*3.99% APR applies to any new 2024, 2025, or 2025.5 Volvo XC40 MHEV, XC60, or XC90. No down payment required. Offer available to qualified customers that meet Volvo Car Financial Services (VCFS) credit standards at authorized Volvo Cars Retailers. 3.99% APR Financing up to 72 months at $15.64 per month per $1,000 financed. Other rates and terms are available. Actual down payment will vary with APR and credit qualifications. Not everyone will qualify for credit approval or advertised APR. Advertised financing does not include taxes, title, registration, and license fees, insurance, maintenance, and other retailer fees. All offers are subject to vehicle availability. Must take delivery of vehicle between February 1, 2025 and February 28, 2025. See your participating Volvo Cars Retailer for details.