XPeng Launches 7-Year Low-Interest Auto Financing Plan

[Financial Promotion] XPeng Motors offers 7-year low-interest installment plans across its entire vehicle lineup, with monthly payments as low as RMB 1,355.

Key Development: Down Payment Starting at 15% Combined with Extended Loan Terms

From January 21 to 31, 2026, all XPeng models currently on sale—including the MONA M03, P7+, G6, G7, X9, and G9—are eligible for a 7-year low-interest loan with an annual flat rate of 1.67%, equivalent to an approximate annual percentage rate (APR) of 3.18%, and monthly payments starting from RMB 1,355.

Industry Impact: Financial Incentives Emerge as a Core Competitive Strategy

Following Tesla’s “5-year 0% interest + 7-year ultra-low interest” offer and Xiaomi’s “3-year 0% interest” plan, XPeng’s entry signals that leading new-energy vehicle makers are fully pivoting toward financial subsidies to offset the impact of the halved purchase tax. By absorbing interest costs, these companies aim to lower user entry barriers and accelerate market share capture.