Manufacturer incentives, particularly for electric vehicles (EVs), are driving the most significant savings this month. High-discount models often sell for 5% to 9% below their sticker price . : 2026 Hyundai Ioniq 9 : $10,000 cash back . 2026 Chevrolet Equinox EV : $8,750 cash back . 2026 Honda Prologue : $8,000 cash back . 2026 BMW i7 : $7,500 cash back . Best Financing Deals :

: Treat your trade-in as a completely separate transaction. Get independent quotes from CarMax or Carvana to use as a baseline for the dealer's offer .

: Put 20% down, finance for 3 years or less, and keep monthly payments under 8% of your gross income .