The Best Auto Loan Rates Right Now (For a Limited Time)

October 4, 2022

Rates are changing, but deals can still be had when financing a new car. It’s getting more expensive to borrow money, so the lowest APR finance deals are likely to vanish in months to come. If you’re thinking of financing a new car, loan interest rates are on the rise. These are the best new car finance deals in December 2022. 

The Best Auto Loan Rates For New Cars (December 2022)

We’ve compiled every manufacturer’s financing incentives below, but these are the BEST loan deals with the LOWEST auto loan rates this month. 

  • Hyundai: Seven models are available with 0.9% APR for 48 months, including the Santa Fe, Tucson, Sonata, and more. This is as close as it gets to zero percent financing in November 2022!
  • Nissan: 2.69% APR for 36 months, including the Altima, LEAF, Versa and Kicks. The Altima is available for 2.19% APR.
  • Toyota: The Tacoma and Tundra are available with 2.99% APR for 60 months. The RAV4, Camry, Corolla and Highlander are at 3.49% APR for 48 months.

As you can see, gone are the days of zero percent financing. Let’s dive into every automaker’s financing offers for November.

Buick Financing Deals

Finance Buick SUVs (Encore, Envision, Enclave) at 3.99% APR for 72 months.

See details at buick.com

BMW Financing Deals

bmw financing rates

As interest rates rise further, BMW has removed advertised financing promos from bmwusa.com. BMW financing deals have been replaced with the generic “attractive finance offers available – contact dealer”.

Credit unions are a great avenue for finding the lowest auto loan rates. Learn more about financing with a credit union.

See BMW listings near you.

Cadillac Financing Deals

In December 2022, Cadillac has attractive financing offers.

3.79% APR for 60 months for the following Cadillac models:

  • XT4
  • XT5
  • XT6
  • CT4
  • CT5

See Cadillac listings near you.

Chevrolet Financing Deals

In December, Chevrolet has the following financing offers:

2.99% APR for 60 months for the

  • Chevrolet Equinox

4.29% APR for 60 months for the

  • Chevrolet Bolt EV
  • Malibu
  • Spark
  • Traverse
  • Blazer
  • Trailblazer
  • Trax

See Chevrolet listings near you.

Chrysler Financing Deals

In December 2022, Chrysler has one active financing offer:

  • No payments for 90 days

See Chrysler listings near you.

Dodge Financing Deals

In December 2022, November has one active financing offer:

  • No payments for 90 days on the Durango, Challenger, and Charger

See Dodge listings near you.

Ford Financing Deals

ford auto loan rates

In December, Ford has lower monthly payment estimates based on Ford Credit Financing special APR offers.

For example, the Ford Bronco Sport can be financed for as low as $459/month. Learn more at Ford.com.

Ford lease deals are attractive. Learn more about Ford lease deals here.  

See Ford listings near you.

Genesis Financing Deals

Genesis financing deals

2023 Genesis G80 (including electrified versions)

2.99% APR for 60 months

2023 Genesis GV70, GV80, G90

3.49% APR for 60 months

Expiration dates for these Genesis incentives are unclear. Check genesis.com for current information.

See Genesis listings near you.

GMC Financing Deals

In December 2022, GMC has a few financing offers:

  • 4.69% APR for 72 months for the GMC Sierra and Yukon. Learn more.

See GMC listings near you.

Honda Financing Deals

Honda financing deals

1.9% APR for 24 – 48 months

  • Honda Pilot

2.9% APR for 24 – 48 months

  • Accord
  • CR-V
  • Passport
  • Ridgeline

Learn more at honda.com

See Honda listings near you.

Hyundai Financing Deals

In December, Hyundai has a great financing deal at 0.9% APR for 48 months for the following models

  • Tucson
  • Santa Fe
  • Elantra
  • Kona
  • Sonata
  • Santa Cruz
  • Venue

See Hyundai listings near you.

Jeep Financing Deals

Make no payments for 90 days with the Cherokee, Grand Cherokee and Wrangler. There are no active Jeep APR deals, however Jeep lease deals are attractive. Learn more about active Jeep lease deals here

See Jeep listings near you.

Kia Financing Deals

kia financing deals

2.9% APR for 48 months

Select models qualify:

  • Kia Forte
  • Kia Sorento
  • Kia Soul

3.49% APR for 48 months

  • Kia Stinger

3.99% APR for 48 months

  • 2023 Kia K5
  • 2023 Kia Rio

4.0% APR for 48 months

  • Kia Sorento

See Kia listings near you.

Lexus Financing Deals

Right now, Lexus has the following financing deals:

2.99% APR for 48 months

  • Lexus RX
  • Lexus IS
  • Lexus LC 500

3.49% APR for 48 months

  • Lexus ES
  • Lexus GX

3.99% APR for 60 months

  • Lexus IS
  • Lexus RX
  • Lexus LC 500

See Lexus listings near you.

Lincoln Financing Deals

5.9% APR for up to 75 months

  • Lincoln Aviator
  • Lincoln Navigator
  • Lincoln Nautilus
  • Lincoln Corsair

See details at lincoln.com.

See Lincoln listings near you.

Mazda Financing Deals

In December, Mazda has great financing offers:

1.9% APR for 36 months

  • 2022 Mazda CX-9

2.49% APR for 36 months

  • Mazda 3 and 3 Hatchback
  • Mazda CX-30
  • Mazda CX-5
  • Mazda CX-9
  • Mazda CX-50

Mazda lease deals are attractive. Learn more about active Mazda lease deals here.

See Mazda listings near you.

Mercedes-Benz Financing Deals

mercedes financing deals 2022
The Mercedes-Benz EQS

This December, Mercedes-Benz does not have financing offers, but lease deals are attractive. See Mercedes lease offers.

See Mercedes-Benz listings near you.

MINI Financing Deals

MINI financing deals

3.99% for 60 months for the following MINI models:

  • Convertible
  • Hardtop
  • Countryman

See MINI listings near you.

Mitsubishi Financing Deals

Right now, there are no active Mitsubishi financing deals.

See Mitsubishi listings near you.

Nissan Financing Deals

This December, Nissan has the following financing deals:

2.19% APR for 36 months

  • Nissan Altima

2.69% APR for 36 months

  • Nissan Versa
  • Nissan Sentra
  • Nissan Maxima
  • Nissan LEAF
  • Nissan Kicks

Learn about Nissan lease deals here

See Nissan listings near you.

Polestar Financing Deals

Polestar has one active financing offer:

  • 4.49% APR for 60 months

See Polestar listings near you.

Ram Financing Deals

In December 2022, Ram has one active financing offer:

No payments for 90 days for the Ram 1500

See Ram listings near you.

Subaru Financing Deals

Subaru financing deals 2022

2.9% APR for 48 months for these models:

  • 2022 Ascent
  • 2023 BRZ
  • 2023 Crosstrek
  • 2022 Forester
  • 2023 Impreza
  • 2023 Legacy
  • 2023 Outback
  • 2023 Solterra (electric)
  • 2022 WRX

See Subaru listings near you.

Toyota Financing Deals

In December 2022, Toyota has these APR deals for well-qualified buyers:

2.99% APR for 60 months

  • Toyota Tacoma
  • Toyota Tundra

3.49% APR for 48 months

  • RAV4
  • Highlander
  • Corolla
  • Camry

Learn about Toyota lease deals here.

See Toyota listings near you.

Volkswagen Financing Deals

Volkswagen does not have any active financing offers, but these Volkswagen lease offers are worth taking a look at.

See Volkswagen listings near you.

Volvo Financing Deals

There are no active financing offers in December 2022. 

See Volvo listings near you.

Buying a Car Soon? Check Out These Other Resources

These are the 5 car brands you CAN negotiate right now!

Thinking about factory ordering? These are the latest wait times our community is reporting.

These are the most marked-up new cars in 2022

Looking for something else? Visit our blog, or consult 1:1 with a real YAA Auto Expert to get customized help with your car deal. It could save you thousands! 

Get the most when you sell your car.

Compare and choose multiple offers in minutes:

COVERAGE YOU CAN TRUST

YAA Extended Warranty

Peace of mind without the markup.
Flexible terms & pricing.
Coverage details

 

Discover the right insurance for you

Compare different providers with no spam phone calls:

Call us 855.786.1144

M-F: 8AM – 9PM EST
Sat: 10AM – 6PM EST

Save more with YAA+

YAA+ Membership pays for itself for all things auto.

Unlimited access to YAA car buying tools, our team of Auto Experts, savings on maintenance, and repairs, and more.

Join YAA+
Learn More

Join YAA for Free

Get instant access to members-only resources.

We'll email you updates
Or, we can text you
Hidden
Subscribe to receive:

Save Money & Time On All Things Auto

Join 180,000 other YAA members who are saving.

FREE Membership

100% FREE

Guides and tools for car buying, selling, and ownership

Includes:

  • Learn how to buy a car with leverage and confidence
  • Communicate with like-minded car buyers, owners, and sellers in one place
  • Get the latest money-saving tips on finance, insurance, repairs, and more

Learn more

YAA Membership

$59.99 one time

3 months access to YAA's auto experts to help you get the best deal

Everything in the Free Membership, and:

  • Live coach to review your car deal
  • Trade in your car using the real values car dealers use
  • Access unlimited market price reports to compare deals
  • Strike a conversation with dealers using pre-made email templates

Learn more

YAA+ Membership

$120 per year

Members-only discounts and savings for all things auto

Everything in the YAA Membership, and:

  • Live coach to help with selling, insuring, repairing, or general car questions
  • Exclusive 25% discounts on maintenance & repairs from big names like Pep Boys and Meineke to neighborhood shops
  • Schedule, read reviews, compare estimates and select from vetted service centers entirely online
  • Members-only discounts

Learn more

🎉 Popular

Auto insights. Right in your inbox.

We'll email you updates
Or, we can text you
Hidden
Subscribe to receive:

Get the latest trends and money-saving strategies, once a week.

We'll email you updates
Or, we can text you
Hidden
Subscribe to receive:

Related articles

Will Car Prices Drop in 2023?

Will Car Prices Drop in 2023?

The last six months of 2022 brought softening car prices after 18 months of gains. Used car prices are down 17% at the...

0 Comments

Submit a Comment

Your email address will not be published.

Share This