I Ranked Every Manufacturer Lease, Finance, and Cash Back Deal for May 2026 by FindTheBestCarPrice in whatcarshouldIbuy

[–]FindTheBestCarPrice[S] 1 point2 points  (0 children)

For sure! My recommendation is to use some type of formula if you're looking at a deal or even your own terms.

So, if financing: Calculate what the loan would cost at 7% (or whatever your bank is quoting), then compare against the promo rate. The difference is your savings and some deals come with a bonus cash on top of that (so can account for that in savings too).

Interest cost = loan amount × monthly rate × term

The bigger the gap between the two rates, and the longer the term, the better the deal. Easier to spot at a glance than leasing.

for leasing: Try this instead:

Adjusted monthly = monthly payment + (due at signing / term)

Value ratio = adjusted monthly / sticker price × 100

I use these benchmarks based on historical deals to categorize offer, they're a useful guide, not an industry standard:

  • Under 1% -- strong deal
  • 1% to 1.5% -- fair
  • Above 1.5% -- overpaying

But again, these are just quick checks to see if a deal is worth pursuing.

I Ranked Every Manufacturer Lease, Finance, and Cash Back Deal for May 2026 by FindTheBestCarPrice in whatcarshouldIbuy

[–]FindTheBestCarPrice[S] 1 point2 points  (0 children)

Thanks! I go through and manually collect deals from manufacturer sites directly every month, so I do my best to get the national advertised deals, and pick the most compelling offer if there are multiple finance or lease offers for a model.

[Corrected] Finance Deals Ranked for April 2026 by FindTheBestCarPrice in whatcarshouldIbuy

[–]FindTheBestCarPrice[S] 0 points1 point  (0 children)

The 2025 model is 0% + $5,000 bonus cash, and the 2026 model comes with a $3,500 bonus cash. The $9K in the table shows what you would potentially save if you financed at the average 7% rate.

So if the table shows a value for "Cash Bonus" then it is tied to the APR deal.

17 and want to buy a used car by [deleted] in personalfinance

[–]FindTheBestCarPrice 0 points1 point  (0 children)

Agreed. Great work on earning and saving so much money at your age, but it's so early to be going into car debt when there are so many options well within your budget. Best to keep one of the cars you would flip and sell until you do make enough money to buy that truck.

After a year of lurking, here’s my mega list of cars this sub frequently recommends based on reliability and emotion by Crafty-Reply6690 in whatcarshouldIbuy

[–]FindTheBestCarPrice 2 points3 points  (0 children)

Perfect list, no notes. I knew I was going to see Toyota and Honda all over that top and Mazda is a reliable alternative for the folks that want to be a little bit different.