VinFast Certified Pre-Owned Program Delivers Exceptional Financing Value with APRs Starting at 2.99%

VinFast’s new U.S. certified pre-owned EV program combines a 2.99% starting APR with long warranties and illustrated fuel-cost savings.

Rhea-AI Summary

VinFast (VFS) launched a Certified Pre-Owned (CPO) Program in the United States, offering eligible buyers financing starting at 2.99% APR for up to 72 months and warranty coverage of up to 10 years on pre-owned EVs.

The company positions this rate against Experian data showing average U.S. auto loan interest of 6.39% for new cars and 11.43% for used cars in Q1 2026, highlighting potential interest savings over typical market loans. VinFast also cites an Energy Cost Savings Calculator example in which a VF 8 Eco driven 2,000 miles per month over five years has estimated energy costs of about $7,811 versus $18,528 for a comparable gasoline SUV, a roughly 58% energy-cost reduction.

Positive

• CPO financing APR starting at 2.99% for up to 72 months
• Warranty coverage on certified pre-owned EVs for up to 10 years
• Used-loan comparison: 2.99% vs 11.43% U.S. average used auto APR in Q1 2026
• Energy cost example: VF 8 Eco $7,811 vs $18,528 gas SUV over 5 years (~58% lower)

Negative

• None.

News Explained

Beyond its financing and warranty terms, the newly launched VinFast CPO program commits to inspected vehicles with transparent histories and aftersales support, adding defined screening and ownership-support features for eligible buyers.

Market Context

Before publication, VFS was up 6.64% versus its prior close and traded at 1.93× its 20-day average v...

Analysis

Before publication, VFS was up 6.64% versus its prior close and traded at 1.93× its 20-day average volume; this was the stock's pre-headline position, not a reaction to the CPO launch.

Key Figures

Starting APR: 2.99% APR Financing term: Up to 72 months Warranty coverage: Up to 10 years +5 more

Starting APR

2.99% APR

VinFast CPO financing offer

Financing term

Up to 72 months

VinFast CPO financing offer

Warranty coverage

Up to 10 years

VinFast Certified Pre-Owned Program

Average used-vehicle loan rate

11.43%

U.S. blended average, Q1 2026

Average new-vehicle loan rate

6.39%

U.S. average, Q1 2026

VF 8 energy cost

$7,811

About 2,000 miles per month over five years

Comparable gasoline SUV energy cost

$18,528

About 2,000 miles per month over five years

Energy cost savings

Approximately 58%

VF 8 versus comparable gasoline-powered SUV

Key Terms

apr, certified pre-owned

2 terms

apr financial

"a CPO financing offer that starts at 2.99% APR for up to 72 months"

Annual Percentage Rate (APR) is the yearly cost of borrowing money expressed as a percentage, combining interest and most fees into a single rate so borrowers can compare loans like comparing price tags. For investors, APR matters because it affects how much companies pay to raise capital, influences consumer demand for credit, and helps compare returns or costs across loans, bonds, and financial products — all of which can change profits and valuations.

certified pre-owned technical

"announced the official launch of its Certified Pre-Owned (CPO) Program"

A certified pre-owned item is a previously owned product—commonly vehicles—that has been inspected, repaired if needed, and approved by a manufacturer or authorized seller, often with an extended warranty or guarantee. For investors, certified pre-owned programs can increase resale value, create repeat-sales and service revenue, and reduce risk by offering a clearer picture of quality and potential warranty costs—like buying a used car that comes with a trusted inspection and short-term protection.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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IRVINE, Calif., Sept. 14, 2026 /PRNewswire/ -- VinFast announced the official launch of its Certified Pre-Owned (CPO) Program in the United States. Designed to expand access to premium electric mobility at a more accessible price point, the program enables customers to purchase high-quality pre-owned EVs backed by rigorous inspection standards and VinFast's industry-leading warranty coverage of up to 10 years.

The VinFast Certified Pre-Owned Program is designed to address growing demand for high-quality pre-owned electric vehicles with transparent vehicle histories and comprehensive aftersales support. Beyond expanding access to electric mobility for more customers, the program also helps maximize vehicle lifecycle value and supports stronger residual values for existing VinFast owners.

Underscoring this launch, VinFast is sharpening its value proposition for VinFast drivers with a CPO financing offer that starts at 2.99% APR for up to 72 months. In a lending environment where auto loan rates have climbed sharply over the past several years, this rate positions VinFast's CPO program as one of the more competitive financing paths available to U.S. car buyers today - new or used.

How 2.99% APR Compares to the U.S. Auto Lending Market

To understand why VinFast's offer stands out, it helps to look at where the broader market sits. According to Experian's State of the Automotive Finance Market report, the average auto loan interest rate in the U.S. reached 6.39% for new cars and 11.43% for used cars in the first quarter of 2026. For used vehicles specifically, the category most comparable to a certified pre-owned purchase, that same Experian data shows rates ranging from about 6.30% for borrowers with the strongest ("superprime") credit down to as high as 21.77% for those with weaker credit, with 11.43% as the blended average across all credit tiers.

Even the more favorable, bank-survey end of the market sits well above VinFast's 2.99% starting rate, and the picture only widens once the full range of credit profiles is considered.

Broader lending-market data adds further context. Analysis compiled by LendingTree, drawing on Experian and Federal Reserve figures, shows that Americans are carrying more auto debt than ever: The average new-vehicle loan reached $43,925 and the average used-vehicle loan reached $27,070 in the first quarter of 2026, while average loan terms stretched to roughly 69.5 months for new vehicles and 67.7 months for used vehicles as buyers try to keep monthly payments manageable. At the same time, credit stress is climbing, according to New York Federal Reserve data cited in that same analysis, 90-day auto loan delinquencies rose 12.2% year-over-year in the first quarter of 2026, a sign that financing affordability is a growing concern for households nationwide.

Against this backdrop, a starting rate of 2.99% APR, less than half the national used-vehicle average, and even below the national new-vehicle average, gives qualified VinFast CPO buyers a meaningfully lower cost of ownership. Over a 72-month term, that gap can translate into thousands of dollars in interest savings compared with a loan priced at the market average, while also making monthly budgets far easier to plan around.

A Growing EV Lineup Backed by Ownership Support

VinFast's financing advantage sits alongside a broader push to make electric vehicle ownership more approachable in the U.S. The company has introduced the VF 8 (D-segment SUV) and VF 9 (E-segment SUV), both built around a straightforward goal: well-equipped EVs at accessible prices, backed by strong ownership and after-sales support.

Leasing options are also part of that strategy, giving drivers a lower-commitment path into an EV and helping ease the traditional barriers to adoption - higher upfront cost, unfamiliar technology, and uncertainty about resale value - that have kept some American drivers on the sidelines of the EV transition.

Just as important as the vehicles themselves is the infrastructure behind them. VinFast continues to expand its U.S. dealer network, bringing sales and service closer to customers across more markets. That expansion matters for long-term confidence: Convenient access to maintenance, parts, and support is often what determines whether a first-time EV buyer becomes a repeat, loyal customer. Together, competitive financing, capable products, and a growing service footprint reflect a long-term commitment to building trust with U.S. drivers.

Lower Running Costs Add to the Savings

The savings don't stop at the financing rate. VinFast's Energy Cost Savings Calculator lets shoppers select an ownership period and monthly driving distance, then compares estimated energy costs against a comparable gasoline-powered vehicle.

Consider a driver putting about 2,000 miles a month on a VF 8 Eco over five years. The calculator estimates energy costs of roughly $7,811 over that period, compared with an estimated $18,528 for a similar gas-powered SUV. On a monthly basis, that works out to about $130 for the VF 8 versus roughly $309 at the pump, a savings of approximately 58% on energy costs alone.

When a below-market CPO APR is combined with lower running costs and an expanding support network, the total cost of ownership case for VinFast becomes considerably stronger. For American drivers weighing whether now is the right time to make the switch to electric, VinFast's certified pre-owned financing offer, anchored by a 2.99% starting APR, is designed to remove one of the biggest obstacles to EV adoption: The cost of the loan itself.

Sources

1. Experian, State of the Automotive Finance Market, Q1 2026 - Auto Loan Rates and Financing overview: https://www.experian.com/blogs/ask-experian/auto-loan-rates-financing/
2. Experian, "The Latest Used Car Loan Interest Rates for 2026": https://www.experian.com/blogs/ask-experian/used-car-loan-rates/
3. LendingTree, "Average Car Payment and Auto Loan Statistics: 2026" (based on Experian and New York Federal Reserve data): https://www.lendingtree.com/auto/debt-statistics/

About VinFast

VinFast (NASDAQ: VFS), a subsidiary of Vingroup JSC, one of Vietnam's largest conglomerates, is a pure-play electric vehicle ("EV") company with the mission of making EVs accessible to everyone. VinFast's product lineup today includes a wide range of electric cars, e-scooters, e-bikes and e-buses.

VinFast is embarking on its next growth phase by rapidly scaling its distribution and franchised dealership network globally while expanding its global manufacturing footprint across North America, Europe, the Middle East, and Asia.

Learn more at: https://vinfastauto.us/

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SOURCE VinFast

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How does VinFast’s 2.99% APR compare with typical U.S. auto loan rates?

6.39% for new vehicles and 11.43% for used vehicles. For used loans specifically, rates range from about 6.30% for superprime borrowers up to 21.77% for weaker credit tiers, with 11.43% as the blended average. VinFast’s Certified Pre-Owned starting rate of 2.99% APR is below both the national used and new vehicle averages.

What example does VinFast give for energy-cost savings with the VF 8 Eco?

The company illustrates a scenario where a driver covers about 2,000 miles per month in a VF 8 Eco over five years. Estimated energy costs are roughly $7,811 for the EV versus about $18,528 for a comparable gasoline SUV. On a monthly basis this is about $130 for the VF 8 compared with roughly $309 for gas, which VinFast describes as approximately a 58% reduction in energy costs.