In December 2025, the automotive market presents an array of enticing financing offers for new car buyers. Loan durations are now frequently extending beyond traditional 36 to 48 months, with 60 and 72-month terms becoming standard, often coupled with interest rates as low as 2 percent or less. This period sees numerous manufacturers, including Mazda, Ford, Lucid, BMW, Rivian, Infiniti, Dodge, and Toyota, rolling out aggressive financing specials. Many of these deals also incorporate substantial rebates, potentially reducing the purchase price by thousands of dollars, making it an opportune time for consumers to acquire a new vehicle with favorable financial terms.
Understanding the intricacies of these financing options is crucial for making an informed decision. Before stepping into a dealership, prospective buyers are encouraged to consult comprehensive guides on auto loans and financing. These resources cover essential topics such as application processes, trade-ins, and average interest rates based on credit scores. Utilizing online finance calculators can also help estimate costs and compare different manufacturer loan terms, ensuring buyers are well-prepared to navigate the purchasing process and secure the best possible deal for their next car.
December's Top Financing Offers on Popular Models
This December, car enthusiasts and prospective buyers can take advantage of a variety of attractive financing promotions across several leading automotive brands. Mazda is offering competitive rates on its popular CX-5, CX-50, and 3 Hatchback models, with special incentives on specific CX-5 trims. Ford is providing exceptional deals on its Transit commercial vans, including zero percent APR and significant rebates, highlighting a rare opportunity for businesses. Luxury and electric vehicle markets are also seeing strong offers, with Lucid extending low APRs and substantial price reductions on its Air models, and Rivian making its R1S and R1T electric trucks more accessible with favorable financing terms. BMW is not to be outdone, presenting a wide range of models, including the X3, X7, and M8, with low interest rates and generous loyalty credits.
Specifically, Mazda's CX-5 comes with a 0.9% APR for 60 months, alongside rebates of $750 for Carbon Edition trims and $1250 for Premium Plus trims. The CX-50 (non-hybrid) and 3 Hatchback also qualify for the 0.9% rate. For those opting for external financing or higher rates, Mazda offers cash incentives: $1000 off the CX-50 and $2000 off the CX-5 and 3 Hatchback. Ford's 2025 Transit offers an impressive 0% APR for 60 months, with no down payment for 90 days and a $4000 rebate, applicable to all trims. Lucid's 2026 Air models boast a 0.99% APR for 72 months, or rebates ranging from $12,500 to $19,000, depending on the trim, along with additional incentives for local inventory purchases or competitive trade-ins. Rivian's 2025-2026 R1S and R1T in the Tri Max trim are available at 0.99% APR for 60 months. BMW's diverse lineup, including the 2026 X3, X7, iX, i5, i7, 2-Series Gran Coupe, 5-Series, 8-Series, and M8, features APRs from 0.9% to 1.99% for 60-72 months, with rebates between $1000 and $13,500, with the M8 and i7 offering the highest savings. Infiniti's 2026 QX60 and QX80 Sport models offer 0.9% to 1.9% APR for 60 months or rebates from $6000 to $9000. Finally, the 2025 Dodge Charger Daytona EV (R/T and Scat Pack trims) is available with 0% APR for 72 months and a choice between 90-day deferred payments or a $7750 rebate. Toyota's 2025 Tundra Hybrid offers 0.99% APR for 72 months and a $3000 rebate on iForce Max trims, excluding the TRD Pro, providing a strong option for truck buyer
