European automakers are promoting low auto loan rates and leases in January. While leasing has always been a popular financing option among the European brands, and especially the luxury brands, those who choose to buy can take advantage of no interest or low interest car loans, which will save them money over the life of the loan.

Audi – Audi has several lease specials in January. For example, shoppers can lease an Audi A4 for $309 a month for 36 months with $4,811 due at signing. The Q5 SUV can be leased for $549 a month for 36 months with $4,749 due at signing. Audi is also offering auto loan rates as low as 1.9% on select certified pre-owned vehicles.

BMW – BMW has low interest auto loans in January on most of its models. Buyers can take advantage of 2.9% to 5.9% APR financing on car loans through BMW Financial Services. Shoppers can lease a BMW in January for 36 months with monthly payments ranging from $349 for the 128i Coupe to $1,239 for the 650i Convertible. Lessees should have anywhere from $4,000 to $8,000 at lease signing.

MINI – MINI is offering 0.9% auto loans for up to 60 months on its remaining 2009 Convertibles. You’ll also receive no cost maintenance for three years or 36,000 miles. On 2010 MINI models, buyers can take advantage of 4.9% car loans for up to 60 months. They’ll also receive the no cost maintenance option as well. For buyers of 2010 MINI’s, they can also pick one of the following options for free: automatic transmission; sports package; or premium package.

The 2009 VW Routan can be purchased with a 72-month auto loan with 0% financing.

Jaguar – The Jaguar XF 4.2 liter has a lease special in January for $599 a month for 36 months with $5,393 due at signing. If you prefer an auto loan, you can purchase the XF for 1.9% financing for 60 months. The Jaguar XF Premium 5.0 liter can be leased for $699 a month for 36 months with $5,493 due at signing. The XF and XK also have an early lease termination incentive in January. Lessees whose leases end in February, March or April can get anywhere from $1,000 to $3,000 to end their lease early, whether it’s a Jaguar or not, and use that toward the lease of a new Jaguar XF or XK.

Land Rover – Land Rover and Range Rover SUVs are available in January with attractive finance and lease offers. But you won’t find the offers on Land Rover’s Web site. Land Rover advises car shoppers to visit their local dealer to find out the specifics.

Mercedes-Benz – Mercedes-Benz has some enticing loan and lease offers in January. Mercedes-Benz is offering 1.9% APR auto loans for 24 to 36 months for qualified buyers on most vehicles. They’ll also make your first two car loan payments. Lease deals in January include the C300 sport sedan at $349 a month for 36 months with $4,894 due at signing.

Porsche – Porsche doesn’t have any incentives listed on its site. Contact your local dealer for additional pricing and financing options and incentives.

Volkswagen – Volkswagen is offering January buyers 0%, 1.9% or 2.9% APR financing car loans on select models. All VW auto loan offers are for 60-month loans, except the 2009 Routan, which has 0% financing for 72 months. Volkswagen also has some pretty good leasing incentives in January. For 36 months, lessees can lease a 2010 Jetta for $259 a month with $0 due at signing, excluding title, tax, options and dealer fees. Buyers of the Jetta TDI Clean Diesel and TDI Sportwagen models can take advantage of a $1,300 federal income tax credit.

Volvo – Volvo is offering lease specials in January for most of its models. The new XC60 SUV can be leased for $401 a month for 60 months with $3,095 cash due at signing. The S40 sedan can be leased for $286 a month for 60 months with $2,480 cash due at signing. Both the XC70 and C70 have a $6,000 cash allowance in January.

*Some incentives listed are for the Southeast region. Check the automaker’s Web site to search for incentives in your area, as they may be different depending on where you live.