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The Best Auto Loan Rates For September 2025: Labor Day Sales Continue
Interest rates remain high as summer fades, yet smart buyers secure zero percent financing each and every day. In September, Labor Day car sales bring even better opportunities to lock in a deal. If you’re thinking of financing a new car, you’ll want to take advantage of manufacturer incentives to save thousands. These are the best new car finance deals for September 2025.
👉 Note that automakers release their monthly deals around the second to the fifth of each month. Check back for updates!
The Best Auto Loan Rates in September
We’ve compiled every manufacturer’s financing incentives below, but these are the best loan deals with the lowest auto loan rates this month. Automakers update their incentives between the second and fifth business day of each month. Check back for updates! As you can see, zero percent financing is common as automakers look to sell leftover 2024 models, even eight months into the new year. However, some 2025 and even 2026 models are advertised with low APR offers that seem to indicate slowing demand. Check out all of the best deals below.
Acura Financing Deals
3.99% APR for 60 months for the 2025 Acura ADX
4.99% APR for 60 months for the 2025 Acura RDX and MDX
See offer details at Acura.com
See Acura listings with local market insights
Audi Financing Deals
In September, Audi EVs like the 2025 Audi Q6 e-tron, Q8 e-tron, and Audi Q5 plug-in hybrid are eligible for 0.99% APR financing for 72 months.
Learn more at AudiUSA.com
See Audi listings with local market insights
BMW Financing Deals
In September, BMW is back with some great deals for luxury crossovers and EVs.
1.99% APR for 60 months: 2025 BMW X3
2025 BMW i4, i5, i7: 2.99% APR financing offer for 60 months. Most other BMW models have 3.99% APRs for 60 months in August. Learn more at BMWUSA.com
See BMW listings with local market insights
Buick Financing Deals
0.9% APR for 36 months for the 2025 Envista, 2025 Envision, 2025 Buick Encore GX, 2025 Buick Enclave
The Buick Encore GX is also eligible for a $3,000 purchase allowance
Browse Buick listings with local market insights
Cadillac Financing Deals
Cadillac has some decent financing offers for luxury cars and SUVs in September 2025:
2.9% APR for 60 months for the 2025 Cadillac Lyriq
4.4% APR for 36 months for the XT4, XT5, and XT6
Cadillac is also offering various cash incentives of up to $2,000 for select models.
See Cadillac listings with local market insights
Chevrolet Financing Deals
General Motors has fewer low-APR financing offers this month, even as Labor Day 2025 sales continue.
2.9% APR for 72 months: 2025 Chevrolet Silverado 1500
0% APR for 60 months: 2025 Equinox EV, Blazer EV, Silverado EV. Note that the federal EV tax credit ends on 9/30/25.
See Chevrolet listings with local market insights
Chrysler Financing Deals
In August, Chrysler continues to offer employee pricing, and zero percent financing for the Pacifica PHEV.
0% APR for 72 months, or $5,250 cash allowance: 2025 Chrysler Pacifica PHEV
See Dodge local market insights
Dodge Financing Deals
These are Dodge’s financing offers this month, with 0% APRs continuing for two models:
0% APR for 72 months: Dodge Hornet eAWD and Dodge Charger Daytona
Cash offer: $9,750 bonus cash allowance for the 2024 Dodge Hornet, or $12,250 when purchasing a 2024 Dodge Charger Daytona.
See Dodge local market insights + the BEST deals
Ford Financing Deals
Ford doesn’t typically offer many 0% APR specials. It’s slim picking this month, with Ford’s competitors offering better deals across the board.
0% APR for 72 months for the 2025 F-150 Lightning ($7,500 federal tax credit ends 9/30/25)
3.9% APR for 60 months: 2025 Ford F-150
Ford is also offering 4.9% APR for 72 months for the 2025 Ford Explorer, and 3.9% APR for 72 months for the Mustang Mach-E
Learn more at Ford.com.
See Ford inventory with local market insights
GMC Financing Deals
GMC has some of the best truck offers in September, but note that the offer for the Sierra 1500 is term-limited:
0% APR for 36 months: 2025 GMC Sierra 1500 (plus up to $6,250 cash allowance)
0% APR for 60 months: 2024 GMC Sierra EV, Hummer EV
Learn more from GMC.
See GMC local market insights + the BEST deals
Honda Financing Deals
Honda is advertising these financing offers for September:
0% APR for 60 months: 2024 Honda Prologue
0.99% APR for 60 months: 2025 Honda Ridgeline
2.99% APR for 60 months: 2025 Honda Accord
Learn more about these offers.
See Honda pricing insights with local listings
Hyundai Financing Deals
These are the best Hyundai APR offers right now, featuring one 0% financing offer:
0% APR for 60 months: 2025 Hyundai Santa Fe
1.99% APR for 60 months: 2025 Hyundai IONIQ 5
1.99% APR for 60 months: 2025 Hyundai Tucson, 2025 Elantra
Hyundai is also offering cash discounts on most models, including $2,750 off for the Santa Fe and $5,000 off of the new IONIQ 9.
See Hyundai local market insights + the BEST deals
Jeep Financing Deals
Jeep has thousands of unsold 2024 models sitting around on dealership lots as we enter autumn. This tough situation for the company makes it a buyer’s market for those looking to save big. Most models feature a choice between big cash discounts, or low-APR financing.
0% APR for 72 months: 2024 Jeep Grand Cherokee 4xe, 2024 Jeep Wrangler 4xe, 2024 Jeep Wagoneer S
1.9% APR for 72 months: 2025 Jeep Grand Cherokee 4xe, 2025 Jeep Wrangler 4xe, 2025 Jeep Wagoneer S
Save up to $8,750 on the 2024 Jeep Wagoneer, and up to $7,750 off the Wagoneer S electric SUV.
The 2025 Jeep Grand Cherokee, Wrangler 4xe, and Gladiator are eligible for up to $6,000 in cash incentives.
See Jeep local pricing insights
Kia Financing Deals
0% APR for 72 months: 2025 Kia Niro EV
1.9% APR for 60 months: 2024 Kia Niro, 2025 Kia Sportage, 2025 Kia Sorento
Lexus Financing Deals
Lexus has some of the best luxury financing offers right now. Several top models feature 3.79% APR financing, and the RZ EV is interest-free for six years.
0% APR for 72 months for the 2025 Lexus RZ electric vehicle
3.49% APR for 48 months for the 2025 Lexus RX, NX, IS, ES, UX
Learn more at Lexus.com
See Lexus local pricing insights and listings
Mazda Financing Deals
Mazda has some great financing offers for September, with SUVs like the CX-50 featuring low-APR deals for 60 months:
1.9% APR for 60 months: 2025 CX-50, 2025 CX-50H, 2025 CX-90, 2025 CX-90 PHEV
2.9% APR for up to 60 MONTHS: 2025 CX-70, 2025 CX-70 PHEV
4.9% APR for 60 months for most other models
Learn more at MazdaUSA.com
See Mazda local pricing insights
Mitsubishi Financing Deals
0% APR for 60 months: 2025 Mitsubishi Outlander (Offer only available to residents of the following states: Florida, Texas, Pennsylvania, New York, Illinois, Minnesota, and Tennessee.)
Learn more at MitsubishiCars.com
See Mitsubishi local market insights
Nissan Financing Deals
The best new car offers this month include some amazing financing offers from Nissan:
0% APR for 60 months: 2025 Rogue, 2025 Pathfinder, 2025 Murano, 2025 Ariya
Learn more about these offers at NissanUSA.com
See Nissan local market insights and inventory
Ram Financing Deals
In August, Ram is back with a great financing deal for their popular full-sized pickup.
1.9% APR financing for 72 months for the 2025 Ram 1500 pickup truck. This offer applies to the 2025 Ram 1500 Big Horn Crew Cab 4×4. 2026 Ram 1500 pickups are offered with 2.9% APR for 72 months.
See details at ramtrucks.com
See Ram local market insights + the BEST deals
Subaru Financing Deals
In September, Subaru has some of the best APR specials for all-wheel drive SUVs. All of Subaru’s popular models are available with low-APR financing.
0% APR for 72 months: 2025 Subaru Solterra
1.9% APR for 72 months: 2025 Subaru Outback
1.9% APR for 63 months: 2025 Subaru Crosstrek
See which models and trims qualify at subaru.com.
See Subaru local pricing insights and inventory
Tesla Financing Deals
Tesla has discontinued 0% APR financing for the Model 3 and Model Y. The newly redesigned 2025 Tesla Model Y and Model 3 are available with 3.99% APR financing for 60 months.
Note that Tesla’s offers are subject to change at any time, not necessarily at month’s end. Learn more at Tesla.com.
Browse Used Tesla Listings Near You
Toyota Financing Deals
For September 2025, Toyota has these APR deals for well-qualified buyers. Note that Toyota’s monthly offers are usually different for each region. We’ve done our best to gather the best offers here:
1.75% APR for 72 months: 2025 Toyota Tacoma (select markets)
4.75% APR for 60 months: 2025 RAV4, 2025 Camry, 2025 Camry, 2025 Grand Highlander (select markets)
Learn more about these offers at Toyota.com
See Toyota local market insights + the BEST deals
Volkswagen Financing Deals
Volkswagen only has two standout incentives this month:
0% APR for 72 months: 2025 Volkswagen ID.4 (or $5,000 customer cash)
1.9% APR for 60 months: 2025 VW Atlas (or $3,500 customer bonus)
2.9% APR for 60 months: 2025 VW Tiguan (or $3,500 customer bonus)
Learn more about these offers at VW.com
See VW local market insights + the BEST deals
Free Car Buying Help Is Here In 2025!
Ready to outsmart the dealerships? Download your 100% free car buying cheat sheets today. From negotiating a deal to leasing a car the smart way, it’s all available for instant download. Get your cheat sheets today!
These 5 Brands Will Have The Best November Car Deals
Inventory is high for these five car brands, with thousands of 2024 (and even some 2023) models on sale with 2025 fast approaching. If you’re holding out for an unbeatable deal, November’s car sales could be your best chance to save. Let’s take a look at the car and truck brands that will have the best offers as year-end car sales approach.
Note: Manufacturer incentives for November will be announced this week. Check back for updates! Now, back to the clues that today’s car market can give us…
Lincoln
Lincoln, Ford Motor Company’s luxury brand, is struggling with a surplus of 2024 models. As of late October, two-thirds of all Lincoln inventory consists of 2024 models, and sales remain slow. With 186 days of supply, more than double the industry average, Lincoln is under pressure to clear out inventory before 2025 models hit the lot. There’s even more urgency for the 900 remaining 2023 models on sale.
Both the Navigator and Corsair have over 200 days of inventory, and Lincoln’s already experimenting with wild offers like 84-month financing (that we can’t recommend). Expect even better deals in November, likely with additional cash discounts or more appealing loan terms to move inventory faster.
Ram
Ram is facing a similar challenge, with 179 days of new truck supply as of October. Despite some improvement compared to last month, Ram still has about 130,000 new trucks on dealer lots. Currently, Ram is offering 0.9% APR for 72 months on the Ram 1500 and the Ram 1500 Classic, along with $6,500 in cash savings. As we approach November, these deals will only get better. If you’re looking for a truck, year-end sales season could be the perfect time to buy a Ram at a great price.
Ford
Ford’s new car inventory has been growing, with 152 days of supply heading into November. Popular models like the Ford Escape have the highest inventory levels, making them particularly negotiable. While Ford’s current deals, such as 1.9% APR financing for the Explorer and Mustang Mach-E, are underwhelming, we anticipate stronger offers in November. Expect 0% APR financing and larger cash incentives as Ford ramps up Black Friday and year-end promotions.
Jeep
Although Jeep has made progress selling off inventory in recent months, the brand still has 144 days of supply going into November. The Grand Wagoneer, Jeep’s most expensive model ever, is the slowest seller today. Currently, Jeep is offering 0% APR for 36 months on most models, and we anticipate these offers will improve come November, with longer financing terms and possibly bigger rebates. If you’re in the market for an SUV, Jeep’s November deals are worth keeping an eye on.
Nissan
Nissan is grappling with declining sales and market share in the U.S., and its inventory levels reflect the struggles. Over half of all Nissan inventory consists of 2024 models, with 143 days of supply as of late October. There are still about 2,000 2023 models lingering on dealer lots. With nearly 100,000 2024s to sell before the new year, Nissan will be offering generous manufacturer incentives in November and December. Be prepared for excellent low-APR deals and enticing lease offers as Nissan works to clear its lots.
Get Ready for November’s Car Deals
These five brands—Lincoln, Ram, Ford, Jeep, and Nissan—are facing inventory challenges heading into the end of 2024. November’s car sales will bring the best offers yet, including low-interest financing, enticing lease deals, and cash discounts. Be sure to check back this week for the official Black Friday and year-end deals! Consider the above insider info for the month to come.
What To Expect For Black Friday Car Deals [2024]
Black Friday 2024 is just around the corner, and this is one of the best times to score a deal you can be proud of. Year-end car sales kick off with Black Friday, and dealers nationwide will be rolling out major finance, cash, and lease incentives to clear out 2024 inventory as 2025 models continue to arrive. Let’s take a closer look at where you can expect to see the best deals in the last weeks of 2024.
Black Friday Deals to Expect in November 2024
Zero Percent Financing Offers
In 2024, auto loan rates are beginning to fall, albeit slightly. Following two years of high APRs, automakers will be looking to lure in buyers with low-APR offers. In October 2024, there are no fewer than 24 zero-percent financing offers in America. In November’s Black Friday financing sales, expect that number to grow.
Historically, automakers like Nissan, Hyundai, Mazda, and Ford have offered the most zero percent financing around the holiday, and we expect similar offers this year. Expect to see zero percent financing on popular models, especially for remaining 2024 vehicles. This could be a golden opportunity to lock in a great rate and save on interest over the life of your loan.
Aggressive Lease Deals
Lease deals are another cornerstone of Black Friday sales, with many offering lower-than-usual monthly payments and minimal down payments. There are even zero-down leases available today. Given the high inventory of 2024 models, automakers are likely to entice buyers with limited-time lease offers for EVs and trucks, two categories with an oversupply of 2024s and even remaining 2023s. Leasing is a great way to avoid the perils of depreciation, which often leads to negative equity car loans.
Cash Incentives and Manufacturer Rebates
If finance or lease deals don’t align with your goals, cash incentives could be your best bet. In November and December, automakers and local dealerships alike REALLY want to sell remaining 2024 inventory before they become last year’s cars.
With higher supply this year, automakers will likely offer hefty rebates on sedans, SUVs, and trucks to clear the lot for 2025 models.
Key Factors That Could Impact Black Friday’s Car Market
Rising Inventory Levels
According to the latest Cox Automotive market report, there’s now an 81-day supply of new cars in America. While this is slightly below the 83 days of inventory seen earlier in 2024, it remains above normal. In other words, there are plenty of new cars to choose from on dealer lots.
However, it also depends where you look. Several brands have much higher inventory right now, and are ripe for big discounts. The following brands are all more likely to have the best Black Friday car deals due to high inventory, and a flood of incoming 2025 models:
- Jaguar (91% above market average)
- Lincoln (81% above market average)
- Alfa Romeo (75% above market average)
- Ram (73% above market average)
- Volvo (73% above market average)
- Dodge (62% above market average)
- Jeep (55% above market average)
- Mini (54% above market average)
- Ford (38% above market average)
- Nissan (30% above market average)
See local inventory data for any car or truck with CarEdge Pro.
If you’ve had your eye on a particular model, Black Friday might present the best chance to get it below MSRP, and with great financing terms. And the great news is that if you don’t see the model that you’re after on sale, year-end sales will hit hard come December.
The Interest Rate Landscape
In September 2024, the Federal Reserve initiated its first rate cut of the cycle, marking a turning point for auto loan rates. As a result, loan rates are gradually starting to fall, making car financing more affordable. With interest rates slowly falling, automakers are likely to introduce better financing specials, including 0% APR deals, as they look to clear out 2024 inventory during Black Friday and year-end sales.
EV Deals (Especially Leases)
With more electric vehicles hitting the market and early adopters already driving EVs, competition in the EV space has intensified. Automakers are out to convert the masses to EVs. If they don’t, they risk going bankrupt following billions upon billions of dollars in manufacturing investments.
As is often the case, automaker struggles create the perfect conditions for a buyer’s market. This is bittersweet news for EV shoppers who have been patiently awaiting lower prices. Expect competitive pricing on EVs like the Tesla Model Y, Hyundai IONIQ 5, Kia EV6, and Ford F-150 Lightning as automakers do their best to clear out 2024 models before the new year.
Are there Black Friday used car deals?
While Black Friday is traditionally focused on new car deals, the used car market becomes more favorable for buyers towards the end of the year. As more buyers flock to new car deals, demand for used cars typically declines, leading to more room for negotiation.
If you’re set on negotiating a used car deal this Black Friday, it’s a good idea to check out dealership lot inventory beforehand to see which cars have been sitting on the lot for too long. These are the cars most likely to see cash discounts, or better yet, be successfully negotiated with proven car buying strategies. Use CarEdge Pro to see how long cars have been sitting on the lot in your area.
Not ready to buy? December will have even bigger deals
If you miss the Black Friday car deals, don’t worry—some of the best year-end sales typically come in December. As dealerships scramble to clear out 2024 models before the new year, they often offer even steeper discounts, better financing terms, and larger incentives. So while Black Friday presents great opportunities, December could bring more significant savings. Keep an eye on dealer promotions, and don’t feel pressured to rush—there’s plenty of time to score a fantastic deal before the year ends.
Should You Sell Your Car Now Or Wait? Time Your Trade-In Right
If you’re asking, “When is a good time to sell your car?”, the answer is almost always sooner rather than later. In general, your car is worth more today than it will be tomorrow. However, there are nuances for some drivers that can change the dynamic. Here’s a closer look at when selling makes the most sense, and when waiting won’t hurt.
2025 Is Almost Here
As the calendar approaches 2025, it’s important to recognize that your car’s value will drop significantly once the new year begins. On January 1st, your vehicle will effectively be considered a year older, even if it hasn’t aged by much in terms of mileage or condition. This is because most car buyers and dealerships use model year as a primary factor in determining value. If you’re thinking about selling or trading in your vehicle, now is the time to act before the new model year triggers additional depreciation.
👉 We track used car prices weekly
Mileage Matters: Watch Out for Costly Milestones
Mileage plays a big role in determining a car’s resale value. Two critical thresholds where cars typically lose significant value are at 100,000 miles and 150,000 miles. Once a vehicle crosses 100,000 miles, it’s seen as a higher maintenance risk, which can reduce its value by up to 20%. At 150,000 miles, the depreciation steepens further, as buyers become wary of potential expensive repairs. If your car is approaching one of these milestones, it may be time to consider selling before the value drops significantly.
If You Don’t Sell Before Year’s End, Wait for Tax Refund Season
If you decide not to sell before the end of 2024, your next best option is to wait until the spring, when tax refund season fuels a surge in used car demand. Historically, many buyers use tax refunds to purchase used vehicles, making it an ideal time to sell and get a better price. As demand rises, so do resale values. Timing your sale around this season can help you maximize your car’s value.
How Hurricanes Impact the Used Car Market
Hurricanes Milton and Helene brought devastation to the Southeastern US in October. As the cleanup continues, the new and used car markets are beginning to feel the impacts. With a large number of vehicles damaged by flood waters and wind, thousands of cars were taken off of the market for the time being. This has created a spike in demand and pricing, which could work in favor of sellers. However, keep in mind that replacing your car during this shortage may be more expensive, and the risk of flooded cars on the market warrants caution for car buyers and sellers alike.
All-Wheel Drive Vehicles: Sell Before Winter Ends
For those owning all-wheel drive (AWD) vehicles, selling now is a strategic move. AWD cars and SUVs are highly desirable in cold climates, making this the season when demand (and therefore resale value) peaks. As winter fades and spring approaches, buyers become less interested in AWD vehicles, leading to lower offers. By timing your sale to match seasonal demand, you can justify a higher selling price, putting more money in your pocket.
Check out the best cars and SUVs for winter driving
The Bottom Line: Should You Sell Now or Wait?
In general, holding onto a vehicle means watching its value decline. When it comes to playing it smart, the rule of thumb is to sell when demand is high and before your car depreciates further. Stay informed about your car’s depreciation with the CarEdge Research Hub, where you can compare depreciation, total cost of ownership, and more to make an educated decision about your next move. It’s free data for all!
Tesla and BMW Owners Are Most Likely To Be Upside Down On Car Loans
In our recent CarEdge Negative Equity Report, we uncovered an alarming trend: 31% of those who financed their vehicles are currently underwater on their loans. In other words, they owe more on their cars than the vehicles are worth. Among electric vehicle owners, the rate of negative equity is even higher—46% of EV drivers are upside down on their loans. Two brands stood out with particularly high rates of negative equity: Tesla and BMW. Here’s a look at just how bad the situation is for owners of these two luxury car brands.
Half of Tesla and BMW Drivers Are Underwater
The CarEdge Q3 2024 Negative Equity Report revealed that 52% of Tesla owners and 50% of BMW owners are underwater on their car loans in 2024. This is significantly worse than the industry average. Tesla owners had a median equity of -$1,718, the lowest of all car brands analyzed. In fact, Tesla was the only brand with a negative median equity. BMW drivers didn’t fare much better, with a median equity of just $421, ranking second worst among 16 brands.
How did we get here?
In 2023, Tesla slashed prices across its lineup by an average of 25%. For example, Tesla’s best-selling Long Range AWD Model Y now starts at $47,990, a drastic drop from $65,990 in late 2022. These sharp price cuts sent resale values plummeting, driving up negative equity among Tesla owners.
For BMW, the situation is less straightforward. While BMW retains about 63% of its value after three years—above average for a luxury brand—higher financing APRs have slowed equity growth. Coupled with falling resale values, BMW owners are struggling to stay above water.
A Recipe For Negative Equity: Tesla and BMW Drivers Take Out Longer Loans
Our Negative Equity Study also highlighted the impact of loan terms on negative equity. Drivers with shorter loan terms of 48 months had a median equity of $9,762, while those with 60-month loans saw a median equity of $7,041. However, longer loans of 72 or 84 months had a devastating effect on equity. Those with 72-month loans had a median equity of just $2,085, while 84-month loans left drivers with a median negative equity of -$4,920.
Tesla and BMW owners are particularly prone to longer loans. Tesla drivers had an average loan term of 66 months, with 65% of respondents having 72-month loans or longer. BMW drivers averaged 63 months, with 43% of them financing for 72 months or more. These extended loan terms put drivers at a higher risk of negative equity, especially when combined with the rapid depreciation often seen with luxury and electric vehicles.
👉 Download the CarEdge Negative Equity Report for the full picture.
What Drivers Can Do to Avoid Negative Equity
To avoid negative equity, drivers should consider sticking to loan terms of 60 months or less and making larger down payments whenever possible. Choosing vehicles with strong resale value can also help maintain equity throughout the life of the loan. For example, models like the Toyota Prius have consistently performed well in resale value rankings, while others like the Tesla Model X perform poorly.
Another effective strategy to combat negative equity is simply keeping your vehicle longer. Drivers who frequently trade in cars are much more likely to be upside down on their loans, as depreciation outpaces the payoff of their existing loans.
Compare vehicle depreciation, maintenance costs, and more with the 100% free CarEdge Research Hub. It’s insider data, for everyone!
