I wonder what, if anything, may be coming in February of '22(?) If I get another Tucson, I'll be right on the wire of Jan-Feb... but I agree with MLS above... I'm surprised there are any incentives. Although... incentives like "dealer cash"... the dealer can not even mention and just pocket that. It's an incentive Hyundai gives dealers to encourage them to make sales, but the dealer is free to think, "cars are selling fine, I'm keeping this".
Dealers can also choose to NOT participate in finance incentives. I know this one personally, but my trade-in was so high I figured "whatever... I'll pay it off early".
0% though... that's hard to beat. I'd finance the max at that rate and just set it to auto-pay.
It would suck to decide on this next Tucson... push it through before Feb... and then see 0% make a come-back. I wish there was a way of knowing. Years ago we made this gamble with a CR-V and all incentives just went away... oof... I don't want to do that again.
One of the many many frustrations of this Covid era. I try to be grateful when things break good and not stress too much when s*** happens. PS-The PHEV is wonderful. My favorite in 50+ years of driving!