Best APR Deals on New Cars, May 2026
0% and low-APR financing from every major brand this month, ranked by value. Includes Memorial Day weekend programs valid through May 31.
May is one of my favorite months to point financing-minded buyers at. Memorial Day weekend is the spring's flagship sales event, and most manufacturers stack bonus cash or subsidized APR on top of regular programs through month-end. Below are the strongest APR programs on new vehicles I'm seeing right now. All are for well-qualified buyers (typically 720+ credit); rates for lower scores will be higher. Programs expire May 31 unless noted.
0% APR offers
| Brand | Model | Term | Notes |
|---|---|---|---|
| Dodge | Hornet | 0% / 48 mo | Plus $2,000 bonus cash option instead |
| Chevy | Trax | 0% / 60 mo | Best mainstream small-SUV deal this month |
| Chevy | Blazer | 0% / 36 mo | 48-mo at 1.9% also available |
| Buick | Encore GX | 0% / 48 mo | Slow seller; dealers motivated |
| Chrysler | Pacifica | 0% / 60 mo | Family minivan; strong through Memorial Day |
| Ford | Bronco Sport | 0% / 48 mo | Big Blue Oval push for May |
| Lincoln | Corsair | 0% / 36 mo | Luxury exception; rare 0% at this price |
| Hyundai | Elantra | 0% / 48 mo | Assembled in Georgia; tariff-neutral |
| Kia | Forte | 0% / 48 mo | Same caveat; assembled in Georgia |
Low-APR offers (under 2.9%)
| Brand | Model | Rate | Term |
|---|---|---|---|
| Toyota | Camry | 1.9% | 60 mo |
| Honda | CR-V | 2.9% | 60 mo |
| Subaru | Outback | 2.9% | 48 mo |
| Mazda | CX-5 | 1.9% | 60 mo |
| Nissan | Rogue | 2.9% | 72 mo |
| VW | Jetta | 1.9% | 60 mo |
How to use these numbers
A 0% deal beats cash back most of the time — but not always, and not for everyone. If your credit is below 700, you may not qualify for the captive lender's 0%, in which case compare the dealer rate to a bank or credit-union pre-approval before you walk in. My guide on how to finance a new car in 2026 walks through exactly that.
The Memorial Day window (May 23–26) is when dealers are most motivated. The programs themselves don't change, but the dealer's willingness to front additional discount does — that's the part you negotiate.
What's not on this list
Tariff-affected imports from Japan and Europe (Corolla Cross, BMW 3 Series, Audi A4) are seeing reduced manufacturer incentives this month, not increased ones. Automakers absorbed some of the April 3 tariff hit to protect transaction prices, which left less room for financing subsidies. If you're cross-shopping an import against a domestic build, the domestic's financing program will look significantly better right now — something I'd weigh heavily in May.
Deal details change frequently. Always confirm terms with the dealer before purchase.
From the Buying Guide
Negotiating with dealers
OTD pricing, the email-only playbook, and the four dealer-side tricks to expect.
Read more →OTD price calculator
Verify the real total on any quoted deal before you sign.
Read more →Leasing primer
Money factor, residual, MSDs — the math that decides whether the headline number is real.
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