VinFast Certified Pre-Owned Financing Starts at 2.99% APR

VinFast is offering financing from 2.99% APR for terms up to 72 months on vehicles sold through its U.S. Certified Pre-Owned (CPO) program, which the company says is now officially launched. The Vietnamese automaker frames the rate against Experian figures cited in its announcement showing U.S. auto loans averaging 6.39% for new cars and 11.43% for used cars in the first quarter of 2026. CPO vehicles are sold with inspection standards and warranty coverage of up to 10 years, according to VinFast’s Certified Pre-Owned program terms.

Highlights

• CPO financing starts at 2.99% APR for up to 72 months, the company says
• The release cites Experian Q1 2026 averages of 6.39% for new-car loans and 11.43% for used-car loans, with used-vehicle rates ranging from about 6.30% to 21.77% by credit tier
• CPO vehicles carry warranty coverage of up to 10 years, backed by VinFast’s inspection standards
• A company calculator example estimates $7,811 in five-year energy costs for a VF 8 Eco driven 2,000 miles a month, versus $18,528 for a comparable gasoline SUV

What Does the VinFast Certified Pre-Owned Program Include?

VinFast says the program is intended to meet demand for pre-owned electric vehicles with transparent vehicle histories and after-sales support. Vehicles are sold after inspection and come with warranty coverage of up to 10 years, according to the company.

The automaker also says the program is meant to support residual values for existing VinFast owners by extending the lifecycle value of its vehicles.

How Does 2.99% APR Compare to Current Auto Loan Rates?

The release positions the CPO offer against third-party lending data. According to Experian’s State of the Automotive Finance Market report, as cited by VinFast, average U.S. auto loan rates in the first quarter of 2026 were 6.39% for new vehicles and 11.43% for used vehicles. Within the used category, the company says Experian data shows rates spanning roughly 6.30% for superprime borrowers to 21.77% for borrowers with weaker credit.

VinFast argues that over a 72-month term, the gap between its starting rate and market-average pricing can amount to thousands of dollars in interest. The release does not provide a worked example for that claim.

Lineup, Leasing, and Dealer Network

The CPO offer sits alongside VinFast’s U.S. lineup of the VF 8, a D-segment SUV, and the VF 9, an E-segment SUV. The company also offers leasing on new vehicles as a lower-commitment route into EV ownership.

VinFast says it continues to expand its U.S. dealer network, bringing sales and service closer to customers in more markets. The company has also added third-party after-sales service pathways to supplement dealer coverage.

Estimated Energy Cost Savings

VinFast’s Energy Cost Savings Calculator lets shoppers enter an ownership period and monthly driving distance, then compares estimated energy costs against a comparable gasoline vehicle. In the company’s example, a VF 8 Eco driven about 2,000 miles a month over five years is estimated at $7,811 in energy costs, compared with $18,528 for a similar gasoline-powered SUV.

The company puts the difference at roughly 58% on energy costs alone. These figures are VinFast’s own estimates and depend on the assumptions built into its calculator.