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These top 5 sedans come with competitive APRs and customizable loan options that make ownership more accessible than ever.
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Whether you’re just starting out or upgrading from your first car, these entry-level sedans deliver value, comfort, and affordability.
Looking for an affordable car that won’t crush your wallet with high loan payments? We’ve got your back. In 2025, getting a good deal on financing can be just as important as getting a good deal on the car itself. So, if you’re in the market for a budget-friendly sedan and want to keep your monthly payments low, these are the top 5 entry-level sedans with the lowest financing costs right now.
Why It Matters 🧠
With new car prices averaging around $48,000 and average new-car APRs hovering between 6% and 7%, finding a sedan with low MSRP and low interest financing can save you thousands. Let’s break down the best options in 2025.
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🚘 Top 5 Sedans with the Lowest Financing Costs
1. Nissan Versa
- MSRP: ~$18,300
- Typical APR: 0%–1.9%
- Why It’s a Win: Cheapest new car on the market + great APR offers = super low monthly payments.
2. Hyundai Elantra
- MSRP: ~$23,200
- APR Deals: 3.99% for 72 months
- Highlight: Often comes with long-term promo deals—ideal for stretching out payments.
3. Toyota Corolla
- MSRP: ~$23,460
- APR Range: 3.49%–4.5%
- Perks: Known for reliability and often paired with competitive financing from Toyota Financial.
4. Honda Civic
- MSRP: ~$24,250
- Current Deal: 0% APR until mid-2026 (select trims)
- Why It Stands Out: Honda keeps resale value high, plus zero-interest is a huge win.
5. Kia K4 (formerly Forte)
- MSRP: ~$23,500
- Typical APR: 3.9%–4.5%
- Bonus: Redesigned in 2025 with tech upgrades and steady financing promos.
📊 Quick Comparison Table
| Model | MSRP | Typical APR | Monthly Est. (60 mo) | Promo Term |
|---|---|---|---|---|
| Nissan Versa | $18,300 | 1.9% | ~$320 | 36–60 mo |
| Hyundai Elantra | $23,200 | 3.99% | ~$430 | 60–72 mo |
| Toyota Corolla | $23,460 | 4.5% | ~$440 | 60 mo |
| Honda Civic | $24,250 | 0% | ~$405 | up to 60 mo |
| Kia K4 | $23,500 | 4.2% | ~$438 | 60 mo |
💡 Who Should Consider These Sedans?
These are perfect for:
- First-time buyers
- Anyone with a credit score above 660
- Shoppers who want reliable daily drivers
- Those who prefer dealer financing over banks
🛠️ How to Get the Best Deal
- Check manufacturer offers monthly.
- Get prequalified (soft check won’t hurt credit).
- Negotiate APR, not just car price.
- Shorter loan terms = less total interest.
✅ Final Thoughts
Want a smooth ride without the stress of sky-high financing? These five sedans offer some of the lowest-cost financing in 2025. Whether you want zero interest, low payments, or just a solid starter car, one of these is bound to fit your budget.
👉 Check your rate today with no credit impact and see how much you can save.
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