Act Fast to Get APRs as Low as 0% for Civics, CR-Vs, Prologues, and More

Best Honda Civic Loan and Lease Deals

2025 Honda Civic Sedan — MSRP: $24,250+

Finance Offer

• 4.99% APR for 24–48 months, 5.99% for 49–60 months, or 6.99% for 61–72 months

Lease Offer

• Civic Sedan 2WD Sport: $289 per month for 36 months, $3,799 due at signing, 10,000 annual miles

2025 Honda Civic Hatchback — MSRP: $27,450+

Finance Offer

• 4.99% APR for 24–48 months, 5.99% for 49–60 months, or 6.99% for 61–72 months

Lease Offer

• Civic Hatchback FWD Sport: $279 per month for 36 months, $4,199 due at signing, 10,000 annual miles

Best Honda CR-V Loan and Lease Deals

2025 Honda CR-V — MSRP: $30,100+

Finance Offer

• 3.99% APR for 24–36 months, 4.99% for 37–60 months, 5.99% for 61–72 months

Lease Offers

• CR-V AWD LX: $349 per month for 36 months, $4,199 due at signing, 10,000 annual miles
• CR-V 2WD EX: $359 per month for 36 months, $3,899 due at signing, 10,000 annual miles

2025 Honda CR-V Hybrid  — MSRP: $34,650+

Finance Offer

• 3.49% APR for 24–36 months, 4.49% for 37–60 months, 5.49% for 61–72 months

Lease Offers

• CR-V AWD Sport Hybrid: $369 per month for 36 months, $4,499 due at signing, 10,000 annual miles
• CR-V 2WD Sport Hybrid: $369 per month for 36 months, $4,199 due at signing, 10,000 annual miles

Best Honda HR-V Loan and Lease Deals

2025 Honda HR-V — MSRP: $26,200+

Finance Offer

• 3.99% APR for 24–48 months, 4.99% for 49–60 months, 5.99% for 61–72 months

Lease Offers

• HR-V AWD LX: $289 per month for 36 months, $3,599 due at signing, 10,000 annual miles
• HR-V 2WD LX: $289 per month for 36 months, $3,299 due at signing, 10,000 annual miles

Best Honda Accord Loan and Lease Deals

2025 Honda Accord Sedan — MSRP: $28,295+

Finance Offer

• 3.99% APR for 24–60 months, 4.99% for 61–72 months

Lease Offers

• Accord Sedan FWD SE: $319 per month for 36 months, $4,199 due at signing, 10,000 annual miles
• Accord Sedan FWD LX: $299 per month for 36 months, $3,699 due at signing, 10,000 annual miles

Special Program

• $1,000 when you lease or finance with Honda Financial Services (for owners of eligible Honda vehicles)

2025 Honda Accord Hybrid — MSRP: $33,655+

Finance Offer

• 2.99% APR for 24–36 months, 3.99% for 37–60 months, 4.99% for 61–72 months

Lease Offer

• Accord Sedan FWD Sport Hybrid: $389 per month for 36 months, $3,699 due at signing, 10,000 annual miles

Special Program

• $1,000 when you lease or finance with Honda Financial Services

Best Honda Pilot Loan and Lease Deals

2025 Honda Pilot — MSRP: $40,200+

Finance Offer

• 3.99% APR for 24–36 months, 4.99% for 37–60 months, 5.99% for 61–72 months

Lease Offers

• Pilot AWD EX-L: $479 per month for 36 months, $5,899 due at signing, 10,000 annual miles
• Pilot 2WD EX-L: $479 per month for 36 months, $4,899 due at signing, 10,000 annual miles

Best Honda Prologue Loan and Lease Deals

2024, 2025 Honda Prologue — MSRP: $47,400+

Finance Offers

• 0.00% APR for 24–72 months; expires 7/7/25
• 0.99% APR for 24–60 months; expires 7/7/25

Lease Offers

• 2024 Prologue AWD Elite: $389 per month for 36 months, $3,999 due at signing, 10,000 annual miles; expires 7/7/25
• 2025 Prologue AWD EX: $449 per month for 36 months, $3,899 due at signing, 10,000 annual miles; expires 7/7/25

Special Programs

• $7,500 Federal EV purchase credit; expires 6/30/25
• $1,000 when you lease or finance with Honda Financial Services (for owners of eligible Honda vehicles); expires 7/7/25
• $7,500 Clean Vehicle Lease Credit; expires 6/30/25

Is Now a Good Time to Get an Auto Loan?

Auto loan interest rates may fall this year, but probably not dramatically. Loan rates tend to rise and fall with the federal funds rate, the national benchmark rate set by the Federal Reserve. A low federal funds rate pushes loan rates lower, while a high fed funds rate pushes loan rates higher. The fed funds rate is currently set at 4.25%–4.50%.

It’s impossible to say for sure how auto loan rates will change this year, but as of May 23, 2025, interest rate traders predict a 0.25% decrease in the fed funds rate in September, and then another by the end of 2025. So, waiting to get an auto loan may pay off, but not by huge amounts, if forecasts are accurate.

If you need a car quickly, you can’t wait for the Fed to potentially lower interest rates months down the line. In that case, it likely makes sense to shop around and make a decision now.

Compare Manufacturer Deals to Other Loan Offers

The manufacturer deals above are generally only available for certain new car models and trims. They’re usually reserved for borrowers with good or excellent credit and may have certain geographic restrictions. 

Investopedia’s independent research into online auto lenders and auto loan aggregators found the average minimum APR for new cars to be 5.17% (this is the lowest rate available from lenders, given to borrowers with the best credit). Manufacturer deals can be even better than that if you have excellent credit and want a new car. 

If that’s not you, you have two basic options to finance a vehicle:

• Get a loan directly from an auto lender (like a bank or credit union)
• Go to a dealership and work with their finance department to get a loan

It can be smart to explore both options. For example, you can pre-qualify with a few auto lenders to see the terms you can get. Then, with a loan offer in hand, you can visit dealerships and ask them to beat that offer. This puts you in a better position for negotiation. If you have the loan funds available before you even walk into a dealership and you’re willing to go elsewhere if you don’t get a better offer, you can take a lot of the stress out of car buying.