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Buying a Car with Bad Credit? What to Know About Loans, Down Payments, and More
Having bad credit doesn’t mean you can’t buy a car—it just means you need to be smart about it. In 2025, car prices remain high, and auto loan interest rates are even higher for buyers with low credit scores. But don’t worry—there are ways to navigate the car-buying process and secure financing, even with bad credit.
Whether you’re rebuilding your credit or buying a car with no credit history at all, this guide covers everything you need to know. From down payment requirements to the best lenders for bad credit, we’ll walk you through the steps to buy a car in 2025 without getting ripped off.
What Counts as Bad Credit for a Car Loan?
In the world of auto financing, lenders classify borrowers into different credit tiers. Here’s a breakdown:
| Credit Tier | Credit Score Range | Financing Impact |
|---|---|---|
| Prime | 660+ | Low interest rates (as low as 4-6%) |
| Near Prime | 620-659 | Moderate interest rates (8-12%) |
| Subprime | 580-619 | High interest rates (12-18%) |
| Deep Subprime | Below 580 | Very high interest rates (18-25% or more) |
If your credit score falls in the subprime or deep subprime category, you will likely face higher loan rates, larger down payment requirements, and stricter lender requirements.
The national average used car loan rate for subprime borrowers is 16.78%, while deep subprime borrowers see rates above 20%. On a $20,000 car loan, that could mean paying thousands more in interest over time.
How to Buy a Car with Bad Credit in 2025
1. Save for a Bigger Down Payment
Why it matters: A larger down payment lowers your monthly payments, improves your loan approval chances, and reduces how much you pay in interest over time.
Here’s why a down payment is essential when buying with bad credit:
- Lenders see you as less risky if you have “skin in the game.”
- You borrow less money, which lowers your total interest paid.
- A larger down payment can offset a higher APR, reducing your long-term costs.
How much should you put down?
- 10% down = minimum recommended
- 20% down = ideal for better loan terms
- 25%+ down = recommended for subprime borrowers
👉 Example: If you’re looking at a $15,000 car, here’s how different down payments impact your financing:
| Down Payment | Loan Amount | Example Monthly Payment (16.5% APR, 60 months) |
|---|---|---|
| $0 | $15,000 | $370/month |
| $1,500 (10%) | $13,500 | $333/month |
| $3,000 (20%) | $12,000 | $296/month |
Pro Tip: Trade in your current vehicle to boost your down payment! Even a low-value trade-in can help.
2. Get Pre-Approved Before You Shop
In 2025, the average used car loan rate is hovering around 14% APR. However, this includes car buyers across all credit scores. Drivers with bad credit are qualifying for loans with APRs between 15% and 20% in 2025. However, those who play it smart and shop around are guaranteed to save serious money. Here’s what you need to know.
Why it matters: Getting pre-approved for a car loan puts you in control. It allows you to:
✔️ Know your real budget before walking into a dealership
✔️ Avoid getting ripped off by dealer financing
✔️ Compare multiple lenders for the best rates
Where to get pre-approved:
- Local credit unions (best rates, more flexible terms for bad credit borrowers)
- Online lenders (fast approval, some specialize in bad credit loans)
- Traditional banks (may require higher credit scores)
🚨 What to avoid:
- “Guaranteed Approval” dealerships – These often have sky-high interest rates and fees.
- Multiple hard credit inquiries – If you apply with too many lenders at once, your credit score could take a hit.
Check your credit report before applying. You can get a free credit report at AnnualCreditReport.com to see if there are any errors dragging your score down.
3. Choose the Right Car (And Keep It Practical!)
Why it matters: Lenders won’t approve just any car for buyers with bad credit. They prefer reliable, affordable vehicles that hold their value well.
Avoid luxury cars, sports cars, and high-mileage vehicles. These are harder to finance and come with higher insurance costs.
Best cars to finance with bad credit:
- Toyota Corolla & Camry – High resale value, low maintenance costs
- Honda Civic & Accord – Reliable and fuel-efficient
- Mazda CX-30 & CX-50 – Affordable with great safety ratings
- Subaru Outback & Legacy – Often cheaper to insure
📌 Target vehicles priced under $20,000. Cars under this price point sell quickly, so act fast when you find a good deal. However, keep in mind that securing a loan for under $10,000 is possible but can be challenging. Loans under $5,000 are next to impossible. Keep these realities in mind before you buy.
Talk to a local bank or credit union about their lending policies before heading out to buy a car.
4. Know Your Loan Terms & Avoid Scams
Why it matters: Dealerships make a fortune off bad credit buyers with overpriced loans, sneaky fees, and unnecessary add-ons.
What to watch out for:
🚩 “Yo-Yo Financing” scams – A dealer lets you take the car home before financing is finalized, then calls back saying you need a higher interest loan. Make sure financing is finalized before you drive home in your new car.
🚩 “Packing the Payment” tricks – They sneak in warranties and add-ons without telling you. Despite what the salesperson or finance manager may say, none of these products are required. Read the product contract before agreeing to anything.
🚩 “Spot Delivery” fraud – You sign a contract, but later they claim financing fell through and demand a higher interest rate.
Before signing anything, ask:
❓ What’s my APR? (Aim for as low as possible)
❓ What’s the Out-the-Door Price of the car? (Don’t just focus on the monthly payment!)
❓ Check the loan terms: Can I pay extra or refinance later without penalties?
5. Improve Your Credit Score Before You Buy
Why it matters: Even a small credit score boost can save you thousands on your car loan. Even if your credit score is deep in the subprime category, a slight improvement could save you hundreds of dollars in interest.
How to improve your score in 30-90 days:
✔️ Lower your credit card balances (improves credit utilization)
✔️ Look for errors on your credit report (resolving them could boost your score fast!)
✔️ Make all payments on time (even utilities and rent matter!)
What’s the impact of a higher credit score? Take a look at the following real-world examples. Pay close attention to how much interest is paid at each of the different loan rates.
| Credit Score | Example APR (60 months) | Interest Paid on $15,000 Loan |
|---|---|---|
| 720+ | 6.5% APR | $2,610 |
| 660-719 | 10.5% APR | $4,450 |
| 600-659 | 14.9% APR | $6,240 |
| 500-599 | 20.0%+ APR | $9,190+ |
Even raising your score from 580 to 620 could cut your APR by half! That would keep hundreds of dollars in your wallet over the life of your loan.
New Car Buyers Beware: The Negative Equity Trap
For those considering buying a new car with bad credit, be extra cautious. New car prices are still near record highs, and financing costs are extremely expensive—even for buyers with good credit. With average used car loan rates at 14% and new car loan rates often exceeding 10% for subprime borrowers, it’s easy to end up in a negative equity situation, where you owe more than the car is worth.
That’s why buyers with bad credit should avoid financing expensive new cars and instead look for reliable used cars under $20,000. This strategy will help you avoid excessive interest costs and reduce the risk of negative equity down the road.
Learn more about how to protect your finances and avoid negative equity.
Final Thoughts: Should You Buy Now or Wait?
As spring car buying season approaches, used car prices are already starting to rise. Historically, March, April, and May are some of the most expensive months for used cars due to higher demand from tax refund buyers.
If you’re looking for the best deal on a used car, waiting 90 days could save you hundreds—or even thousands—of dollars. By late spring and early summer, inventory levels will improve, and demand will start to cool off, making it the ideal time to buy.
However, if you must buy now:
✔️ Stick to used cars under $20,000 to avoid overpaying
✔️ Save 10-25% for a down payment to reduce interest costs
✔️ Get pre-approved BEFORE going to a dealership to secure a better loan
✔️ Avoid dealer scams by knowing which fees are legit
✔️ Use these Free Car Buying Calculators to know what to expect
🚗 Ready to find the best car deals? Get your FREE Car Buyer’s GuideWant a pro to negotiate for you? Let CarEdge handle everything!
Spring 2025 Used Car Market: Buy Now, or Wait Until Summer?
Spring is just around the corner, and if you’re in the market for a used car, you might want to think strategically about when to buy. The worst time to purchase a used car is fast approaching, as prices historically rise in April and early May when demand surges. On the flip side, if you’re thinking about selling, spring is the perfect time to get the most for your car.
Here’s everything you need to know about where the used car market stands heading into spring 2025.
Used Car Prices Will Rise Soon – Here’s Why
While used car prices have come down from their record highs in 2022, they’re still well above historical norms. As of March 2025, the average used car selling price is $25,128. That’s $5,000 higher than just five years ago. However, our weekly used car price updates show that selling prices have been slowly falling in early 2025. As we head into spring, seasonal trends are on track to send prices the other direction. With spring car-buying season ahead, prices are about to climb higher,
Several factors are expected to drive used car prices higher for spring 2025:
Tax Refund Season Fuels Demand – Many buyers use tax refunds for down payments, creating a rush of demand in April and May.
Lower Inventory at Affordable Price Points – Used cars under $15,000 are in short supply, with only a 35-day supply on the market. That’s nine days lower than last year, according to Cox Automotive.
New Car Prices Keep Climbing – As automakers continue to push new car prices higher, more drivers are shopping used car lots in search of affordability. As preowned lots get crowded with shoppers, negotiations become more challenging.
Top Brands Are the Most Competitive – Used Ford, Chevrolet, Toyota, Honda, and Nissan models made up 51% of all used cars sold last month. Because these brands are in high demand, prices are expected to rise the most in the spring.
A look at the best-selling used cars
Here’s a look at the average selling prices of the top 10 used cars in America in 2025, courtesy of CarEdge Pro:
| Make | Model | Average Selling Price (Used) | Days of Supply (Used) |
|---|---|---|---|
| Ford | F-150 | $29,591 | 61 |
| Chevrolet | Silverado 1500 | $29,212 | 60 |
| Toyota | RAV4 | $23,794 | 52 |
| Tesla | Model Y | $30,999 | 37 |
| Honda | CR-V | $20,010 | 50 |
| Ram | 1500 | $29,500 | 64 |
| GMC | Sierra 1500 | $33,500 | 60 |
| Toyota | Camry | $20,589 | 58 |
| Nissan | Rogue | $19,498 | 59 |
| Honda | Civic | $16,495 | 55 |
Although used car and truck prices have fallen from recent highs, they still remain far above historical norms. Car prices have exceeded the rate of inflation over the past 5 years, adding insult to injury for household finances.
Today’s used car buyers are unsurprisingly finding the best deals on higher mileage vehicles. As drivers hold on to vehicles longer, the odometer readings continue to creep higher. The average used car on sale in the U.S. has 70,000 miles on the odometer, a new all-time high. It’s more important than ever to get an independent Pre-Purchase Inspection on ANY used car before buying.
👉 Get Your FREE Used Car Buying Toolkit – Window Sticker and All!
Used Car Inventory Is Tight – And It’s Getting Tighter
Another reason prices will keep rising? There simply aren’t enough used cars on the market.
Total used car inventory is down 3% year-over-year. There are currently 2.23 million used cars for sale in the U.S., compared to 2.5 million three years ago. The lingering effects of pandemic-era production shutdowns continue to impact supply, with fewer used cars available today.
Days of supply shows a tightening market. Right now, the market has a 48-day supply of used cars, down from 56 days at this time last year. With demand about to spike, this will shrink further, making it harder to find the right car at a great price.
If you’re shopping for a used car, expect inventory to tighten and prices to rise as we enter spring. Basic supply and demand principles lend themselves to higher used car prices in April through early May.
Used Car Loan Rates Remain High
Financing a used car in 2025 comes with a major challenge: high interest rates. The average used car loan rate is still hovering around 14% APR, making it tougher for buyers to afford monthly payments. Even those with excellent credit are struggling to find rates below 7% APR, even when financing through credit unions and local banks.
Unfortunately, relief isn’t on the horizon. The Federal Reserve has signaled that future interest rate cuts are on hold due to persistent inflation. That means used car loan rates are likely to remain elevated for the next several months.
💡 CarEdge Tip: If you need to finance a used car, shop around for the best rates before stepping foot in a dealership. Comparing offers from multiple lenders—especially local credit unions—can help you secure the lowest possible rate.
Spring Is the Best Time to Sell a Car
While buyers face a more competitive market, April 2025 is an excellent time to sell a used car or trade one in.
More buyers = better offers – With demand increasing, used car sellers will have more negotiating power, whether selling to a private buyer or trading in at a dealership. Sellers who are familiar with seasonal trends in used car prices are more likely to get a fair offer.
Higher trade-in values – As dealers have a harder time sourcing inventory, trade-in offers will be more competitive, especially for popular brands like Toyota, Honda, Subaru, and Ford.
Bottom Line: Should You Buy a Used Car in April 2025?
If you need a car soon – Act fast before prices climb higher. If you’re set on buying this spring, compare listings now and lock in a deal before demand spikes.
⏳ If you can wait 90 days – Consider holding off until late May or early summer, when the spring surge settles and inventory stabilizes.
🚗 If you’re selling – Spring is the time! Take advantage of high demand and strong trade-in values before the market shifts come summer.
👉 Get Your FREE Used Car Buying Toolkit – Featuring Target Price, Window Sticker and More!
The Best Used Cars Under $10,000 in 2025
Looking for a reliable, affordable used car in 2025? You’re not alone. With new car prices still near record highs, the used car market remains the best place to find a budget-friendly vehicle. The challenge? Finding a reliable used car that won’t break the bank on repairs.
That’s why we’ve put together this list of the best used cars under $10,000, featuring vehicles with strong reliability ratings, reasonable maintenance costs, and great overall value. While the national average selling price for these cars is often higher than $10,000, we’ve included realistic target prices based on the latest market trends—meaning with some patience and negotiation, you can land one of these for under $10,000 in 2025.
The Best Used Cars Under $10,000 in 2025
2016 Mazda 3
Consumer Reports Reliability Score: 78/100
Average Selling Price: $11,978
Target Price: $9,500 for a 2016 Mazda 3 with 100,000 – 130,000 miles and a clean history.
Why It’s Great:
The 2016 Mazda 3 is an all-around winner, offering a fun driving experience, excellent fuel economy, and strong reliability ratings. With 33 miles per gallon in mixed driving, it’s an ideal choice for commuters who need something cheap and efficient. The Mazda 3 also earns an A+ CarEdge Value Rating, making it one of the best used cars under $10,000.
🔍 Browse Mazda 3 listings near you
2018 Chevrolet Bolt EV
Consumer Reports Reliability Score: 88/100
Average Selling Price: $12,793
Target Price: $9,800 for a 2017 Chevrolet Bolt EV with under 120,000 miles and a clean history.
Why It’s Great:
The Chevy Bolt is best used EV under $10,000—but with a few caveats. If you can confirm that the Bolt has received its battery replacement under the 2021 recall, it’s a fantastic value. With over 200 miles of range, the Bolt is great for commuting and around-town driving. However, it’s not ideal for road trips due to slow charging speeds.
🔍 Browse Chevrolet Bolt EV listings near you
2018 Chevrolet Cruze
Consumer Reports Reliability Score: 74/100
Average Selling Price: $10,153
Target Price: $7,500 for a 2018 Chevrolet Cruze with 100,000 – 120,000 miles and a clean history.
Why It’s Great:
The Chevy Cruze is fuel-efficient, affordable, and packed with value. With newer styling, a smooth ride, and good reliability ratings, it’s a great alternative to pricier compact sedans like the Honda Civic and Toyota Corolla.
🔍 Browse Chevrolet Cruze listings near you
2016 Buick LaCrosse
Consumer Reports Reliability Score: 62/100
Average Selling Price: $13,177
Target Price: $9,800 for a 2016 Buick LaCrosse with 100,000 – 130,000 miles and a clean history.
Why It’s Great:
The Buick LaCrosse is an underrated luxury sedan, offering a smooth ride, spacious interior, and solid reliability. While new models were expensive, depreciation has made it one of the most affordable used sedans on the market. If you negotiate well, you can land a clean LaCrosse for under $10,000.
🔍 Browse Buick LaCrosse listings near you
2016 Chevrolet Malibu
Consumer Reports Reliability Score: 61/100
Average Selling Price: $11,985
Target Price: $9,500 for a 2016 Chevrolet Malibu with 100,000 – 120,000 miles and a clean history.
Why It’s Great:
The Chevy Malibu is a sleeper pick for one of the best budget-friendly sedans. It’s comfortable, spacious, and relatively inexpensive to maintain. Now that Chevrolet has discontinued the Malibu, used prices have softened, making it an even better value in 2025.
🔍 Browse Chevrolet Malibu listings near you
2016 Subaru Legacy
Consumer Reports Reliability Score: 56/100
Average Selling Price: $11,999
Target Price: $9,800 for a 2016 Subaru Legacy with 120,000 – 140,000 miles and a clean history.
Why It’s Great:
If you’re looking for an affordable all-wheel-drive sedan, the Subaru Legacy is your best bet. Subaru’s AWD system makes this an excellent choice for drivers in snowy or rainy climates. While the reliability score isn’t the highest on this list, Subarus are known for their longevity—as long as the previous owner kept up with regular maintenance.
🔍 Browse Subaru Legacy listings near you
2015 Subaru Outback
Consumer Reports Reliability Score: 53/100
Average Selling Price: $13,408
Target Price: $9,800 for a 2015 Subaru Outback with 110,000 – 150,000 miles and a clean history.
Why It’s Great:
With all-wheel drive, high ground clearance, and a spacious interior, the Subaru Outback is a fantastic option for outdoor enthusiasts or families who need versatility. It’s one of the most capable vehicles under $10,000, especially in winter climates.
🔍 Browse Subaru Outback listings near you
The Best Used Cars Under $10,000 in 2025: Final Thoughts
Finding a reliable, budget-friendly used car is tough in today’s market, but these ten models offer the best value under $10,000 in 2025. Whether you need a fuel-efficient commuter, all-wheel-drive sedan, or affordable EV, these options check all the right boxes. However, with plenty of miles on the odometer, it would be smart to protect your wallet with an affordable Vehicle Service Contract to avoid unexpected repair costs.
💡 Want to make sure you’re getting the best deal? Use CarEdge’s free tools to check fair market value and negotiate the best price on a used car.
The 10 Cheapest Cars to Insure in 2025
Car insurance costs continue to rise in 2025, with the national average annual premium now reaching $2,895. However, not all vehicles are equally expensive to insure. Some models stand out for their lower insurance rates, making them excellent choices for drivers looking to save on total cost of ownership.
We’ve analyzed CarEdge insurance data to find the cheapest cars to insure in 2025. These models not only offer affordable coverage but also have solid reliability, reasonable maintenance costs, and strong safety ratings—all factors that contribute to lower insurance premiums.
Let’s dive into the cars with the cheapest insurance in 2025 and why they are such great choices.
The 10 Cheapest Cars to Insure in 2025
1. 2025 Mazda CX-5
- Average Annual Insurance Premium: $1,877 ($1,018 below the national average)
- 5-Year Total Cost of Ownership: $39,836
- MSRP: $29,990–$42,020
The Mazda CX-5 takes the top spot as the cheapest car to insure in 2025. This popular compact SUV combines strong safety ratings, a smooth ride, and a cabin with a premium feel. Its affordability extends beyond insurance, with affordable total ownership costs and a starting price around $30,000.
See Mazda CX-5 Deals and Value Ratings
2. 2025 Honda CR-V
- Average Annual Insurance Premium: $1,881 ($1,014 below the national average)
- 5-Year Total Cost of Ownership: $42,554
- MSRP: $31,450–$37,850
In 2024, Honda sold 402,000 copies of the CR-V in America, earning fifth place in the sales charts. One reason for the CR-V’s loyal following is affordable insurance. Its advanced safety features and low theft rates contribute to its low insurance costs. With a reputation for durability, this SUV is a smart pick for long-term ownership.
See Honda CR-V Deals and Value Ratings
3. 2025 Hyundai Kona
- Average Annual Insurance Premium: $1,890 ($1,005 below the national average)
- 5-Year Total Cost of Ownership: $38,911
- MSRP: $25,745–$34,795
The Hyundai Kona is a fun-to-drive subcompact SUV that boasts a modern design, impressive fuel efficiency, and strong safety ratings. Kona drivers save about $1,000 per year on insurance compared to the national average.
See Hyundai Kona Deals and Value Ratings
4. 2025 Subaru Outback
- Average Annual Insurance Premium: $1,893 ($1,002 below the national average)
- 5-Year Total Cost of Ownership: $45,002
- MSRP: $30,290–$44,190
After 30 years on the market, the Subaru Outback remains a top-selling model for Subaru. The combination of all-wheel drive and top-tier safety ratings makes the Outback one of the cheapest cars to insure in 2025..
See Subaru Outback Deals and Value Ratings
5. 2025 Chrysler Voyager
- Average Annual Insurance Premium: $1,897 ($998 below the national average)
- 5-Year Total Cost of Ownership: $53,564
- MSRP: $41,690
Minivans tend to have lower insurance premiums due to their family-friendly nature and strong safety features. The Chrysler Voyager is a budget-friendly alternative to the Pacifica, offering a practical and spacious cabin without breaking the bank on insurance.
See Chrysler Voyager Deals and Value Ratings
6. 2025 Subaru Crosstrek
- Average Annual Insurance Premium: $1,897 ($998 below the national average)
- 5-Year Total Cost of Ownership: $37,923
- MSRP: $27,115–$33,915
The Subaru Crosstrek is another insurance-friendly option, thanks to its all-wheel drive and standard safety features. The Crosstrek is a great choice for those who need a versatile compact SUV with low long-term costs.
See Subaru Crosstrek Deals and Value Ratings
7. 2025 Hyundai Tucson
- Average Annual Insurance Premium: $1,905 ($990 below the national average)
- 5-Year Total Cost of Ownership: $45,136
- MSRP: $29,750–$41,190
The Hyundai Tucson is a popular compact SUV that offers a balance of affordability, technology, and fuel efficiency. With Hyundai’s excellent manufacturer warranty and top safety scores, it’s no surprise that insurance costs remain low.
See Hyundai Tucson Deals and Value Ratings
8. 2025 Mazda CX-30
- Average Annual Insurance Premium: $1,909 ($986 below the national average)
- 5-Year Total Cost of Ownership: $38,600
- MSRP: $26,415–$38,370
Sporty, stylish, and packed with value, the Mazda CX-30 is one of the best small SUVs for budget-conscious drivers. Its strong crash test performance and reasonable repair costs keep insurance rates below the national average.
See Mazda CX-30 Deals and Value Ratings
9. 2025 Jeep Wrangler
- Average Annual Insurance Premium: $1,913 ($982 below the national average)
- 5-Year Total Cost of Ownership: $55,046
- MSRP: $33,990–$101,890
Despite its rugged off-road reputation, the Jeep Wrangler is among the cheapest SUVs to insure. Its long-term durability, high resale value, and simple design contribute to reasonable insurance costs.
See Jeep Wrangler Deals and Value Ratings
10. 2025 Kia Niro
- Average Annual Insurance Premium: $1,914 ($981 below the national average)
- 5-Year Total Cost of Ownership: $39,851
- MSRP: $28,365–$42,165
For eco-conscious buyers, the Kia Niro offers hybrid and fully-electric options with low insurance rates. Its affordable maintenance costs and solid safety scores make it one of the cheapest cars to insure in 2025.
See Kia Niro Deals and Value Ratings
About the Data
Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won’t reflect any multi-car discounts.
What Makes a Car Cheaper to Insure?
Several factors influence how much you’ll pay for auto insurance, including:
- Safety Ratings: Vehicles with high crash test scores and advanced driver assistance features typically have lower insurance premiums.
- Repair Costs: The availability and price of replacement parts affect insurance rates. Cheaper-to-repair vehicles cost less to insure.
- Vehicle Type: Affordable sedans and SUVs tend to have lower premiums compared to sports cars and luxury models.
- Theft Rates: Cars that are frequently targeted by thieves may have higher insurance costs.
Bottom Line: The Best Cars for Low Insurance Costs in 2025
If you’re looking to save money on insurance in 2025, compact SUVs and hybrid models tend to be the best bets. The Mazda CX-5, Honda CR-V, and Hyundai Kona lead the pack, offering insurance rates more than $1,000 below the national average.
Before buying a car, it’s always smart to compare insurance quotes to ensure you’re getting the best deal. CarEdge offers free tools to help you calculate the total cost of ownership, including insurance, depreciation, and maintenance costs.
Too Many Cars, Not Enough Buyers – Presidents’ Day 2025 Deals Are Heating Up
Following a strong December fueled by luxury sales and holiday promotions, the new year kicked off with a sharp decline in vehicle transactions. According to new data from Cox Automotive, new car sales dropped 25% month-over-month in January, leading to a notable increase in inventory levels. With year-end buying season over and interest rates still high, new car inventory is up 26% since the start of January.
For car buyers, this means increasing negotiability for February’s Presidents’ Day deals. Let’s take a closer look at how new car inventory, pricing, and incentives are shaping up for 2025.
New Car Inventory Builds, But Some Brands Face Bigger Challenges
As sales cooled off in January, total new vehicle inventory rose to 2.92 million units at the start of February, marking a 14.2% increase year-over-year. However, the biggest change is the sharp rise in days’ supply, which surged to 96 days, far above the industry norm.
Ford and Chevrolet have the largest share of new car inventory, accounting for 17% and 11% of available stock, respectively. Meanwhile, Toyota, Honda, Kia, and Hyundai continue to dominate overall sales, with strong retail demand keeping their days’ supply lower than competitors.
Some brands are carrying particularly high levels of unsold inventory, creating opportunities for buyers to negotiate better deals. Stellantis—home to Jeep, Dodge, Ram, and Chrysler—has seen a dramatic shift in its supply situation. After struggling with excessive inventory last year, aggressive discounting has helped normalize Stellantis’ stock levels, though some models still linger well above industry averages:
- Dodge – 133 days’ supply
- Jeep – 128 days’ supply
- Ram – 120 days’ supply
- Chrysler – 109 days’ supply
However, Ford and Lincoln now top the charts for the highest inventory buildup, with many 2024 models still sitting unsold. Ford’s lineup is particularly weighted down by last year’s models, with 63% of their inventory still 2024 models.
SUVs and Trucks Still Dominate Sales
Despite the slowdown in overall sales, compact SUVs and full-size pickup trucks continue to be America’s best-selling vehicles.
The Toyota RAV4 remains the best-selling SUV, making it one of the least negotiable vehicles on the market. With an average listing price of $38,403, buyers can expect strong demand and limited discounts on this popular model.
On the other hand, full-size trucks have significantly more inventory, leading to higher negotiability. The Ford F-150, America’s best-selling truck, has a staggering 141 days’ supply—far above the industry average. Buyers looking for a full-size truck may find bigger discounts and more dealer incentives as brands work to move inventory.
New Car Prices Are Falling
With demand cooling off, new car prices took a step back in January.
The average listing price for a new vehicle dropped to $48,637, a 2.5% decrease from December. While this still represents a 2.5% increase year-over-year, the decline is a welcome relief for shoppers who faced record-high prices in 2023 and 2024.
For budget-conscious buyers, more affordable new cars are still available:
- 81 models are priced under $40,000
- 27 models are priced under $30,000
- Only one new car remains under $20,000: the Mitsubishi Mirage, priced at $19,526, with the Mirage G4 sedan variant at a similar price point.
Incentives Drop in January, But February Brings Big Sales
One of the biggest drivers of December’s strong sales was higher manufacturer incentives, but those deals dropped in January. In January 2025, new car incentives fell to 7.2% of the average transaction price, or approximately $3,486 per vehicle.
February’s rising inventory has automakers bringing back BIG incentives for Presidents’ Day, especially on leftover 2024 models.
See the best deals in your ZIP code (free tool)
What This Means for Car Buyers in 2025
January’s slowdown has set the stage for some of the best Presidents’ Day car deals in years. With inventory climbing, buyers shopping for EVs, full-size trucks and slower-selling SUVs will have more leverage to negotiate. While incentives dipped slightly in January, they remain well above 2024 levels, and Presidents’ Day sales events are expected to bring even deeper discounts as dealers work through excess inventory.
For the best deals, focus on models with high days’ supply, especially these slowest-selling cars and trucks.
Shop smart in 2025! Use CarEdge’s free tools to compare local inventory levels, dealer pricing, and market trends before heading to the dealership.
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Auto Insurance Rates Are Up 12% Since Last Year – Here’s How Tariffs Will Impact Premiums
Auto insurance rates are climbing once again in 2025, and the latest data suggests that relief is nowhere in sight. According to the February 2025 Consumer Price Index, the motor vehicle insurance index rose 2.0% in January, pushing the 12-month increase to nearly 12%. Car insurance costs have been rising steadily for the past three years, and new factors – including tariff’s impacts on car prices and auto parts – threaten to send rates even higher. Here’s what’s driving up auto insurance costs in 2025, and what it means for drivers.
Insurance Rates Continue to Rise
Auto insurance rates have been on a steady upward trajectory since 2022, and new projections suggest that costs will increase another 5% in 2025. According to Insurify, auto insurance rates soared 15% in 2024, while EV insurance costs for nine popular models jumped 28% over the same period.
Today, the average cost of full-coverage auto insurance is $2,313 per year, but for many drivers, it’s far worse. In six states, annual premiums exceed $3,000, making car ownership even more expensive. Many drivers fail to plan for insurance costs prior to purchasing a vehicle, making insurance expenses one of the hidden costs of vehicle ownership, alongside depreciation.
Why Are Auto Insurance Rates Rising in 2025?
Several factors are driving the increase in car insurance costs, including:
- Rising Vehicle Repair Costs: As cars become more technologically advanced, repairs are more expensive. This is especially true for EVs, which tend to have higher repair costs than gas-powered vehicles. Even ICE vehicles have costly electronic components these days, making it more difficult to avoid the risks of costly repairs.
- Climate Risk Adjustments: Insurance companies are increasingly factoring climate risks into their rates. More frequent hurricanes, wildfires, and severe weather events are leading to higher claims payouts, which results in rising premiums for all drivers.
- Previous Insurance Industry Losses: In 2022, insurers faced a record $33.1 billion in underwriting losses, prompting a 24% increase in full-coverage policy costs in 2023. While the market is stabilizing, insurers are still adjusting their pricing models.
Some states are seeing a bit of relief. In the second half of 2024, average premiums decreased in 21 states. However, Insurify projects that drivers in Florida, New York, Georgia, Nevada, and Delaware will see the biggest rate hikes in 2025, with full-coverage rates expected to rise another 10% in these high-cost states. Nationwide, the average auto insurance premium is forecast to reach $2,435 in 2025.
How Tariffs Will Push Car Insurance Even Higher
New tariffs on cars, auto parts, and manufacturing materials are poised to make vehicle ownership even more expensive in 2025.
According to a Wall Street Journal report, auto insurance rates are particularly sensitive to tariff’s impacts because higher car prices lead to higher repair costs – which in turn drives up insurance premiums.
While tariffs on Canadian and Mexican imports have been delayed, the Trump administration has announced new tariffs on steel, aluminum, and imported semiconductors – all of which will increase manufacturing costs for automakers. Additionally, auto repair costs will rise as imported components become more expensive. As both car prices and repair costs rise, auto insurance rates will follow suit.
Even before these tariffs take effect, vehicle repair costs are already rising. The February 2025 CPI report showed that vehicle repair costs increased by 7.4% year-over-year, reflecting higher parts costs and labor shortages. With 40% of imported car parts coming from Mexico and Canada, many automotive repairs will become more expensive in 2025.
Car Prices Are Set to Climb to New Records
Tariffs are also expected to drive new car prices to record highs in 2025. As of February, the average new car sells for $49,740, or just a hair below 2022’s record high. Later this year, average new car prices are likely to surpass $50,000 for the first time.
One prominent industry analyst predicts that if the Trump administration’s proposed 25% tariffs on Mexico and Canada go into effect, the cost of a new car could rise by nearly $6,000. A Benchmark analysis estimates that these tariffs would push the average new car price above $54,500, a 12% increase compared to 2024.
The auto industry is among the most vulnerable to these tariff increases due to its heavy reliance on global supply chains. Benchmark found that:
- More than 22% of finished cars and 40% of auto parts imported into the U.S. come from Mexico and Canada.
- Tariffs on these imports will increase production costs, forcing automakers to raise prices.
- Consumers will ultimately bear the brunt of these added costs—not just in vehicle prices, but in higher insurance rates, registration fees, and financing costs.
What Drivers Can Expect in 2025
Between rising repair costs, climbing insurance rates, and looming auto tariffs, the cost of car ownership is headed even higher in 2025. Auto insurance rates are up 12% over the past year, and experts predict another 5% increase this year, with drivers in high-cost states facing the biggest hikes.
At the same time, tariffs on vehicles and auto parts could add thousands of dollars to the cost of new cars, leading to even steeper increases in insurance premiums. The combined impact of these factors means that car buyers and owners need to be more strategic than ever when shopping for a new vehicle or renewing their insurance policy.
💡 How can you save?
- Compare insurance quotes before purchasing a vehicle. Rates vary widely based on car model and state.
- Consider cars with lower repair costs and strong safety ratings to help keep insurance premiums down.
- Stay informed about the total cost of ownership before you buy.
At CarEdge, we provide free tools and expert insights to help you navigate rising car costs in 2025. From comparing insurance rates to finding the best car deals, we’re here to help you make smarter car-buying decisions.
👉 Lock in a Low Rate BEFORE Insurance Premiums Rise – Compare Offers in Minutes
Presidents’ Day 2025 Truck Deals – Best Discounts and Zero Percent Financing
Presidents’ Day weekend is shaping up to be a great time to buy a truck in 2025. With an oversupply of 2024 models lingering on dealer lots and automakers pushing aggressive financing incentives, truck buyers can take advantage of some of the biggest discounts we’ve seen in months. It’s almost like December’s clearance sales never ended. Whether you’re looking for a workhorse or a luxury-packed pickup, here are the best Presidents’ Day truck deals to take advantage of in February 2025.
Toyota Presidents’ Day Truck Deals
2025 Toyota Tacoma – Lease from $399/month with $0 Down
Best Offer: Lease from $399/month for 36 months with $0 due at signing (select markets only, check Toyota.com for availability). This offer expires on March 3, 2025.
The 2025 Toyota Tacoma is a popular midsize truck with legendary reliability. In fact, the Tacoma earned the #3 spot in our car reliability rankings. Although this zero-down truck deal is available in select markets, similarly compelling deals are available in other regions.
👉 Check out the best Toyota deals near you
GMC Presidents’ Day Truck Deals
2024 GMC Sierra 1500 – Lease from $389/month
Offer: Lease from $389/month for 24 months with $3,609 due at signing (for returning GM lessees). See offer details. This offer expires on March 3, 2025.
GMC’s full-size Sierra 1500 continues to be a top contender in the pickup segment. If you’re a current GM lessee, you can take advantage of one of the lowest monthly payments on a full-size truck this February.
👉 Check out the best GMC deals near you
Ram Presidents’ Day Truck Deals
2025 Ram 1500 – 4.9% APR + Up to $13,000 Cash Allowance
Offer: 4.9% APR for 72 months + up to $12,500 cash allowance for current FCA lessees on select V6 2025 Ram trucks. See offer details. This offer expires on March 3, 2025.
For truck buyers looking for big savings, Ram’s cash allowance is one of the best incentives available this Presidents’ Day. Current lessees of FCA vehicles can get up to $12,500 in savings, making it one of the strongest deals on a 2025 model.
👉 Check out the best Ram deals near you
Chevrolet Presidents’ Day Truck Deals
2024 Chevrolet Silverado EV – 0% APR for 60 Months
Offer: 0% APR financing for 60 months on the 2024 Chevy Silverado EV. See offer details. This offer expires on March 3, 2025.
With up to 440 miles of all-electric range, the 2024 Chevrolet Silverado EV is one of the longest-range electric trucks on the market. Chevy is offering zero-percent financing for 60 months, making this one of the best deals available for anyone looking to make the switch to an EV pickup. If you can charge at home overnight, this is a fantastic deal.
👉 Check out the best Chevrolet deals near you
Ford Presidents’ Day Truck Deals
2024 Ford F-150 – 3.9% APR + Bonus Cash
Offer: 3.9% APR for 60 months + $3,350 bonus cash. The F-150 Lightning is available with 0% APR for 72 months and includes a free home charger with installation. See offer details. This offer expires on March 3, 2025.
Ford has 73,000 2024 F-150s left to sell, so it’s no wonder that they’re offering serious incentives in February. Buyers can get low financing rates on the gas-powered F-150, while those going electric can take advantage of zero-percent financing and a free home charger with installation for the F-150 Lightning.
👉 Check out the best Ford deals near you
Lock in Presidents’ Day Truck Deals with CarEdge
February 2025 is a great time to buy a truck, with manufacturers offering deep discounts on pickups. Whether you’re interested in a low-payment lease, zero-percent financing, or massive cash discounts, these Presidents’ Day truck deals are worth considering before they expire in early March.
The key to maximizing your savings is shopping smart and negotiating with confidence. At CarEdge, we offer free and premium tools to help you get the best possible deal on your next truck purchase:
✅ CarEdge Car Buying Guide – Check local inventory levels, see dealer invoice pricing, and find the most negotiable trucks in your area.
✅ CarEdge Car Buying Service – Have an expert negotiate the deal for you, securing the lowest price and best financing terms. Home delivery is available.
The Cheapest States to Buy a Car in 2026 – Taxes, Fees, and More
Buying a car in 2026? Your location can have a big impact on how much you’ll pay. From state sales taxes to registration fees, the cost of a new or used car can vary by thousands of dollars depending on where you buy. So, where can you find the best deals this year? We’ve analyzed nationwide data to identify the cheapest states to buy a car in 2026. Whether you’re looking for a brand-new ride or a used car, knowing where to shop can help you save big on your next vehicle. Here’s where in America you’re most likely to drive home a great deal.
First, a Quick Look at Nationwide Price Trends
Nationwide, the average new car transaction price in 2026 is $50,000. However, that number only tells part of the story. The actual cost of a new car varies widely from one state to the next due to differences in sales tax, registration fees, and dealer charges.
By calculating the total out-the-door price for the average new car across all 50 states, we’ve pinpointed where car buyers will save the most – and where they’ll pay the highest prices. But first, an important note: When buying a car out of state, the sales tax you owe is based on where you register the vehicle, not where you buy it. Always check with your local DMV to confirm the exact process and avoid unexpected costs.
The 5 Cheapest States to Buy a Car in 2026
If you’re looking to save thousands of dollars on your next vehicle, your best bet is to shop in one of these five states.
1. Oregon Is the Cheapest State to Buy a Car
Why It’s the Cheapest: No state sales tax, low registration fees
Total Additional Costs: $500–$700
🚗 Average Savings vs. Most Expensive States: $3,500+
Oregon is the absolute cheapest state to buy a car in 2026, thanks to its lack of a statewide sales tax and low registration fees. On top of that, dealership documentation fees (Doc Fees) are lower than the national average.
2. New Hampshire
Why It’s Affordable: No state sales tax
Total Additional Costs: $650–$850
🚗 Average Savings vs. Most Expensive States: $3,000–$3,500
New Hampshire also has no state sales tax, keeping vehicle prices lower than in most other states. While registration fees in New Hampshire are slightly higher than in Oregon, the savings on sales tax still make it one of the most affordable places to buy a car.
3. Montana
Why It’s Affordable: No state sales tax, low registration costs
Total Additional Costs: $500–$750
🚗 Average Savings vs. Most Expensive States: $3,000+
Montana has long been a go-to state for those looking to buy a car while avoiding extra fees. With no state sales tax and relatively low registration fees, Montana remains one of the cheapest states to purchase a vehicle in 2026.
4. Alaska
Why It’s a Great Deal: No state sales tax, reasonable fees
Total Additional Costs: $650–$900
🚗 Average Savings vs. Most Expensive States: $2,000+
Alaska rounds out the top five with zero state sales tax and lower-than-average Doc Fees, making it one of the best states for keeping out-the-door costs low.
5. Delaware
Why It’s a Great Deal: No state sales tax, low fees
Total Additional Costs: $700–$2,200*
🚗 Average Savings vs. Most Expensive States: $2,000+
Delaware is another no-sales-tax state, meaning buyers can avoid a hefty extra charge when purchasing a new or used vehicle. However, Delaware charges a Doc Fee that is 4.25% of the vehicle’s value, which in practice in similar to a sales tax. Still, Delaware is one of the cheapest states to purchase a car in 2026.
The Complete Rankings
Looking for your state? We’ve crunched the numbers for all 50 states, using the state sales tax rates, vehicle registration fees, and average Doc Fees to calculate the out-the-door price in each U.S. state. Feel free to sort the data by any of the variables to see how your state stacks up.
| State | Cheapest States to Buy a Car | State Sales Tax | Average Doc Fee | Registration Fees | Average New Car Price (w/ tax and fees) |
|---|---|---|---|---|---|
| Oregon | 1 | 0.00% | $250 | $169 | $50,159 |
| New Hampshire | 2 | 0.00% | $375 | $51 | $50,166 |
| Delaware | 5 | 0.00% | $2,114* | $45 | $51,910 |
| Montana | 3 | 0.00% | $299 | $237 | $50,276 |
| Alaska | 4 | 0.00% | $299 | $245 | $50,284 |
| New York | 6 | 4.00% | $175 | $146 | $52,040 |
| South Dakota | 7 | 4.20% | $200 | $122 | $52,140 |
| Hawaii | 8 | 4.00% | $395 | $78 | $52,192 |
| Georgia | 9 | 4.00% | $599 | $20 | $52,338 |
| Missouri | 10 | 4.23% | $565 | $57 | $52,455 |
| Colorado | 11 | 2.90% | $699 | $595 | $52,469 |
| New Mexico | 12 | 4.88% | $339 | $60 | $52,553 |
| Wisconsin | 13 | 5.00% | $299 | $85 | $52,598 |
| Alabama | 14 | 4.00% | $489 | $393 | $52,601 |
| North Dakota | 15 | 5.00% | $299 | $123 | $52,636 |
| Oklahoma | 16 | 4.50% | $599 | $100 | $52,665 |
| Louisiana | 17 | 5.00% | $425 | $64 | $52,703 |
| Wyoming | 18 | 4.00% | $500 | $616 | $52,835 |
| Nebraska | 19 | 5.50% | $299 | $83 | $52,843 |
| Ohio | 20 | 5.75% | $250 | $31 | $52,866 |
| Vermont | 21 | 6.00% | $200 | $78 | $52,986 |
| Maine | 22 | 5.50% | $499 | $40 | $53,000 |
| West Virginia | 23 | 6.00% | $250 | $52 | $53,010 |
| Texas | 24 | 6.25% | $150 | $74 | $53,056 |
| Michigan | 25 | 6.00% | $260 | $128 | $53,096 |
| Arkansas | 26 | 6.50% | $129 | $28 | $53,113 |
| Utah | 27 | 6.10% | $299 | $57 | $53,114 |
| South Carolina | 28 | 6.00% | $400 | $40 | $53,148 |
| North Carolina | 29 | 4.75% | $699 | $370 | $53,159 |
| Kentucky | 30 | 6.00% | $450 | $26 | $53,184 |
| Pennsylvania | 31 | 6.00% | $449 | $39 | $53,196 |
| Virginia | 32 | 5.30% | $799 | $36 | $53,197 |
| Iowa | 33 | 6.00% | $180 | $333 | $53,221 |
| Washington | 34 | 6.50% | $199 | $73 | $53,228 |
| Idaho | 35 | 6.00% | $399 | $126 | $53,233 |
| Illinois | 36 | 6.25% | $347 | $151 | $53,330 |
| Minnesota | 37 | 6.88% | $125 | $69 | $53,338 |
| Massachusetts | 38 | 6.25% | $459 | $60 | $53,351 |
| Maryland | 39 | 6.00% | $499 | $187 | $53,394 |
| Indiana | 40 | 7.00% | $199 | $38 | $53,440 |
| Kansas | 41 | 6.50% | $499 | $80 | $53,535 |
| Arizona | 42 | 5.60% | $499 | $564 | $53,573 |
| Rhode Island | 43 | 7.00% | $399 | $58 | $53,660 |
| Connecticut | 44 | 6.35% | $599 | $180 | $53,660 |
| Nevada | 45 | 6.85% | $499 | $49 | $53,677 |
| Tennessee | 46 | 7.00% | $499 | $29 | $53,731 |
| California | 47 | 7.25% | $85 | $524 | $53,936 |
| New Jersey | 48 | 6.63% | $695 | $271 | $53,986 |
| Florida | 49 | 6.00% | $999 | $297 | $54,004 |
| Mississippi | 50 | 7.00% | $425 | $719 | $54,347 |
How to Save on Your Next Car Purchase
Whether you’re shopping for a new or used car in 2026, here are some smart ways to save:
- Compare prices in multiple states: If you live near a state with lower prices, buying there could be a no-brainer.
- You’ll pay sales tax to your home state: In most cases, you’ll be required to pay sales tax to the state you live in, even if you buy out of state. But don’t worry, you won’t be double-taxed. The dealership will handle all the paperwork for you.
- Negotiate fees: Some dealership fees can be negotiated, like Doc Fees in states with no cap.
- Consider leftover 2024 models: Dealers are eager to move last year’s inventory, which means big discounts.
- Use CarEdge Pro: Track real-time car price trends and get the best deal possible.
Stay Ahead of the Car Market in 2026
Buying a car this year? Knowing where to shop could save you thousands. Before heading to the dealership, make sure you’ve done your research and know what to expect. Stay on top of the latest car market trends, incentives, and deals with the free CarEdge Research Hub. Compare total cost of ownership, explore today’s best offers, and make the smartest car-buying decisions.
The Best Presidents’ Day 2025 Lease Deals: Offers from $199/Month
Looking for the best lease deals this February? You’re in luck. Presidents’ Day 2025 is shaping up to be one of the best times to lease a new car, with low monthly payments, zero-down offers, and attractive incentives from top automakers.
With new car prices still near record highs, leasing is a great way to avoid the hidden costs of depreciation while keeping your monthly costs lower. In February, automakers are rolling out limited-time lease specials on some of the most popular SUVs, trucks, and sedans. Whether you’re interested in zero percent APR leases, cash discounts, or low down payment options, here are the best Presidents’ Day lease deals in 2025.
Note that manufacturer lease incentives exclude taxes and fees. Not all dealers participate.
Buick – Amazing Lease Offers For Current Lessees
General Motors is rolling out its best Presidents’ Day lease deals for the Buick brand. Here’s a look at the best offers in February. Note that to qualify for the best terms, most of these incentives require that you’re a current lessee of a GM vehicle.
2025 Buick Encore GX AWD Preferred – Lease from $343/month for 36 months with $0 due at signing (This zero-down lease deal is available to current lessees of 2020 or newer select GM models. See details at Buick.com.)
2025 Buick Envista AWD Preferred – Lease from $199/month for 24 months with $4,040 due at signing for eligible current lessees. See details at Buick.com.
2024 Buick Envision AWD Sport Touring – Lease from $319/month for 24 months with $4,019 due at signing for eligible current lessees. This lease deal is available to current lessees of 2020 or newer select GM models. See details at Buick.com.
Ford – Cheap Leases Across the Lineup
Ford is rolling out some of the best lease deals this Presidents’ Day, with attractive offers across its lineup of trucks and SUVs. Whether you’re eyeing an EV, SUV, or a durable work truck, Ford’s February incentives offer serious savings. Here are the best Ford lease deals right now:
2024 Ford Bronco 4×4 Big Bend 4×4 – Lease from $499/month for 36 months with just $999 due at signing. See details at Ford.com.
2024 F-150 Lightning – Lease from $566/month for 36 months with just $566 due at signing. See details at Ford.com.
2025 Ford Mustang Mach-E Select – Lease from $336/month for 39 months with $4,185 due at signing. See details at Ford.com.
2024 Ford F-150 STX 4×4 – Lease from $389/month for 36 months with $5,547 due at signing. See details at Ford.com.
GMC – Great Lease Offers for Returning Lessees
GMC is offering some of the best lease deals this Presidents’ Day, particularly for returning GM lessees. If you currently lease a GM model, you’ll find low-payment options on popular GMC trucks and SUVs.
2024 GMC Sierra 1500 – Lease from $389/month for 24 months with $3,609 due at signing (for returning GM lessees). See details at GMC.com.
2024 GMC Terrain – Lease from $370/month for 39 months with $0 due at signing (for returning GM lessees). See details at GMC.com.
Mazda – Low Monthly Payments on Popular SUVs
Mazda’s stylish SUVs are available with affordable lease deals this February. While some offers require more cash upfront, these lease terms are among the lowest-priced options available this Presidents’ Day.
2025 Mazda CX-30 – Lease from $199/month for 33 months with $4,449 due at signing. See details at MazdaUSA.com.
2025 Mazda CX-5 – Lease from $229/month for 36 months with $5,099 due at signing. See details at MazdaUSA.com.
2025 Mazda CX-90 – Lease from $349/month for 36 months with $4,889 due at signing. See details at MazdaUSA.com.
Toyota – Zero-Down Lease Deals on Top Models
Toyota’s best-selling SUVs, trucks, and hybrids are available with low monthly lease payments, including some rare zero-down lease offers in select markets.
2025 Toyota Tacoma – Lease from $399/month for 36 months with $0 due at signing (select markets only, check Toyota.com for availability).
2025 Toyota Prius – Lease from $389/month for 36 months with $0 due at signing. See details at Toyota.com.
2025 Toyota RAV4 – Lease from $349/month for 36 months with $3,999 due at signing. See details at Toyota.com.
2025 Toyota Camry – Lease from $269/month for 36 months with $3,999 due at signing. See details at Toyota.com.
See the BEST Offers Near You (Free Tool)
With huge lease incentives from Buick, Ford, GMC, Mazda, and Toyota, Presidents’ Day 2025 is one of the best times to lock in a low monthly payment on a new car, truck, or SUV. Be sure to compare offers in your area, as some of the best Presidents’ Day lease deals are available in select markets!
Presidents’ Day 2025 Car Deals – Zero Percent Financing & Big Savings
As Presidents’ Day 2025 approaches, you may be wondering if now is the right time to purchase a new vehicle. While year-end sales typically offer the biggest discounts, this year is shaping up differently. A lingering oversupply of 2024 models has pushed automakers to extend aggressive financing offers into February 2025. This means that Presidents’ Day car deals are some of the best we’ve seen in months – but only if you know where to look.
If you’re considering buying a new car in 2025, these top Presidents’ Day offers could help you score a great deal. Let’s dive in!
Acura Presidents’ Day Deals
Seemingly out of nowhere, Honda and Acura have burst into the EV market with great success. Honda’s Prologue is one of the best-selling electric vehicles in America right now, and Acura’s ZDX is just as great, only a lot more luxurious. Right now, finance the 2024 Acura ZDX with 0% APR financing for 72 months.
🚗 Check out the best Acura deals in your area
Ford Presidents’ Day Deals
Noticing a trend? Another top deal this Presidents’ Day is the Ford Mustang Mach-E. Also a top-seller, Ford’s sporty electric SUV is good for over 300 miles of range, and up to 480 horsepower. In February, Ford is offering 0% APR financing for 72 months on remaining 2024 Mustang Mach-Es. The 2024 F-150 Lightning also qualifies for this zero percent financing offer.
🚗 Check out the best Ford deals in your area
Honda Presidents’ Day Deals
The best Honda Presidents’ Day sale is without a doubt the Honda Prologue, which features 0% APR financing for 72 months on remaining 2024s. But the deals don’t end there. The Honda Passport offers 1.9% APR for 60 months, and the Honda Accord is available with 2.9% APR financing for 60 months right now.
Considering these are some of the best-selling cars in America, these are excellent opportunities for savings.
🚗 Check out the best Honda deals in your area
Jeep Presidents’ Day Deals
In February 2025, Jeep has 47,000 leftover 2024s to sell. That’s a recipe for great deals and high negotiability. The best Presidents’ Day Jeep specials feature zero percent financing and big cash discounts. Right now, both the 2024 Jeep Grand Cherokee 4xe and 2024 Jeep Wrangler 4xe offer 0% APR for 72 months.
Other Jeep models like the non-hybrid Grand Cherokee, Compass, and Gladiator are advertised with 0% APR for 36 months in February.
🚗 Check out the best Jeep deals in your area
Nissan Presidents’ Day Deals
Two popular Nissan models are available with 0% APR financing for 60 months in February 2025. Both the Nissan Titan pickup truck and Nissan Rogue qualify for this incentive. If you’re considering going electric, the Nissan Ariya extends the zero percent financing offer out to 72 months.
🚗 Check out the best Nissan deals in your area
Lock in Presidents’ Day Car Deals Today
Presidents’ Day 2025 is shaping up to be one of the best times to buy a new car, thanks to aggressive 0% APR financing offers on leftover 2024 models. Automakers like Acura, Ford, Honda, Jeep, and Nissan are rolling out deep discounts, making February a prime opportunity to secure a low monthly payment or avoid interest charges altogether.
Whether you’re looking for a fuel-efficient sedan, a capable SUV, or an electric vehicle, the key to maximizing savings is negotiating smart and acting fast. We offer dozens of free resources to help you master the art of car buying with confidence.
💡 Looking for premium car buying tools? Use CarEdge Pro to check local inventory levels, see dealer invoice pricing, and find the most negotiable cars and trucks near you. Ready to have a pro get you the best deal? CarEdge’s Car Buying Service takes care of everything – from negotiating pricing to securing financing – so you can drive away with confidence.
