Best New and Used Car Deals in the U.S. for 2025 with Low-Cost Financing
In 2025, buying a new or used car in the United States can be more accessible thanks to multiple promotions, special discounts, and available financing options, making it easier for many people to purchase a vehicle that suits their daily needs.
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Common Promotions for New Cars in 2025 with Affordable Financing
Memorial Day 2025 Discounts and Financing
For those looking for new cars, the Memorial Day holiday in May 2025 was a standout moment to take advantage of discounts and accessible financing in the U.S. Examples include:
Volkswagen Atlas 2025: The financing interest rate dropped to 2.9% for 60-month terms, compared to the previous 4.9%. On vehicles priced around $40,000, this can result in considerable savings. While some cash bonuses were removed, the interest rate reduction makes this an appealing choice for new three-row SUVs.
Jeep Grand Cherokee 2025: Starting May 1, this model combined Chrysler’s Employee Pricing program with additional rebates, totaling up to $3,400 off the MSRP. This applies to two- and three-row versions, with lease deals such as $429/month for 36 months in select locations. The promotion ran through June 2.
Chevy Silverado 2025: For the first time, offered 0% APR financing on all versions until June 2, along with up to $3,500 in additional discounts (trade-in bonuses and TurboMax models). A 0.9% rate for 60 months was also available to reduce monthly payments.
Ford F-150 Lightning 2024: This electric pickup offered 0% financing for up to 72 months plus Employee Pricing discounts, potentially over $3,000 depending on conditions. Many buyers may also qualify for a $7,500 federal tax credit, subject to government approval and individual tax status.
Ford Maverick 2025: Also available with Employee Pricing and fixed discounts, especially for the Hybrid Lariat trims. No other rebates were offered, making it a straightforward deal for buyers between April and June 2025.
Used Cars with Competitive Financing
HondaTrue Certified Dream Deal Program
One of the best opportunities in certified used cars was in May 2025, through the national financing program for 2020–2023 Honda CR-V models:
- Offers a 0.99% interest rate for 36 months, which can make financing a used CR-V cheaper than buying new (where the minimum rate is 2.99% for 36 months).
- For longer terms—48 or 60 months—rates range from 2.99% to 3.99%.
- This promotion was valid through June 30, 2025.
- Certified vehicles undergo rigorous inspections and come with extended warranties, making them a safer option with less risk of unexpected expenses.
End-of-Season Offers – Fourth of July 2025
The Fourth of July is another major holiday in the U.S. for car deals. Some 2025 offers included:
- Low-interest financing, including some 0% offers.
- Loyalty bonuses and discounts on models like the Infiniti QX60, Hyundai Santa Fe, Ford F-150 Lightning, and BMW X7.
- Leasing promotions with reduced monthly payments.
- It is recommended to check directly with local dealerships for availability and specific incentive conditions by region and model.
Online Tools to Find Car Deals and Financing
In addition to dealership promotions, using reputable digital platforms can help shoppers explore new and used inventory nationwide, compare prices, and contact sellers:
CarGurus is a well-known platform in the U.S. for buying both used and new cars, offering market-adjusted listings and reliable evaluations. Key features include:
- Filters to search by price, model, type, and location.
- Market value analysis to help avoid overpaying.
- Direct contact with dealers and private sellers.
- Positive ratings on review sites like Trustpilot.
Always check the specific financing conditions directly with dealerships or banks, as many online platforms do not include exact promotional financing details.
Tips for Finding Affordable Auto Financing in the U.S. (2025)
To get the best rates and deals, consider:
- Credit history: Lower interest rates are typically available to buyers with high credit scores (usually 700+). Improving credit before applying can help secure better terms.
- Loan term length: Shorter terms often come with lower interest rates, though higher monthly payments.
- Comparing financing options: Banks, credit unions, and dealership finance companies all offer different rates. Comparing multiple options helps find the most suitable one.
- Special programs and discounts: Some manufacturers offer fixed employee pricing or no-haggle deals.
- Tax incentives: For electric vehicles, some federal tax credits can lower the net cost, subject to approval.
- Certified Pre-Owned (CPO) vehicles: These offer a middle ground between cost and quality, often with preferential financing.
In 2025, the U.S. car market offers a variety of promotions to help buyers afford new and used vehicles with accessible financing. Key dates like Memorial Day and the Fourth of July feature standout discounts and rates. Trusted platforms like CarGurus can assist in exploring available options. It’s wise to compare financing offers and understand your credit profile to make informed decisions when buying a car.
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