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Best Used Car Low Interest Finance Deals – July 2015

There are many low-interest used car finance deals available in July. If you’re in the market for a used or certified pre-owned (CPO) vehicle, there are many low interest offers spread over a wide variety of brands and vehicle segments. No matter what type of used car you’re looking for, the automakers have something to offer.

Most used car finance incentives are in the form of low interest rate financing on CPO vehicles; others may offer to make your first payment or include a prepaid maintenance program. Normally, you must choose only one offer. However, in the month of July, a couple automakers are offering to let you have both.

USNews has compiled a list of the best used car finance deals available in July. Keep in mind, used car pricing varies greatly depending on the vehicles condition, location, popularity and mileage. You should always do your research on a particular used car before contacting a dealership. Read my used car chapter for tips on buying a used car to learn how to buy a used car properly and avoid car dealer scams.

Both Buick and Chevrolet are offering 1.9 percent low interest financing. However, it’s only available on the CPO Chevrolet Equinox, Malibu, Buick LaCrosse and Verano. Ford also has an attractive used car deal, they’re offering 1.9 percent financing for 36 months on all CPO models.

If you’re in the market for a luxury vehicle but don’t want to pay the full sticker price, you may want to consider a certified pre-owned. Many automakers such as Land Rover, BMW and Jaguar are offering rates as low as 0.9 percent. Lincoln is providing 1.9 percent low interest financing for 48 months PLUS complimentary maintenance. Mercedes-Benz is offering 2.99 percent financing for 72 months PLUS one payment credit on some models. Infiniti (Nissan’s luxury car line) is offering 0.99 percent on all of its 2011 to 2015 CPO model vehicles up to 36 months. Nissan has an either-or offer for the month of July. You can get 0.9 percent financing for up to three years OR $500 cash (only some CPO models qualify for the $500 cash).

Make sure to check out all the available used car finance deals below before heading to the dealership.

Best Used Car Low Interest Finance Deals for July 2015

BrandUsed Car ModelsFinance DealExpires
Used Audi DealsAll 2012 – 2013 CPO Models1.9% Financing for up to 72 Months08/04/2015
Used BMW DealsAll 2011 – 2013 CPO Models0.9% Financing08/31/2015
Used Buick DealsCPO LaCrosse and Verano1.9% Financing08/31/2015
Used Chevrolet DealsCPO Equinox and Malibu1.9% Financing08/31/2015
Used Ford DealsAll CPO Models1.9% Financing for 36 Months09/30/2015
Used Infiniti DealsAll 2011 – 2015 CPO Models0.99% financing for 36 Months08/03/2015
Used Jaguar Deals2011 – 2015 CPO XF, XJ and XK and 2014 CPO F-Type0.9% to 2.9% Financing for 24 to 72 Months07/31/2015
Used Land Rover Deals2011 – 2014 CPO LR2, LR4, Range Rover Sport and Range Rover, 2012 – 2014 CPO Range Rover Evoque0.9% to 2.9% Financing for 24 to 60 Months07/31/2015
Used Lincoln DealsAll CPO Models1.9% Financing for 48 Months PLUS Complimentary Maintenance08/31/2015
Used Mercedes-Benz Deals2012 – 2014 CPO C-Class, E-Class, S-Class, GLK-Class, M-Class and GL-Class; Payment Credit on CPO C-Class, E-Class and GLK-Class2.99% Financing for 72 Months PLUS One Payment Credit on some Models07/31/2015
Used Mini Deals2012 – 2013 CPO Models0.9% on 2012 CPO Models PLUS $300 Retail Credit | 1.9% on 2013 CPO Models07/31/2015
Used Nissan DealsAll CPO Models | $500 Cash on Rogue, Maxima, Altima, Sentra, Leaf and Titan0.9% Financing for 36 months OR $500 Cash08/03/2015
Used Subaru DealsAll 2010 – 2015 CPO Models0.99% Financing08/03/2015
Used Toyota DealsMany CPO Models2.9% Financing for 60 Months08/03/2015
Used Volkswagen Deals2014 – 2015 Jetta Passat and all Other CPO Models0.9% for 60 Months on 2014 – 2015 Jetta and Passat | 1.99% for 60 Months on all other CPO Jetta and Passat Models | 2.49% for 60 Months on all other CPO Models07/31/2015

Do Your Used Car Shopping Online

Keep in mind, when buying a used car you must do two things, the first thing is to check the used car’s title history using a service such as AutoCheck. This protects you by making sure the vehicle has not been in a severe accident or has a branded title. If the title shows to be clean, the second thing is always have the vehicle inspected by an independent certified mechanic before signing on the dotted line. This may cost you a little extra money upfront, but will greatly reduce the chances of you buying someone else’s problems and costing you a lot more money in the future.

When negotiating a used car’s price, it’s important to have a good estimate of what the dealer’s cost is for the vehicle and what other people are paying for the same vehicle in your local area. Otherwise, you won’t know what’s a good price to pay for the vehicle. I highly recommend using an online referral service such as Ryde Shopper or Motor Trend to do your used car research. The above sites will also tell you which dealerships in your local area are currently the most flexible with their used car pricing.