What are current auto loan rates for new 2025 luxury SUVs in January 2026?
New 2025 luxury SUVs like the Acura MDX offer auto loan rates that start at 3.99% APR for 24 to 60 months. Buyers with strong credit qualify for this rate. Select models come with 0.0% APR for 24, 36, 39, 42, 48, or 60 months. Acura runs these offers until March 2, 2026.
Rates match across sites. TrueCar lists 3.99% financing for 2025 and 2026 Acura MDX models. Kelley Blue Book shows the same 3.99% APR for 24 to 60 months on the MDX.
Your rate depends on credit score, loan term, and dealer deals. Credit scores above 740 get 3.99% or 0.0%. Buyers with average credit pay 6.32% to 6.43% for 72 months. That works out to about $16.72 per $1,000 financed each month.
In ZIP code 85281 near Tempe, AZ, local Acura dealers match these national rates. Call dealers to check terms based on your credit.
Example Monthly Payments
Here is a breakdown for a $70,000 2025 Acura MDX:
| APR | Term (months) | Monthly Payment |
|---|---|---|
| 3.99% | 60 | $1,320 |
| 0.0% | 48 | $1,458 |
| 6.43% | 72 | $1,160 |
These numbers exclude taxes, fees, and down payments. Use a loan calculator for your exact figures.
Rates Depend on Key Factors
Credit scores over 740 score the best rates. Longer terms raise total interest paid. Dealers set final terms.
Practical Tips to Get the Best Rate
- Check your credit score now. Scores over 740 qualify for 3.99% or 0.0%.
- Compare offers from three local dealers.
- Ask about 0.0% promo terms up to 60 months.
- Finance through Acura Financial Services for special APR deals.
- Put down more money upfront to cut your rate and payment.
Shop soon. Most deals end March 2, 2026. Rates may rise after that.
Sidekick compares rates and estimates total costs. Enter your ZIP code and Acura MDX details for custom quotes and savings tips.