FINANCING

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A FEW TIPS FIRST:

There are plenty of good, honest dealerships, with honest salespeople that make the purchase of a vehicle a no-hassle experience. The dealers we link to in "Where To Buy One" for our favorite cars have been carefully vetted. But even with the best dealerships, one of the problems dealerships have is low employee retention. New salespeople may be tempted to fleece customers since they may not be there the next time customers buy their next car, so always follow the guidelines below and let us know of any problems you have so we can either address it with the dealer or remove them from our site in the event there's no satisfactory resolution.

• Whether financing or leasing a vehicle, make sure you get the real monthly payment. Unscrupulous salespeople or dealerships try to inflate your car payments, regardless of whether you buy or lease the vehicle, because they often make more on the vehicle financing and after-market add-ons than they do on the sale or lease of the car itself. 

• While they may make the price of the vehicle seem attractive, add-ons and junk fees will ultimately make your monthly payments significantly higher. Examples we've noticed thanks to our secret shoppers are jacked-up interest rates and market value adjustments, often just listed as "MVA" on the sticker label. Make sure you get the total cost of the vehicle AND the monthly payments, including a payment schedule over the entire term of the loan before you sign on the dotted line. And make sure you're aware of any end-of-lease balloon payments.

• Beware of acronyms. Some unscrupulous dealers will use different acronyms for the same item and charge twice. Junk fees are also listed with acronyms like "DRP" (Dealer Retirement Plan) , "DDF" (Dealer Documentary Fee), "DIF" (Dealer Inspection Fee). 

• Don't apply for financing and don't give out your SSN until you've shopped around and know you have the best deal from the best dealer. Dealers sometimes "shotgun" your credit application to multiple lenders all at once to get the lowest interest rate - not necessarily for you, but for them. If you do that with multiple dealers while shopping around, it will not only negatively affect your credit score, but unscrupulous dealers often don't pass on the savings to you because the more the bank or finance company makes, the more they make. 

• Some shady finance managers will also condition credit terms, especially if you have spotty credit, by telling buyers that credit will only be approved if the vehicle has an add-on security or after-theft recovery system. That's not always the case, so check. Either way, those aren't bad things to have, providing they're effective.  However, some anti-theft / after-theft recovery systems are of little to no use as some dealers may be tempted to use the lowest-cost alternative to maximize their profit.

• Make sure to read the fine print on "Extended Warranty" Coverage. Many of these plans provide sub-par coverage which only takes effect after the vehicle's original warranty expires and are what are known to industry insiders as "Four-Corner Warranties", meaning that these warranties have so many disqualifying factors that by the time you drive around the block you probably did something to void the warranty if you ever have to make a claim.

Here Are the Best Car Financing Deals From Every Brand

We've listed the best financing deals on new cars from all of the major brands. Financing incentives can include low-interest financing, cash discounts in the form of "bonus cash" or "cash back", or some combination of the two. The interest rates offered with the manufacturer-sponsored deals are often lower than what you'd find from a bank but keep in mind that your credit score could affect the rate you’re offered.

Acura Financing Deals

• RDX: 4.99%      for 60 months on 2025 models
• MDX: 4.99%      for 60 months on 2025 models
• ZDX:      0% for 72 months on 2024 models
• Integra: 3.99%      for 60 months on 2025 models
• TLX: 4.99%      for 60 months on 2025 models

Alfa Romeo Financing Deals

• Giulia: Contact your local  dealer for available offers.

Audi Financing Deals

• Q4      e-tron: 2.99% for 72 months on 2025 models
• Q5: 2.99%      for 72 months on select 2025 models
• Q7:      5.99% for 72 months on 2025 models
• Q8      e-tron: 0.99%      for 72 months on 2024 models
• A6: 3.99%      for 72 months on select 2025 models
• A7: 3.99%      for 72 months on the 2025 55 TFSI quattro models
• A8: 3.99%      for 72 months on 2025 55 TFSI quattro models
• e-tron      GT: 2.99% for 72 months on the 2025 GT quattro

BMW Financing Deals

• X3: 2.99%      for 60 months on 2025 models
• X5:      2.99% for 48 months on select 2025 models
• i4: 2.99%      for 60 months on 2025 xDrive40 & eDrive40 models
• i5:      2.99% for 60 months on 2025 eDrive40 models
• i7: 2.99%      for 60 months on 2025 eDrive50 model

Buick Financing Deals

• Envista:      0.9% for 36 months plus $250 purchase allowance and no payments for 90      days on 2024 & 2025 Preferred models
• Encore      GX: 0.9% for 36 months plus $3,000 purchase allowance      and no payments for 90 days on 2025 Preferred models
• Envision: 0.9%      for 36 months plus $1,000 purchase allowance and no payments for 90 days      on 2024 & 2025 models
• Enclave: 0.9%      for 36 months plus $1,500 purchase allowance and no payments for 90 days      on 2025 models

2025 Cadillac XT4 /Credit: Cadillac

Cadillac Financing Deals

• XT4: 4.4%      for 36 months plus $750 cash allowance on 2025 models
• XT5: 4.4%      for 36 months plus $1,500 total cash allowance on 2025 models
• XT6: 4.4%      for 36 months plus up to $2,000 total cash allowance on 2025 models
• Escalade:      3.9% for 48 months on 2024 models
• CT4: 4.4%      for 36 months plus $1,500 total cash allowance on select 2025 models
• CT5: 4.4%      for 36 months plus $1,500 total cash allowance on select 2025 models

Chevrolet Financing Deals

• Trailblazer: 3.9% for 36 months plus      no payments for 90 days on 2025 models
• Equinox: 6.6% for 72 months on 2025      models
• Blazer: 1.9%      for 36 months plus no payments for 90 days on 2025 models
• Traverse LTD: 1.9% for 36 months on 2024 models
• Tahoe: 0%      for 60 months on 2024 models
• Suburban: 0% for 60 months on 2024      models
• Blazer EV: 0% for 60 months on 2024 LT eAWD      models
• Equinox EV: 0% for 60 months on 2024 & 2025      models
• Silverado EV: 0.9% for 72 months on 2024 models
• Colorado: 1.9% for 36 months on 2024      models
• Silverado 1500: 2.9% for 36 months      plus $250 bonus cash on 2025 models
• Silverado 2500 HD: 3.9% for 60      months plus no payments for 90 days on 2025 models
• Silverado 3500 HD:  3.9% for 60      months on 2024 & 2025 models
• Malibu: 1.9%      for 36 months plus no payments for 90 days on 2025 models

Chrysler Financing Deals

• Pacifica: 6.9% for 72 months on 2025      models
• Pacifica Hybrid: 0% for 72 months on      2025 models

Dodge Financing Deals

• Hornet:      0% for 72 months on 2024 models
• Charger:      1.9% for 72 months on 2025 model

2025 Ford Bronco SUV / Credit: Ford

Ford Financing Deals

• Mustang Mach-E: 3.9% for up to 72 months on 2025      models
• Explorer: 5.9%      for up to 84 months on 2025 Active models
• F-150:  6.9%      APR for up to 84 months on 2025 XL models
• F-150      Lightning: 4.9% APR for up to 84 months on 2025 XLT      models

Genesis Financing Deals

• GV60: 5.49%      for 60 months on 2025 models
• Electrified      GV70: 5.49% for 60 months on 2025 models
• GV70: 4.99%      for 60 months on 2026 models
• GV80: 2.99%      for 60 months on 2025 models
• G70: 3.99%      for 60 months on 2025 models
• G80: 3.99%      for 60 months on 2025 models
• G90: 4.49%      for 60 months on 2025 models

GMC Financing Deals

• Sierra      1500: 0% for 36 months on select 2025 models
• Sierra 2500: 5.9% for 84 months on      select 2025 models
• Sierra 3500: 5.9% for 84 months on      select 2025 models
• Canyon:      3.4% for 84 months on 2025 models
• Hummer      EV: 0% for 60 months on 2024 & 2025 models

Honda Financing Deals

• HR-V: 2.99%      for 48 months on 2025 models
• CR-V: 2.49%      for 36 months on 2025 models
• CR-V      Hybrid: 2.99% for 36 months on 2025 models
• Passport: 0.99%      for 36 months on 2025 models
• Pilot: 2.99%      for 36 months on 2025 models
• Prologue: 0% for 72      months on 2024 models
• Ridgeline: 1.99%      for 36 months on 2025 models
• Civic: 4.99%      for 48 months on 2025 models
• Accord: 2.99%      for 60 months on 2025 models
• Accord      Hybrid: 2.49% for 36 months on 2025 models

Hyundai Financing Deals

• Venue: 5.99%      for 72 months on 2025 models
• Kona: 3.99%      for 72 months  plus $500 off on 2025 models
• Tucson: 3.99%      for 72 months on 2025 models
• Santa      Fe: 3.99% for 72 months on 2025 models
• Palisade: 2.99% for 48 months plus      $1,000 off on 2025 models
• Ioniq 5: 1.99% for 60 months on 2025      models
• Ioniq 6: 0% for 48 months on 2025      models
• Tucson      Hybrid: 3.99% for 60 months on 2025 models
• Santa      Fe Hybrid: 2.99% for 48 months on 2025 models
• Santa Cruz: 4.99% for 72 months on      2025 models
• Elantra: 3.99%      for 72 months on 2025 models
• Elantra N: 6.29% for 60 months on 2025 models
• Sonata: 2.99%      for 48 months on 2025 models
• Elantra      Hybrid: 3.99% for 72 months on 2025 models
• Sonata      Hybrid: 2.99% for 48 months on 2025 model

Infiniti Financing Deals

• QX50: 2.9%      for 60 months on 2025 models
• QX55: 2.9%      for 60 months on 2025 models
• QX60: 1.9%      for 60 months on 2025 models
• QX80: 2.9%      for 60 months on 2025 models

Jaguar Financing Deals

• F-Pace: 2.9%      financing for 60 months on 2025 models
• F-Type: 2.9%      financing for 60 months on 2024 models
• XF:      2.9% financing for 60 months on 2024 models

Kia Financing Deals

• Sorento: 1.90%      for 60 months on 2025 models
• Seltos: 3.49%      for 48 months on 2025 models
• Soul: 4.90%      for 48 months on 2025 models
• Sportage:      1.90% for 48 months on 2025 models
• Niro: 1.90%      for 48 months on 2024 models
• Niro      Plug-in Hybrid: 1.90% for 48 months on 2024 models
• Sportage      Hybrid: 3.90% for 48 months on 2025 models
• Sorento      Hybrid: 1.90% for 60 months on 2025 models
• Sorento      Plug-in Hybrid: 1.90% for 60 months on 2025 models
• Sportage      Plug-in Hybrid: 3.49% for 48 months on 2025 models
• K4:      2.90% for 48 months on 2025 models
• K5:      2.90% for 48 months on 2025 models
• EV6: 1.90%      for 48 months on 2025 models
• Niro      EV: 0% for 72 months on 2025 models

Land Rover Financing Deals

• Defender: 4.9% for 48 months on 2025      110 P300 S models
• Discovery: 3.9% for 60 months on      2025 P300 S models
• Discovery Sport: 4.9% for 60 months      on 2025 models
• Range Rover Evoque: 4.9% for 60      months on 2025 models
• Range Rover Velar: 3.9% for 60      months on 2025 models

Lexus Financing Deals

• RX: 3.79%      for up to 48 months on select 2025 models
• NX:      3.79% for up to 48 months on select 2025 models
• RZ:      0% for up to 72 months on select 2025 models
• IS: 3.79%      for up to 48 months on select 2025 models
• ES: 3.79% for up to 48 months on      select 2025 models

Lincoln Financing Deals

• Corsair: 1.9%      for 84 months on 2024 Grand Touring models

Lucid Financing Deals

• Air:      2.99% for up to 72 months on 2025 Pure models

Mazda Financing Deals

• CX-30: 2.9%      for 36 months on 2025 models
• CX-5: 2.9%      for 36 months on 2025 models
• CX-50: 1.9%      for 36 months on 2025 models
• CX-70: 1.9%      for 36 months on select 2025 models
• CX-70      PHEV: 1.9% for 36 months on 2025 models
• CX-90: 1.9%      for 36 months on 2025 models
• CX-90      PHEV: 1.9% for 36 months on 2025 models
• Mazda3: 2.9%      for 36 months on 2025 Sedan models
• MX-5      Miata: 1.9% for 36 months on 2024 model

Mercedes-Benz Financing Deals

• CLA: 2.99% for 36 months on 2025      models
• C-Class Sedan: 2.99% for 36 months      on 2025 models
• CLE: 2.99% for 36 months on 2025      models
• GLA: 2.99% for 36 months on 2025      models
• GLB: 2.99% for 36 months on 2025      models
• GLE: 2.99% for 36 months on 2025 models
• GLS: 1.99% for 36 months on 2025      models

Mini Financing Deals

• Countryman: 2.99% for up to 48      months on 2025 models
• Cooper: 2.99%      for up to 48 months on 2025 Hardtop 2 Door & 4 Door models
• Cooper      Convertible: 3.99% for up to 48 months on 2025 models

Mitsubishi Financing Deals

• Eclipse Cross: 0% for 48 months on      2024 models
• Outlander: 1.99% for 60 months on      2025 models
• Outlander PHEV: 0% for 48 months on      2024 models
• Outlander Sport: 4.99% for 72 months plus $500      bonus cash on 2024 models

Nissan Financing Deals

• Rogue: 0%      for 60 months plus $1,750 bonus cash on 2025 models
• Murano: 4.9%      for 60 months on 2025 models
• Pathfinder: 0% for 60 months plus $1,000 bonus      cash on 2025 models
• Sentra: 4.9%      for 60 months on 2025 models
• Altima: 6.69%      for 84 months on 2025 models
• Leaf: 0%      for 72 months on 2025 models
• Ariya: 0%      for 72 months on 2024 & 2025 models
• Kicks:      3.9% for 36 months on 2025 models
• Frontier: 5.69%      for 84 months plus up to $3,500 bonus cash on 2025 models

Polestar Financing Deals

• Polestar      3: 0.99% for up to 72 months on 2025 Long range Single motor models

Porsche Financing Deals

• Porsche      doesn’t advertise financing incentives for new cars.

Subaru Financing Deals

• Crosstrek: 2.9%      for 48 months on 2025 models
• Forester: 3.9%      for 48 months on 2025 models
• Outback: 3.9%      for 72 months on 2025 models
• Ascent: 3.9%      for 48 months on 2025 models
• Solterra: 0% for 72 months on 2024      & 2025 models
• Impreza: 4.9%      for 36 months on 2025 models
• Legacy: 3.9%      for 48 months on 2025 models
• WRX: 0%      for 48 months on 2024 models
• BRZ: 4.9%      for 36 months on 2025 models

2025 Tesla Model X / Credit: Tesla

Tesla Financing Deals

• Model      Y: 5.54% APR for up to 72 months
• Model      X: 6.70% APR for up to 84 months
• Model      3: 0.99% APR for up to 60 months
• Model      S: 6.70% APR for up to 84 months

Toyota Financing Deals

• RAV4: 4.99%      for 60 months on 2025 models
• RAV4      Hybrid: 5.99% for 60 months on 2025 models
• Highlander: 4.99% for 60 months on      2025 models
• Highlander Hybrid: 5.99% for 60      months on 2025 models
• bZ4X: Contact      your local      dealer for the latest financing offers.
• Corolla: 4.99%      for 60 months on 2025 models
• Corolla      Hybrid: 5.99% for 60 months on 2025 models
• Camry: 4.99%      for 60 months on 2025 models
• Tacoma: 1.99%      for 48 months on 2024 models

Volkswagen Financing Deals

• Taos: 4.9%      for 60 months on 2025 models
• Tiguan: 0.9% for 60 months or $2,500      customer cash on 2024 models
• Jetta:      4.9% for 60 months on 2025 models
• Jetta      GLI: 4.9% for 60 months on 2025 models
• Atlas: 3.9% for 60 months or $1,000      customer cash on 2025 models
• Atlas Cross Sport: 3.9% for 60      months or $750 customer cash on 2025 models
• ID.4: 0%      for 72 months or $5,000 customer cash on 2025 models
• ID.Buzz: 4.9% for 60 months or $2,500 customer      cash on 2025 models
• Golf      GTI: 2.9% for 60 months or $2,500 bonus cash on 2024 models

Volvo Financing Deals

• XC40: 1.99%      for 72 months on the 2025 B5 AWD Core Bright model
• XC60: 4.99%      for 72 months on the 2025 B5 AWD Core model
• XC90: 4.99%      for 72 months on the 2025 B5 AWD Core model

Need to refinance your current vehicle?