The 15 Best New Car Deals in Q1 2027
New-car prices are still high, with the average transaction price climbing past $49,000 in 2026, so timing your purchase matters more than ever. Shoppers who buy when automakers are most motivated can save thousands over the sticker price, either through cash back, low-interest financing, or discounted leases.
The first quarter is that motivated season. Sales traditionally slow after the holidays, 2027 models are arriving on lots, and automakers want older inventory gone. Many of the best offers appear on the outgoing model year, which means you get a brand-new car with the same warranty at a meaningful discount.
One important note before we start: automakers publish incentives month by month, and Q1 2027 offers have not been announced yet. This list is built from the deals running in October 2026 on models that are being cleared out, which is the best predictor of where Q1 discounts will land. Treat it as a shortlist to verify, not a guarantee.
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Visit our WebsiteWhy Q1 Is a Great Time to Buy New
| Factor | Why It Helps You |
|---|---|
| Model-year changeover | Dealers want to clear remaining 2026 models as redesigned and refreshed 2027s arrive |
| Post-holiday sales slump | Foot traffic drops after December, so dealers negotiate harder to move cars |
| Quarterly and monthly targets | Automakers and dealer groups push volume at the end of each month and quarter, especially late March |
| Tax-refund season | Demand starts to rise in February and March, so shopping early in January often gets the best leverage |
| EV pricing pressure | With the federal EV tax credit gone, brands are using cash back and 0% APR to keep EVs moving |
How We Built This List
We looked at the finance, cash, and lease offers published by major deal trackers in October 2026 and focused on models where automakers are clearly trying to clear inventory: 0% APR terms of 60 months or longer, large cash-back offers, or outgoing models about to be replaced by a 2027 redesign. We weighted overall value, meaning how much you actually save, not just how low the headline rate is.
Longest 0% APR Terms at a Glance
Based on manufacturer offers reported by deal trackers in October 2026. Terms and eligibility vary by trim, region, and buyer credit, and may change before Q1 2027.
Deals 1–7: EVs and Electrified Models
EVs are where automakers are discounting hardest, since sales cooled after the federal tax credit expired. If you have home charging, these are the deals to watch.
| # | Model | Offer Seen (Oct 2026) | Why It's on the List |
|---|---|---|---|
| 1 | Kia Niro EV TOP DEAL | 0% APR for 72 months plus $3,500 cash, or up to $10,000 cash back | Rated among the best finance deals of the month by multiple trackers |
| 2 | Kia EV9 | 0%–0.9% APR for 60–72 months, plus cash back on some offers | Three-row electric SUV with some of the biggest savings in its class |
| 3 | Subaru Uncharted | 0% APR for 72 months | All-new EV with up to about 308 miles of range and a long interest-free term |
| 4 | Subaru Trailseeker | 0% APR for 72 months | Rugged electric wagon-style SUV with the same long 0% term |
| 5 | Subaru Solterra | 0% APR financing | Established EV with a strong low-interest offer on all trims |
| 6 | Honda Prologue | 0.99% APR financing | Comfortable family EV with a near-zero rate |
| 7 | Toyota bZ | About 1.5%–2% APR, with cash back on some offers | Low rates plus cash incentives bring down total cost |
Deals 8–12: SUVs and Crossovers
| # | Model | Offer Seen (Oct 2026) | Why It's on the List |
|---|---|---|---|
| 8 | Hyundai Tucson | 0% APR for up to 60 months | Popular compact SUV, with a starting price near $31,000 |
| 9 | Hyundai Santa Fe | 0% APR for up to 60 months | Roomy midsize SUV with hybrid options |
| 10 | Kia Sorento family | 0% APR for 48 months on gas, hybrid, and plug-in hybrid | Rare deal that covers every powertrain in the lineup |
| 11 | Nissan Rogue | 0% APR for 60 months | Best-selling compact crossover with a starting price around $31,000 |
| 12 | Mazda CX-70 / CX-90 PHEV | CX-70 PHEV at 0% APR for 72 months; CX-90 PHEV lease deals around $389 a month | Premium-feeling plug-in hybrids at near-mainstream cost |
If you are weighing all-wheel drive on a crossover like the Tucson or Rogue, our explainer on what AWD actually does and when it helps will help you decide whether the extra cost is worth it. Also note that many compact crossovers use a CVT, so see the difference between a CVT and a traditional automatic before you commit.
Deals 13–15: Pickup Trucks
| # | Model | Offer Seen (Oct 2026) | Why It's on the List |
|---|---|---|---|
| 13 | Chevrolet Silverado 1500 | 0% APR for 60 months | A redesigned 2027 model is arriving, so remaining 2026 trucks are being cleared; one tracker estimated savings over $7,000 versus typical financing |
| 14 | GMC Sierra 1500 | 0% APR for 60 months | Same story: a redesigned 2027 Sierra is on the way, so 2026 trucks carry incentives |
| 15 | Nissan Frontier | 0% APR for 60 months | Affordable midsize truck with recent redesign and a strong financing offer |
APR vs. Cash Back: How to Compare Deals
A 0% APR offer looks unbeatable, but it can mean giving up cash back. Often you must choose one or the other. Here is an illustrative example on a $35,000 loan:
| Scenario | Monthly Payment | Total Interest Paid |
|---|---|---|
| 0% APR, 72 months | About $486 | $0 |
| 6.5% APR, 72 months (typical bank loan) | About $588 | About $7,360 |
| 6.5% APR, 60 months | About $685 | About $6,090 |
| 9% APR, 72 months | About $631 | About $10,420 |
Illustrative calculations for a $35,000 loan; your actual rate depends on credit, lender, and term.
- If cash back is large (for example $5,000 or more), take the cash and finance with a credit union, then compare total cost.
- If cash back is small, the 0% APR is almost always the better deal, especially at longer terms.
- Check eligibility. The best rates usually require top-tier credit.
- Ask about the interest deduction. A federal deduction for interest on qualifying new, U.S.-assembled vehicle loans may apply to some buyers, so check with a tax professional.
8 Tips for Getting the Best Q1 Deal
- Shop in January for the most inventory and the most motivated dealers.
- Target the outgoing model year. Same warranty, lower price.
- Get pre-approved by a bank or credit union so you can compare against dealer financing.
- Negotiate the out-the-door price, not the monthly payment.
- Compare at least three dealers by email before visiting.
- Check manufacturer sites for the latest incentives, since they change on the first of each month.
- Skip unneeded add-ons like paint protection and extended warranties pushed in the finance office.
- Consider buying online. Our guide on how to buy a car online shows how to compare offers from home.
Also keep an open mind about brands you may have overlooked. Our article on why Chinese automakers are better than you think explains why global competition is pushing prices and features across the whole market.
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Visit our WebsiteFrequently Asked Questions
Yes. Sales slow after the holidays, dealers clear leftover prior-year inventory, and automakers keep incentives high to hit quarterly targets. January generally offers the best combination of selection and negotiating leverage.
If price matters most, the remaining 2026 models usually carry the biggest discounts and have the same type of warranty. If you want the latest design, features, or a redesign like the upcoming full-size trucks, choose the 2027 and expect smaller incentives.
It depends on the size of the cash offer and the rate you would otherwise get. On a $35,000 loan, 0% for 72 months saves roughly $7,000 compared with a 6.5% loan, so it often wins unless the cash rebate is very large. Always compare total cost.
Models being redesigned or replaced, and EVs that sold slower after the federal tax credit ended, tend to carry the biggest incentives. Examples this year include the Kia Niro EV, Subaru Uncharted and Trailseeker, and outgoing full-size trucks like the Chevrolet Silverado and GMC Sierra.
Not necessarily. Most of these offers were running in October 2026 and expire in early November. Automakers set new incentives each month, so check manufacturer websites or ask a dealer for the exact Q1 2027 terms before you buy.