs; available at US dealers regardless of buyer's residency | $3,500 | Mazda Customer Cash | Nov 30, 2026 | National | mazdausa.comchecked Nov 6, 2026 |
| 2026 Mazda CX-90 Inline 6In lieu of Mazda Financial Services special finance or lease programs; available at US dealers regardless of buyer's residency | $3,500 | Mazda Customer Cash | Nov 30, 2026 | National | mazdausa.comchecked Nov 6, 2026 |
| 2026 Toyota bZStandard Toyota Financial Services lease rate must apply. | $3,250 | TFS Lease Cash | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
| 2026 Mazda CX-50 2.5 Turbo, 2.5 Turbo Meridian Edition, 2.5 Turbo Premium PlusIn lieu of Mazda Financial Services special finance or lease programs; available at US dealers regardless of buyer's residency | $3,000 | Mazda Customer Cash | Nov 30, 2026 | National | mazdausa.comchecked Nov 6, 2026 |
| 2026 Kia Sorentoavailable toward purchase | $2,750 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Kia Sorento Hybridavailable toward purchase | $2,750 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Toyota bZ WoodlandStandard Toyota Financial Services lease rate must apply. | $2,500 | TFS Lease Cash | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
| 2026 Kia Niroavailable toward purchase | $2,000 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Kia Carnival MPVavailable toward purchase | $2,000 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Toyota C-HRStandard Toyota Financial Services lease rate must apply. | $1,750 | TFS Lease Cash | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota bZOffer Details | $1,500 | TFS Lease Cash | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota bZ WoodlandOffer Details | $1,500 | TFS Lease Cash | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2027 Kia EV3available toward purchase | $1,500 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Kia Carnival MPV LX, LXS, EX, SXavailable toward purchase | $1,500 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Mazda CX-50 Hybrid Premium, Premium PlusIn lieu of Mazda Financial Services special finance or lease programs; available at US dealers regardless of buyer's residency | $1,500 | Mazda Customer Cash | Nov 30, 2026 | National | mazdausa.comchecked Nov 6, 2026 |
| 2027 Chevrolet Equinox LTTile text: '$1,250 Lease Cash Allowance when you finance with GM Financial'. Homepage tile; disclosure fragments are under 'november_2026' paths but their text loads dynamically and could not be read — expiry/fine print not captured | $1,250 | Lease Cash Allowance | Not stated | National | chevrolet.comchecked Nov 6, 2026 |
| 2026 Toyota Tundra i-FORCE MAXOffer Details | $1,000 | Customer Cash | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota TundraOffer Details | $1,000 | Customer Cash | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2027 Toyota TundraOffer Details | $1,000 | Customer Cash | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2027 Toyota Tundra i-FORCE MAXOffer Details | $1,000 | Customer Cash | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota TundraGet 1,000 Customer Cash on a new 2026 Tundra | $1,000 | Customer Cash | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
| 2026 Toyota Tundra i-FORCE MAXGet 1,000 Customer Cash on a new 2026 Tundra i-FORCE MAX | $1,000 | Customer Cash | Nov 30, 2026 | Regional: ZIP 60601, Chicago region | toyota.comchecked Nov 6, 2026 |
| 2027 Kia Niroavailable toward purchase | $1,000 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Mazda CX-30In lieu of Mazda Financial Services special finance or lease programs; available at US dealers regardless of buyer's residency | $1,000 | Mazda Customer Cash | Nov 30, 2026 | National | mazdausa.comchecked Nov 6, 2026 |
| 2026 Mazda CX-50 2.5 S Select, 2.5 S Preferred, 2.5 S Meridian Edition, 2.5 S PremiumIn lieu of Mazda Financial Services special finance or lease programs; available at US dealers regardless of buyer's residency | $1,000 | Mazda Customer Cash | Nov 30, 2026 | National | mazdausa.comchecked Nov 6, 2026 |
| 2026 Mazda CX-5 2.5 S, 2.5 S Select, 2.5 S PreferredIn lieu of Mazda Financial Services special finance or lease programs; available at US dealers regardless of buyer's residency | $1,000 | Mazda Customer Cash | Nov 30, 2026 | National | mazdausa.comchecked Nov 6, 2026 |
| 2026 Kia Sportageavailable toward purchase | $750 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Kia Sportage Hybridavailable toward purchase | $750 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2026 Kia K5available toward purchase | $750 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
| 2027 Toyota bZOffer Details | $500 | TFS Lease Cash | Nov 30, 2026 | Regional: ZIP 90012, Southern California | toyota.comchecked Nov 6, 2026 |
| 2027 Kia Sportage Hybridavailable toward purchase | $500 | Customer Cash | Jan 4, 2027 | Regional: ZIP 90012, Los Angeles | kia.comchecked Nov 6, 2026 |
Coverage and method
Every offer above was copied from the automaker's own offer page or newsroom on the date shown, with a link. We list only offers we actually opened; nothing comes from dealer sites or third-party deal lists. Offers tied to a ZIP code or region are labeled regional with the location the page used; your local offer may differ. Every offer below was confirmed on 2026-11-06 by a single standard request to the automaker page or to the public data feed that page loads (no changed user-agent, no retries after a block). Offers that could not be confirmed that way were removed.
Brands checked: Toyota, Chevrolet, Hyundai, Kia, Nissan, Mazda, GMC, Mercedes-Benz, Genesis. Not verifiable this month: Honda (offer page refused our request); Ford (offer page refused our request); Subaru (offer page showed no readable offers without a ZIP-entry app); Jeep/Ram (offer page showed no readable offers without a ZIP-entry app); Volkswagen (offer page showed no readable offers without a ZIP-entry app); Lexus (offer page showed no readable offers without a ZIP-entry app); Acura (offer page refused our request); BMW (offer page refused our request); Tesla (offer page refused our request); Buick (offer page showed no readable offers without a ZIP-entry app); Audi (offer page refused our request); Volvo (offer page refused our request).
How to cite or embed
Suggested citation: CarWhere Research, “0% APR and Lease Deals This Month: November 2026,” www.carwhere.com/research/studies/0-apr-and-lease-deals/2026-11, published November 6, 2026.
Quotable sentence
According to CarWhere's November 2026 check of automakers' own offer pages, Kia, Mazda, Toyota, Chevrolet, Hyundai and GMC advertised 0% APR financing on at least one new model; offers change monthly and vary by region and credit.
Link (HTML)
<a href="https://www.carwhere.com/research/studies/0-apr-and-lease-deals/2026-11">CarWhere: 0% APR and Lease Deals (November 2026)</a>
Related
All editions
- November 2026 · 20 0% APR offers, 249 offers total
A new edition is published early each month. First published November 6, 2026.
FAQ
Who has 0% financing right now?
In November 2026, Kia, Mazda, Toyota, Chevrolet, Hyundai and GMC advertised 0% APR on their own offer pages: 2026 Kia Niro EV (72 months, through Jan 4, 2027, ZIP 90012, Los Angeles); 2026 Mazda CX-90 PHEV (72 months, through Nov 30, 2026); 2026 Toyota bZ Woodland (72 months, through Nov 30, 2026, ZIP 90012, Southern California); 2026 Toyota Mirai (72 months, through Nov 30, 2026, ZIP 90012, Southern California); 2026 Chevrolet Silverado 1500 (60 months); 2026 Hyundai Santa Fe (60 months, through Nov 30, 2026); 2026 Hyundai Santa Fe Hybrid (60 months, through Nov 30, 2026); 2026 Hyundai Tucson (excludes Hybrid) (60 months, through Nov 30, 2026), and more in the table. 0% is for buyers with top-tier credit through the automaker's finance arm, and it often replaces a cash rebate rather than stacking with it.
Do Toyotas do 0% finance?
Yes, on some models this month: 2026 Toyota bZ Woodland at 0% (72 months) (ZIP 90012, Southern California); 2026 Toyota bZ Woodland at 0% (72 months) (ZIP 60601, Chicago region); 2026 Toyota Mirai at 0% (72 months) (ZIP 90012, Southern California). Toyota offers vary by region, so check the offer page with your ZIP.
Is a $0-down lease worth it?
Often, yes, because money put down on a lease mostly prepays the payments. If the car is totaled or stolen early, gap coverage pays off the lease but your down payment is usually gone. A $0-down lease isn't free, though: the money you didn't pay up front moves into the payments (about the amount ÷ the term, plus a small finance charge), and taxes, registration and dealer fees are usually still due or financed. Example: the 2026 Kia K4 LXS FWD is $209/mo with $3,499 due at signing; rolling that $3,290 into the payments would add roughly $91/mo or more. Compare leases by total cost, not the monthly headline.
What are the best lease deals right now?
Ranked by true monthly cost (payments plus due-at-signing, spread over the term): 2026 Kia K4 LXS FWD ≈ $300/mo ($209/mo + $3,499 at signing, 36 mo); 2026 Toyota Corolla 2WD 4Dr. Sedan LE L4 CVT-F ≈ $316/mo ($239/mo + $2,999 at signing, 36 mo); 2027 Kia K4 LXS FWD ≈ $320/mo ($229/mo + $3,499 at signing, 36 mo). Mileage limits and the acquisition fee vary; the table shows each offer's fine print.
Are these offers national?
38 of the 249 offers listed were national as published; 211 were regional and are labeled with the ZIP or region the automaker's page used. Offers change monthly, often mid-month. Verify the current offer with the dealer before you sign.
Where does this list come from?
Only from automakers' own offer pages, opened on the fetch date shown on each row. We don't copy offers from dealer sites or third-party deal lists. Brands we couldn't verify this month: Honda, Ford, Subaru, Jeep/Ram, Volkswagen, Lexus, Acura, BMW, Tesla, Buick, Audi and Volvo. A new edition is published every month; past editions stay online unchanged.