Well-qualified buyers can now take advantage of a rare 0 percent APR financing offer for up to 60 months (or 5 years) on select 2026 R1T and R1S models. This special deal notably applies to new 2026 R1 Dual Motor and Tri Motor vehicles equipped with the Large battery and Performance Upgrade.
While 0 percent APR deals were common in the pre-pandemic era, they have become increasingly rare as interest rates have climbed in recent years. This makes the current offer especially noteworthy for prospective buyers looking to save on financing costs.
### The Tax Credit Fallout
The timing of this financing offer is no coincidence. Fourth-quarter deliveries fell more than 31 percent year-over-year, while full-year 2025 sales dropped by 18.1 percent. Although the company indicated that the decline was expected, expectations alone don’t pay the bills.
### The Value of 0% APR Financing
While zero-percent APR financing doesn’t reduce the sticker price of a vehicle, over the course of five years it can save buyers tens of thousands of dollars compared to conventional loans. This significant saving may provide the incentive some customers need to make a purchase.
Whether this 0% financing offer will be enough to meaningfully move inventory remains to be seen. The key question is whether the company can adapt to the changing market conditions without compromising its financial health.
https://www.carscoops.com/2026/01/rivian-just-launched-its-most-aggressive-offer-yet-but-time-is-ticking/