Used Car Deals

Best Used Car Financing Deals

CPO and Used Car Discounts

Owaki-Kulla/Getty Images

Certified pre-owned (CPO) cars, trucks, and SUVs give you more protection than a typical used car and a price that's lower than a comparable new car. While CPO cars typically cost more than regular used cars, they give you more for your money and are much less expensive than new cars. To become certified pre-owned, these cars, SUVs, and trucks are inspected by dealers using specifications created by the car manufacturers. CPO cars, trucks, and SUVs also come not only with what’s left of the new-car warranty, but also with an additional warranty that can cover as much as 100,000 miles. If you want to know more, read How CPO Programs Work and check out our list of the Best CPO Programs.

Another benefit is that car brands often offer sales and deals on CPO cars, which lowers the overall price you pay. These used car specials are usually financing offers direct from the manufacturer at their dealerships. This month, you can purchase a number of CPO Chevrolet models with just 1.9 percent financing, including the Cruze, Malibu, Equinox, and Silverado. Ford is offering 1.9 percent financing for 66 months on the Fusion, Edge, Explorer, and F-150 at your local Ford dealer. Nissan has a financing deal on all of its CPO vehicles: 1.95 percent for three years or 3.95 percent for six years. Toyota is making some of its new car financing rates available to CPO buyers, while Honda dealers are offering even better CPO deals, like 0.9 percent financing for up to three years on select certified used CR-V and Accord models. Jeep has a CPO program, but isn't offering any incentives or discounts at the moment. 

If you have your eye on a more luxurious vehicle, there are deals for you too. BMW is offering 0.9 percent financing, and Jaguar is offering 0.9 to 3.9 percent interest over two to five years on XF, XJ, XK, and F-Type models. You can get most CPO Land Rovers with 0.9 to 2.9 percent financing over two to five years. Lincoln has a very attractive offer on its MKC and MKZ models: 1.9 percent financing for six years. With that deal, you also get a three-month subscription to SiriusXM and a six-year/100,000-mile warranty. Infiniti’s CPO financing deals on its cars and SUVs include 0.99 percent financing for up to three years. Mercedes-Benz’s certified pre-owned deals aren't as attractive this month; the lowest financing rate is 2.99 percent for four years. Still, while other CPO luxury vehicle offers will save you more, you’ll still save money buying a CPO Mercedes over a new one.




Expiration Date


0.9% APR on select 2013-2015 certified pre-owned BMWs

2013-2015 3-Series and 4-Series; 2014-2015 i3 models.



0.9% APR for up to 3 years

Select CPO Accord and CR-V models



1.9% APR on select certified pre-owned Chevrolet models

Select Cruze, Equinox, Malibu, Silverado, and Traverse models



2.9% APR for 66 months and 3 months SiriusXM subscription

All CPO models



0.9-3.9% APR for 24, 36, 48, 60, or 72 months

Select CPO XF, XJ, XK, and F-Type models


Land Rover

0.9-2.9% APR for 24, 36, 48, or 60 months

Select CPO LR2, LR4, Range Rover Evoque, Range Rover Sport, Range Rover, and Discovery Sport models



2.9% APR for 6 months on MKC and MKZ models; includes 3-month subscription to SiriusXM 

Select CPO MKC and MKZ models



2.99-3.99% APR for either 48 or 72 months  

CPO 2014-2015 CLA Class models, C-Class and E-Class models; 2013-2015 GLK Class models



1.95% APR for 36 months

All CPO vehicles 



Financing as low as 0.99% APR

All 2012-2017 CPO models


Looking to buy a used car? Check out our Used Car Rankings, where you can compare used cars by class, model year, and budget. Then, search our Used Car Listings, where you can browse used vehicles for sale in your area. While we work to keep used car deals up to date and accurate, the best source of current discounts and incentives on a used or certified pre-owned car is your local dealer.

Interested in a new car? Check out our Best Car Deals this month, as well as our Best Lease Deals.