--- title: "Li Auto follows Tesla and Xiaomi in offering 7-year low-interest financing incentive" type: "News" locale: "zh-CN" url: "https://longbridge.com/zh-CN/news/273035861.md" description: "Li Auto has introduced a 7-year low-interest financing plan for its vehicles, following similar initiatives by Tesla and Xiaomi. The financing applies to its entire lineup, with a minimum down payment of 15%. Despite this incentive, Li Auto reported a 24.38% year-on-year decline in vehicle deliveries in December, marking the seventh consecutive month of falling sales. The company is also planning a product reshuffle to enhance sales in the RMB 300,000 to RMB 400,000 price segment." datetime: "2026-01-20T05:56:20.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/273035861.md) - [en](https://longbridge.com/en/news/273035861.md) - [zh-HK](https://longbridge.com/zh-HK/news/273035861.md) --- > 支持的语言: [English](https://longbridge.com/en/news/273035861.md) | [繁體中文](https://longbridge.com/zh-HK/news/273035861.md) # Li Auto follows Tesla and Xiaomi in offering 7-year low-interest financing incentive > - Li Auto delivered 44,246 vehicles in December, a 24.38% year-on-year decline and the seventh consecutive month of falling deliveries. > - In 2025, Li Auto delivered 406,343 vehicles, an 18.81%year-on-year decrease. (File photo shows a Li Mega MPV. Image credit: CnEVPost) Li Auto (NASDAQ: LI) has begun offering Chinese consumers up to 7-year low-interest financing plans for its models, following the moves of Tesla (NASDAQ: TSLA) and Xiaomi (HKG: 1810, OTCMKTS: XIACY). The company announced Tuesday that the incentive applies to its entire lineup — Li L6, Li L7, Li L8, Li L9 extended-range SUVs (sport utility vehicles), as well as the all-electric Li i6, Li i8 SUVs, and Li Mega MPV (multi-purpose vehicle) — with a minimum down payment of 15%. Under the p incentive, the minimum monthly payment for a Li Auto model is RMB 2,578 ($370). Join us on Telegram or Google News The annualized fee rate for the Li L6, Li L7, Li L8, Li L9, and Li i6 under the incentive is 2.5%, translating to an annualized interest rate of 4.69%-4.71%, is said. Customers purchasing the Li Mega and Li i8 benefit from a lower annual fee rate of 1.69%, equivalent to an annualized interest rate of 3.22%-3.23%. Tesla began offering ultra-low-interest financing for locally produced Model 3 and Model Y vehicles in China starting January 6, marking the first such initiative in the Chinese market. On January 15, Xiaomi announced a similar move, launching 7-year low-interest financing incentive for the YU7. Li Auto is one of China's major extended-range electric vehicle (EREV) players, but its sales have declined significantly over the past year. As sales of EREV models plummeted, its battery electric vehicle (BEV) models have yet to provide sufficient contribution. Li Auto delivered 44,246 vehicles in December, marking a 24.38% year-on-year decline and its seventh consecutive monthly drop, according to data compiled by CnEVPost. In 2025, Li Auto delivered 406,343 vehicles, representing an 18.81% year-on-year decrease. Li Auto monthly deliveries 2023 2024 2025 Li Auto reportedly preparing major product reshuffle to boost sales Li Auto will adjust its product lineup in the RMB 300,000 ($42,910) to RMB 400,000 price segment, focusing on streamlining the number of model variants. ($1 = RMB 6.9609) ### 相关股票 - [GraniteShares 2x Short TSLA Daily ETF (TSDD.US)](https://longbridge.com/zh-CN/quote/TSDD.US.md) - [Direxion Daily TSLA Bear 1X Shares (TSLS.US)](https://longbridge.com/zh-CN/quote/TSLS.US.md) - [Simplify Volt TSLA Revolution ETF (TESL.US)](https://longbridge.com/zh-CN/quote/TESL.US.md) - [AXS TSLA Bear Daily ETF (TSLQ.US)](https://longbridge.com/zh-CN/quote/TSLQ.US.md) - [T-Rex 2X Long Tesla Daily Target ETF (TSLT.US)](https://longbridge.com/zh-CN/quote/TSLT.US.md) - [T-Rex 2X Inverse Tesla Daily Target ETF (TSLZ.US)](https://longbridge.com/zh-CN/quote/TSLZ.US.md) - [Max Auto Industry 3X Leveraged ETN (CARU.US)](https://longbridge.com/zh-CN/quote/CARU.US.md) - [Direxion Daily TSLA Bull 2X Shares (TSLL.US)](https://longbridge.com/zh-CN/quote/TSLL.US.md) - [Li Auto (LI.US)](https://longbridge.com/zh-CN/quote/LI.US.md) ## 相关资讯与研究 - [Tesla’s sales recover slightly, but the trend lines are all bad](https://longbridge.com/zh-CN/news/281541012.md) - [Tesla first-quarter deliveries are coming. What it means for the stock.](https://longbridge.com/zh-CN/news/281359346.md) - [Tesla Is Sitting On A Record 50,000 Unsold EVs](https://longbridge.com/zh-CN/news/281618373.md) - [Elon Musk hints at “official ceremony” with throwback photo to close Tesla Model S, Model X chapter](https://longbridge.com/zh-CN/news/281326317.md) - [Tesla Posts One Of Its Worst Sales Quarters In Years—Prediction Markets Saw It Coming](https://longbridge.com/zh-CN/news/281548812.md)