BEST NEW CAR FINANCE DEALS FOR NOVEMBER 2025
Since the Federal Reserve lowered the federal funds rate by a quarter-point on October 29, just a month after the $7500 EV tax credit on leases disappeared, better finance deals have emerged. It's also closeout time for car dealers to make their year-end quotas, and with a $10,000 tax deduction on new-car loans, financing may be your best move. We cover November lease deals separately.
Check Our Auto Loans & Financing Guide
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.
2026 BMW 3-series, X1, X3, X5, and 2025 i4
0.9 percent APR for 60 months
$1000–$2000 rebate
BMW and Mercedes aren't as generous with their interest rates as BMW, at least on these five popular models. Even better is that the 0.9 percent rate applies to every trim including the M Performance, so an M340i, X5 M60i, or the i4 M50 (pictured) see the savings. BMW also takes $2000 off the X5 and i4 and $1000 off the 3-series, X1, and X3 if you owned or leased any BMW within 12 months. Other BMW models can be financed at 1.99 percent.
2026 Chevrolet Equinox, Equinox EV, Silverado 1500, and Trailblazer
Zero percent APR for 36 months
$1000–$2500 rebate
Chevy's "Red Tag" event applies to four models (including 2025 model years except for the Trailblazer). The Equinox EV extends the zero percent interest out to 60 months and includes a $1250 rebate for anyone in a 2011 or newer non-GM vehicle. The Silverado 1500 and Equinox EV also have a Costco member rebate of either $1000 or $1250.
2026 Genesis G70, GV70, and 2025/2026 GV80 and GV80 Coupe
0.99 percent APR for 36 months
$1000–$4000 rebate
Shop for a New Genesis
Genesis is generous with finance options across its entire lineup. If three years is too short a time, Genesis will do five years at 1.99 percent for the same cars. The G80 and G90 have higher rates, while the electrics are zero percent for the full 60 months. If you own a Hyundai going back to 2008, Genesis will gladly trash it, give you a trade-in credit, and throw another $1000 your way. That's part of the company's Competitive Owner Bonus, which includes brands such as Rolls-Royce and Aston Martin (why not?). It maxes out at $2500 for a 2025 GV80 3.5T Prestige in certain parts of the country. The 2025 GV80 Coupe comes with a $3000 credit off the bat and can be combined with a $1000 bonus. Both of those 2025 SUVs also finance at 0.99 percent.
2025 Infiniti QX50 and QX55
Zero percent APR for 36 months or $6500 rebate
Infiniti sold fewer than 40,000 cars through the third quarter of this year, a pace that may put Infiniti behind the just over 58,000 cars it sold in 2024. Consider that Infiniti at its peak hit 235,000 in 2012 and nearly 80,000 during the worst of the pandemic in 2020. With the QX50 and QX55 discontinued, there are deals on those cars of either zero percent interest or a $6500 rebate. Only the QX60 and QX80, which has a $7000 discount for 2026 models, will continue to be built.
2025 Jeep Compass, Gladiator, Grand Cherokee, Grand Cherokee 4xe Hybrid, Wagoneer S, Grand Wagoneer, Wrangler, and Wrangler 4xe Hybrid
$1500–$15,250 rebate
No payments for 90 days
1.9% APR for 72 months on 4xe models
Every 2025 Jeep financed through Stellantis is eligible for deferred payments, and every 2025 Jeep except the 4xe models have large discounts that subsequently apply. The Compass starts with a $1500 discount, the Grand Cherokee is in the middle at $6500, and the electric Wagoneer S hits the $15,250 max. Only vehicles that are among the 20 percent oldest in a dealer's inventory are eligible for the rebates. The 2024 Wagoneer is eligible for a separate $8750 rebate, but the 2025 Wagoneer and 2025 Grand Wagoneer are not.
2025 Lincoln Aviator, Corsair, Nautilus, Navigator
Zero percent APR for 48 months
No down payment and no payments for 90 days
Every 2025 Lincoln can be financed at zero percent without a down payment, and except for the Navigator, you can defer the first payment for three months. An additional $1000 credit applies to all models.
2025 Mitsubishi Eclipse Cross, Outlander Sport, Outlander, and Outlander Hybrid
Zero percent APR for 60 months or $3000–$4500 rebate
Mitsubishi almost went of business in the United States with an unbeatable "0-0-0" deal in the early 2000s that offered no interest, no down payment, and no payments for a whole year. Turns out, after a year of paying nothing, many Mitsubishi owners didn't feel the need to start paying for a car that didn't cost them anything. The company had to eat more than $450 million in defaulted loans. Mitsubishi won't make that mistake again. For 2025, it is offering zero percent interest with zero down but with a firm request that customers make their first payments in the second month. Except for the Outlander Sport, a rebate ranging from $3000 on the Eclipse Cross to $4500 on the Outlander PHEV is available if you finance without the special APR.
2025 Nissan Ariya, Murano, Pathfinder and 2026 Rogue
Zero percent APR for 60 months or 1.9 percent APR for 72 months
$2500–$5000 rebate
Four Nissan SUVs have zero percent interest for five years, with buyers of the electric, discontinued Ariya given a sixth year (the 1.9 percent option is for the gas models). If you forgo the special rate, Nissan will take $5000 off a Murano or Pathfinder and $2500 off a Rogue. Nissan's other models have some much higher interest rates, like the 6.9 percent interest on the Altima and Frontier for 84 months. Lease those models instead.
2025 Subaru Outback and WRX
Zero percent APR for 36 months
Before the 2026 Outback arrives, Subaru is saying goodbye to the current generation with zero percent interest for 36 months or 0.9 percent for 60 months. All nine trims are eligible. So is the WRX, but without the longer-term option. Subaru's best deal is paired to its least popular car: zero percent for 72 months on the electric 2025 Solterra.
Looking to purchase a car? Find your match on the MSN Autos Marketplace 2025-11-08T15:06:22Z