The best used car sales offer low-interest financing when choosing a factory-certified vehicle. These used car deals can sometimes feature lower interest rates than new cars. Although used car prices remain high across much of the U.S., we're finally starting to see prices decrease with CPO deals from top car brands.
We found used car financing rates starting at 1.99% APR in February 2024. Unlike regular used cars, certified vehicles are held to different standards and have a warranty for added peace of mind. In many cases, you may need to act fast since inventory remains very limited in many parts of the country.
Stay tuned for our special Presidents' Day deal coverage.
Acura Used Car Sales
Through February 29th, Acura is offering 2.99% APR for up to 36 months.
2019 to 2024 model year Acura Precision Certified TLX, RDX, and MDX models are eligible for the deal through Acura Financial Services.
Alternatively, there are 48 and 60-month financing deals at 4.99% APR and 5.99%, respectively.
The used car sale from Acura may enable you to finance one for less than what might be possible through a bank based on current interest rates.
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Honda Used Car Sales
Through March 31st, Honda is offering 1.99% APR for 24 months on select models. There are also 36 and 60-month options at 4.99% and 5.99%, respectively.
Eligible vehicles include 2018 to 2023 versions of the Civic, Accord, HR-V, and CR-V.
According to a bulletin sent to dealers, only models classified as HondaTrue Certified+ and HondaTrue Certified qualify for the incentive through Honda Financial Services (HFS).
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Lexus Used Car Sales
Through March 4th, Lexus is offering 5.99% APR for 72 months on certified used vehicles.
Eligible models include 2019 to 2023-model-year Lexus ES, NX, RX, RZ, and GX vehicles.
It's unusual to see 72-month CPO financing deals, and the deal in question could enable you to score a below-market interest rate and get the lowest monthly payment.
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Mazda Used Car Sales
Mazda is offering interest rates from 3.9% APR for 36 months on a wide range of vehicles.
Eligible models include 2023 and 2024-model-year CPO Mazda3, CX-30, CX-5, CX-50, and the new CX-90.
Longer terms are available at 4.9% for 63 months and 5.9% for 72 months. We're not sure exactly why Mazda restricted this deal to vehicles as old as 2023 only. This is a serious limitation that could prevent you from getting a good deal if you can't find a qualifying vehicle in stock.
The offers end on February 29th.
Nissan Used Car Sales
Through March 4th, select CPO Nissans have 3.99% APR for 36 months.
Eligible models include 2018 to 2023 versions of the Sentra, Altima, Kicks, Rogue Sport, Rogue, Pathfinder, and Frontier.
NMAC also has 60 and 72-month financing options at 5.99% and 6.49%.
Subaru Used Car Sales
Through February 29th, Subaru is offering 4.49% APR financing for 36 months on all certified used vehicles.
This is a price cut from the previous rate of 5.49% APR and is available on 2019 to 2024 factory-certified vehicles.
There are no exclusions, which means you can even score a deal on the popular Subaru Outback Wilderness.
Toyota Used Car Sales
Through March 4th, Toyota is offering 5.99% APR for 60 months on a slew of certified pre-owned vehicles.
Eligible cars include all certified used Camrys and Camry Hybrids, Corollas and Corolla Hybrids, RAV4s and RAV4 Hybrids, as well as the all-electric bZ4X.
This is a national deal, though in the Central Atlantic Toyota is offering 6.29% APR for 72 months on the Sienna, Highlander, and Tacoma too.
Volkswagen Used Car Sales
Through March 4th, VW is offering 4.9% APR for 60 months on 2023 to 2024 CPO vehicles.
Alternatively, 2021 to 2022 factory-certified Volkswagens offer 5.9% APR. There are also 72-month financing options at an interest rate that's 1% higher than these.