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Loan terms on new vehicles are commonly stretching beyond the usual 36 and 48 months. Now it’s normal to see terms of 60 and 72 months at rates of 2 percent or lower across all types of vehicles and manufacturers. We spotted a healthy number of such finance specials, and made sure to include specific specials that bundle one or more rebates that can lower your purchase price by thousands.
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Make sure you first read our Auto Loans & Financing guide. We’ve covered everything that may get glossed over in the showroom: how to apply, trade-ins, average rates by credit score, and more. The Car and Driver Marketplace also has a finance calculator to help you estimate costs based on the manufacturer’s loan terms.
0.9% APR for 60 months
$750–$1250 rebate on certain CX-5 trims
Mazda’s most popular model, the CX-5, gets a low 0.9 percent rate plus incentives ($750 on Carbon Edition trims and $1250 on Premium Plus trims). The CX-50, minus the hybrid, and the 3 Hatchback share the same interest rate but cannot pair that rate with cash incentives. If you finance with Mazda at a higher rate or finance elsewhere, the company will take off $1000 on the CX-50 and $2000 on the CX-5 and 3 Hatchback.
0% APR for 60 months
$0 down and no payments for 90 days
$4000 rebate
As a commercial vehicle sold to companies that would be paralyzed without the Transit’s massive cargo space or four rows of seats, Ford—and its competitors—doesn’t need to slap deals on vans. To the contrary, there are generous offers in December for no interest, no money down, deferred payments, and a $4000 rebate. Ford doesn’t restrict these deals to specific trims, so whether there are two seats or 15, low roof or high, it’s the best time to buy a Transit.
0.99% APR for 72 months
or $12,500–$19,000 rebate
The longest-range EV keeps getting cheaper. Once exclusively a $100,000-plus affair, the Air now starts at just over $71,000 and comes with five-figure incentives. Lucid cuts the price by $12,500 if you buy or finance an Air Pure or Touring (with $15,000 off the Grand Touring). Additional $2000 incentives for purchasing an Air in the local inventory or as a conquest bonus by owning a car from a competing manufacturer also apply (the 1234-hp Sapphire is not included, but the 1050-hp Grand Touring, with a 410-mile as-tested range, most certainly is). Separately, without the five-figure “Air Credit,” Lucid offers six years of financing at 0.99 percent for new or used vehicles in any trim.
0.9% to 1.99% APR for 60-72 months
$1000–$13,500 rebate
BMW is offering low interest rates, long loan terms, and hefty rebates on nine of its models. The new X3 and X7 qualify for the lowest 0.9 percent rate at 60 months, while only the 2-Series Gran Coupe has the longest 72-month term (at 1.99 percent). Loyalty credits for current BMW owners vary and apply to all models. The highest cash incentives are on the M8 (pictured at top), which offers $9000 off MSRP on all body styles, but the i7 has the higher loyalty credit which in total can bring $13,500 of total savings. Both of those specific deals apply only to 2025 models.
2025–2026 Rivian R1S and R1T
0.99% APR for 60 months
While a lease on a new EV is smarter since there’s no depreciation hit, the Rivian R1S and R1T have bucked the dip and held onto their resale values much better than most EVs and other ICE luxury vehicles. To that end, this offer on a 2025 or 2026 Rivian in the Tri Max trim (three motors, max battery) may be the right move. Financing $100,000 or more on these specific trims is a serious amount of cash, but where are the throngs of competitors for a luxury performance SUV or pickup truck of this caliber?
2026 Infiniti QX60 and QX80
0.9% to 1.9% APR for 60 months
or $6000–$9000 rebate
Infiniti says the new Sport trims of the mid-size QX60 (pictured above) and full-size QX80 are currently comprising a quarter of its all new retail sales in the U.S. The refreshed QX60 and the still-fresh QX80 are two steps in the right direction for Infiniti, which is trying to recall the good old days of the 2000s when their sales were popping and their lineup looked and performed like Division athletes. The QX60 Sport gets the lower interest rate and rebate. The QX80 Sport, new for 2026 with a pretty blue interior, is almost as loaded as the Autograph but comes with a $9000 rebate.
0% APR for 72 months
No payments for 90 days or $7750 rebate
Soon, there will again be a Charger Hellcat. Dodge hasn’t confirmed but we all know it’s happening because the Hemi is back and the electric Charger just isn’t selling. But if you want one—and it is a genuinely unique and well-made car—Dodge is letting the R/T and Scat Pack trims go for no interest for six years with a $7750 rebate (or deferred payments for 90 days, but take the rebate instead).
0.99% APR for 72 months
$3000 rebate
Toyota’s tough and overshadowed Tundra gets a low interest rate and long terms on any iForce Max trim with the powerful twin-turbo V-6 hybrid powertrain, plus a $3000 rebate on all trims except the TRD Pro. In some markets, the deal applies only to regular Tundra models instead of the hybrid. It’s a good truck that constantly gets overrun by Chevrolet, GMC, Ford, and Ram in terms of customization and overall performance. But at these rates, a big Toyota could be a smart buy.
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Clifford Atiyeh is a reporter and photographer for Car and Driver, specializing in business, government, and litigation news. He is president of the New England Motor Press Association and committed to saving both manuals and old Volvos.