Best New Car Finance Deals for July 2026

No one likes to admit their prices are too high, but they don't have to. The discounts do all the talking. This month, we've highlighted four- or five-figure cash discounts from Polestar, Ram, and Audi. We've also got deferred payments, low or zero interest, long terms—basically, everything that tilts in a buyer's favor.

For a lower monthly outlay, consider our roundup of the best July lease deals.

Check Our Auto Loans & Financing Guide

Make sure you first read our Auto Loans & Financing guide. We've covered everything that may get glossed over in the showroom: how to apply, trade-ins, average rates by credit score, and more. The Car and Driver Marketplace also has a finance calculator to help you estimate costs based on the manufacturer's loan terms.

2026 polestar 4 long range dual motor

Michael Simari|Car and Driver

Polestar 4

2026 Polestar 3 and 4

$23,000 or $25,000 rebate
$1000 or $4000 loyalty/conquest credit
0% APR for 60 months and $18,000 rebate (Polestar 4)

Shop for a new Polestar

And just like that, Polestar has to pack up its tent and go home, just as it was rolling out its third and fourth models. Regardless of where you stand on politics, Polestar executives should have read the room years ago—when U.S. policies against China were mounting, before they separated from Volvo to become public and majority-owned by Geely. It's a bummer for them, but, well, that's why a new Polestar 4 is now priced below a Chevy Bolt. In addition to a $23,000 discount, Polestar 3 buyers can get either a $2000 conquest credit or a $4000 loyalty credit. The Polestar 4 gets a $25,000 discount, but is eligible only for a $1000 loyalty credit. Or, in what may be the best deal on a Polestar 4, the company offers zero-percent interest for five years with an $18,000 discount.

2025 mazda cx70 turbo s

Michael Simari|Car and Driver

Mazda CX-70 Turbo S Premium

All 2026 Mazda models except the Miata

0% or 0.9% APR for 60 months
No payments for 90 days
Or $1000–$5000 rebate

Shop for a new Mazda

Every 2026 Mazda with four doors is available for zero (or close to zero) interest for five years and deferred payments for 90 days. Twin-turbo versions of the CX-70 and CX-90 get the 0.9-percent rate, while the Miata's 4.9 percent proudly shouts, "I don't need any help!" (But even the Miata comes with the 90-day deferment.) Cash rebates ranging between $1000 and $5000 are available to buyers who do not finance at the special rates, but free borrowed money is not something we'd pass up.

2025 mini cooper s hardtop 2 door

Marc Urbano|Car and Driver

Mini Cooper S Hardtop

2026 Mini Cooper and Countryman

1.9% or 0.9% APR for 48 months
$1500 loyalty rebate

Shop for a new Mini

This July, Mini is offering 1.99 percent interest for four years on all Cooper models except the JCW hardtop. That applies to two-door hardtops, convertibles, and four-door hardtops in any trim (except for special editions like the Paul Smith). The 0.9-percent deal is only for the Countryman S, but oddly not for the electric Countryman SE, which commands 2.99 percent. Mini owners can knock off another $1500 from any 2026 or 2027 Mini except the Oxford Edition trims.

white suv parked among tall redwood trees in a forest.

Mitsubishi

2026 Mitsubishi Outlander

0% APR for 72 months
$500 rebate
Or $3000–$4500 rebate

Shop for a new Mitsubishi

How does paying off a Mitsubishi for six years with no interest sound to you? As the only three-row compact SUV on sale, the Outlander is a unique proposition and manages to be nicer inside than the Nissan Rogue on which it's based. This deal is only for the Trail Edition, which is kind of rad with blacked-out lights, hood decals, and mud flaps. It's a loaded-up trim with a Yamaha stereo, a panoramic sunroof, and a lot more. Other trims finance at 3.99 percent (or 4.99 percent for the Outlander Hybrid). The $500 rebate applies to the Trail Edition in select states; the larger rebates are only for select trims if you don't go for the special APR.

2025 ram 1500 big horn

Andi Hedrick|Car and Driver

Ram 1500 Big Horn Crew Cab

2026 Ram 1500

12 percent to 15 percent discount off MSRP
Or 0% APR for 36–60 months
And no payments for 90 days
Or $2000–$5500 rebate

Shop for a new Ram

Ram's playing hardball with the 1500. Take 12 percent off the sticker of the Big Horn and Laramie 4x4 trims with the crew cab and short bed, and 15 percent off any Limited (which adds no payments for 90 days). Every other Ram 1500 except the RHO and Laramie in the crew cab/short bed configuration gets zero-percent financing for three years (five years on the Laramie) with deferred payments. Returning Stellantis lessees can finance without those terms for $5500 off the MSRP (or $2000 on the Tungsten), but to us, choosing a zero-interest loan is a no-brainer.

2026 land rover range rover sport hybrid

Marc Urbano|Car and Driver

Land Rover Range Rover Sport Hybrid

2026 Land Rover Discovery, Range Rover Evoque, Range Rover Sport, Range Rover Velar

1.9% APR for 60 months
$1500–$2000 conquest rebate

Shop for a new Land Rover

Rarely do we post Land Rover deals, because there are usually none that qualify as actual deals. But this July, Land Rover is offering 1.9 percent financing across every Range Rover model except Queen Elizabeth's personal favorite, the big Rangie, along with the Discovery. Additional conquest rebates are available to current owners of specific late-model competitor vehicles. All of which makes it a smashing good time to be riding high in a Range Rover on the way to the private school pickup lane.

2024 chevrolet trax activ

Marc Urbano|Car and Driver

Chevrolet Trax Activ

2026 Chevrolet Equinox, Silverado 1500, and Trax

0% APR for 60 months
No monthly payments for 90 days

Shop for a new Chevrolet

Chevrolet has revived the "Heartbeat of America" tagline and the VHS-era logo the company used to advertise on tube TVs. Instead of a new Beretta or a Lumina, that beat is pulsing through the Equinox, Silverado 1500, and our 10Best-winning Trax with no interest for five years and no payments for 90 days. Could we also get a Corvette Grand Sport on the eligibility list, perhaps with no interest for just one year?

2026 audi a6

Audi

Audi A6

Most 2026 Audi gas models

$750–$6000 rebate
$750–$2000 loyalty rebate

Shop for a new Audi

Audi, being a German automaker, would never publicly admit when it's struggling. But with U.S. sales down 30 percent in the first quarter alone, that explains the rash of deals across the majority of the brand's most popular vehicles. While EVs are excluded, the rebates take thousands off Audi's bread-and-butter models—$2500 off a Q5 or A5, $4000 off an A6—and stretch to as high as $6000 off a Q7. If you're a current Audi owner, there's an additional credit of $750, $1500, or $2000, depending on the model.


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Headshot of Clifford Atiyeh

Clifford Atiyeh is an automotive industry analyst and a formally trained journalist with more than 20 years of published writing, photography, and video. He has reported for Car and Driver since 2012.