The 72-month 0% era is over… but the new 60-month Jeep offers might actually be better.
Remember when Jeep made headlines for 0% APR for 72 months?
That deal felt unbeatable — six years of interest-free driving on models like the Wrangler, Grand Cherokee, and Gladiator.
Fast-forward to 2026, and times have changed. Interest rates are up, inventory is tighter, and factory financing has shifted.
The good news?
At Simi Valley Chrysler Dodge Jeep Ram, you can still lock in 0% APR for up to 60 months on select new Jeep models — a smarter, faster way to pay less overall.
Here’s why the new 60-month financing strategy may be the best thing Jeep buyers have seen in years.
The 72-Month Myth: Why That Deal Disappeared
The old 0%-for-72 offers came from a perfect economic storm — record-low rates and manufacturer subsidies during 2020–2021.
When global supply issues and rising federal interest rates hit, those long-term, no-interest programs became unsustainable.
Jeep adjusted.
Now, instead of spreading payments over six years, they’ve trimmed terms to five years — giving customers faster payoff timelines and better trade-in equity while still offering true 0% interest through select financing partners.
Why 0% for 60 Months Can Be Even Smarter
Think shorter equals worse? Not here.
Let’s compare how things actually add up:
| Offer | Term | APR | Monthly Payment | Total Paid on $45,000 Vehicle |
|---|---|---|---|---|
| Old Offer (72 mo @ 0%) | 6 years | 0% | $625 | $45,000 |
| New Offer (60 mo @ 0%) | 5 years | 0% | $750 | $45,000 |
| Typical Bank Loan (72 mo @ 6.99%) | 6 years | 6.99% | $754 | $54,288 |
Even with a slightly higher payment, the 60-month 0% saves you nearly $9,300 versus a typical long-term bank loan — all while helping you build vehicle equity faster.
Which Jeep Models Qualify
Simi Valley CDJR’s current 0% APR up to 60 months promotion applies to select new Jeep vehicles (on approved credit through Chrysler Capital).
Eligible models may include:
- 2025 Jeep Grand Cherokee Laredo & Limited
- 2025 Jeep Compass Latitude
- 2025 Jeep Gladiator Sport
- 2025 Jeep Wrangler 4xe (Plug-In Hybrid)
Inventory and eligibility vary monthly — so checking the current New Specials page ensures you’re seeing the latest qualifying models.
Why Jeep Switched to 60-Month Financing
By shortening the term, Jeep ensures:
- Lower manufacturer cost (so programs last longer)
- Better residual values (higher resale and trade-in power)
- Healthier payment-to-value ratios for customers
- More frequent upgrade cycles every five years instead of six
In other words, 0% for 60 months is designed for smarter financial planning, not just cheaper financing.
How to Take Advantage of the Offer
The key to securing 0% APR for 60 months is timing and qualification.
Here’s what to do:
- Apply early. Pre-approvals through Chrysler Capital or Ally are reviewed fastest.
- Pick qualifying inventory. Only specific VINs are eligible — usually tied to promotional allocations.
- Watch the calendar. Most Jeep incentives refresh monthly.
- Leverage your trade-in. Combining 0% APR with trade value reduces your financed amount even further.
The finance team at Simi Valley CDJR can help you structure your payment to maximize this limited-time deal.
Example: The Grand Cherokee Advantage
Let’s take a real-world example — a 2025 Jeep Grand Cherokee Limited 4×4 priced around $47,000.
| Scenario | APR | Term | Total Interest | Payment |
|---|---|---|---|---|
| Jeep 0% @ 60 mo | 0.00% | 60 months | $0 | $783 |
| Standard Bank Loan @ 7.49% | 7.49% | 72 months | $9,900 | $773 |
The difference? Just $10 more per month for the 0% offer — but you’ll save nearly $10,000 in interest and own your Jeep a year sooner.
Additional Incentives You Can Stack
Simi Valley CDJR also allows you to stack 0% APR with additional Jeep programs, where available:
- Military Bonus Cash
- Returning Lessee Rebate
- Conquest or Loyalty Incentives
- EV Federal Credit Pass-Through (on Wrangler 4xe and Grand Cherokee 4xe leases)
The dealership’s finance experts can calculate which combo saves you the most.
Why Simi Valley CDJR Is the Smart Stop
Most Van Nuys and Thousand Oaks shoppers start with a search like “Jeep 0% financing near me” or “Jeep dealer with low APR.”
But few realize that Simi Valley Chrysler Dodge Jeep Ram consistently receives exclusive regional incentives before many metro-area stores.
What You Get Here
- Transparent pricing — no surprise mark-ups
- 0% APR for up to 60 months on select models
- Fast pre-approvals through top lenders
- Certified Jeep specialists who explain every option
👉 Explore Current Jeep Specials
The Clock Is Ticking on 0% for 60 Months
Like all factory programs, this one has an expiration date.
Jeep adjusts its national offers every few weeks based on sales performance and inventory flow.
That means the 0% for 60 months offer could end at any time — and once it’s gone, it rarely returns immediately.
If you missed the 72-month era, don’t miss this one.
Final Thoughts: 0% Still Lives — You Just Have to Know Where to Look
The truth? Jeep’s famous 0% for 72-month promotion might be gone for good, but the 60-month replacement is sharper, shorter, and more strategic.
You’ll pay less total interest, own your Jeep faster, and keep your trade-in value higher — all without waiting for impossible financing offers to come back.
So before this program wraps up, visit Simi Valley Chrysler Dodge Jeep Ram, talk with their finance team, and lock in one of the few true 0% APR offers left in California.
👉 Claim Your Jeep 0% for 60-Month Offer Now
Because while the 72-month deals belong to history — your best Jeep savings story is happening right now in Simi Valley.
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