2015 Kia Optima
2015 Kia Optima (Kia Motors America)

Everyone wants a low car payment, and lengthening your loan term or looking for a better financing rate are two ways to reduce your monthly costs. A lot of car shoppers are choosing longer car loans, as Experian Automotive reports that new car buyers financed for an average of 66 months in the first half of 2014. At the same time, about 24 percent financed for more than six years.

Longer new car loans mean that you can keep your monthly payments lower, but they typically come with higher interest rates. However, there are some November car deals that let you combine no-interest financing with a long loan term, which will help keep your monthly car payments manageable.

Zero Percent Financing Deals for Six Years

Nissan is offering interest-free financing for six years plus $500 cash back on some 2014 models, including the Nissan Maxima, Murano and Sentra. You’ll also find no-interest car loans that last six years on 2014 Ford vehicles such as the Edge, Escape, Fiesta, Focus and Fusion. Kia has six years of zero percent financing on the 2015 Optima and Sorento, and if you’re shopping for a hybrid car or SUV, manufacturers are promoting no-interest car loans on models like the 2014 Ford C-Max and Fusion Hybrid, the 2014 Kia Optima Hybrid and the 2014 Volkswagen Touareg Hybrid.

Zero Percent Financing Deals for Five Years

November’s best five-year car loans also include some cash back, and this month you can get interest-free financing on a 2014 Buick LaCrosse and take $2,500 off MSRP (Manufacturer’s Suggested Retail Price). Five years of no-interest financing plus $2,000 cash back is also available on the 2014 Cadillac CTS sedan and GMC Sierra 1500. You’ll also find up to $1,500 cash back and zero percent financing on cars and SUVs like the 2014 Buick Enclave, Mazda CX-9, Toyota Avalon and Avalon Hybrid and the 2015 Ford Taurus. In addition, the 2014 Toyota Camry and Camry Hybrid, Buick Verano and 2015 Nissan Altima all include interest-free financing and up to $1,000 off MSRP.

If you’re getting ready to finance a new car, check out our car payment calculator, where you can look up a vehicle’s price and get estimated monthly payments before you buy. In addition, our new car rankings provide fuel economy data, safety ratings and pricing information on the model you’re considering.

In the market for a new car or SUV? Check out the U.S. News Best Price Program for guaranteed savings on a new car, SUV or truck. Also, be sure to follow us on Twitter and Facebook.