- Rivian is offering a rare deal on select 2026 R1 models.
- The deal comes months after federal EV tax credits expired.
- Sales dropped sharply in late 2025, increasing pressure.
If you’ve been in the market for a new Rivian or even just a luxury EV, there’s a new deal available on the R1T and R1S. Well-qualified buyers can get a rare 0 percent APR financing offer for up to 60 months or 5 years on select 2026 R1T and R1S models.
Considering the stark contrast this deal has in comparison to others, it seems clear that Rivian is doing whatever it can to rebound after a sharp sales drop.
More: Rivian Lost Thousands Of Buyers Almost Overnight
Rivian says buyers must take advantage of this offer before February 2, and they must accept delivery on or before February 28. Notably, it applies to new 2026 R1 Dual Motor and Tri Motor vehicles equipped with the Large battery and Performance Upgrade. Buyers must finance through Rivian Financial Services.
While 0 percent APR deals used to be common in the pre-pandemic era, they’ve become increasingly rare as interest rates climbed. That makes Rivian’s offer stand out, especially on vehicles that can crest six figures. For example, Rivian says a $102,885 R1T Tri Max would carry monthly payments of $1,706 with no interest over 60 months, assuming qualified credit and a modest deposit of just $500.
The Tax Credit Fallout
As mentioned, the timing here isn’t subtle. Rivian’s sales took a noticeable dive late last year after federal EV tax credits expired in September. Fourth-quarter deliveries fell more than 31 percent year-over-year, while full-year 2025 sales dropped 18.1 percent. The company said the decline was expected, but expectations don’t pay the bills.
Since big tax credits for EVs aren’t returning anytime soon, Rivian now appears to be using financing incentives to recreate some of that lost value. Zero-percent APR doesn’t reduce sticker prices, but over five years, it can save buyers tens of thousands of dollars compared to conventional loans. Whether 0% financing is enough to meaningfully move inventory remains to be seen.
Review: The 2025 Rivian R1S Is An Imperfect, But Promising Look At The Future
That said, it’s clear that Rivian, and likely other EV brands, will need to be willing to pivot and bend around new norms. The question will really be whether or not they can bend without breaking.
