Best Luxury Finance Deals November 2026: Ranked
Part of our monthly best finance deals coverage. See all vehicle types ranked.
The 2026 Cadillac LYRIQ is the best luxury finance deal in November 2026 at a 23.37% Finance Score. It pairs 0.9% APR with $2,000 cash over 72 months, saving $13,834 against a 7% loan.
We scored 85 luxury finance offers this month, 56 SUVs and 29 cars, up from 81 in October. Five rate Excellent, up from four, and Cadillac owns four of them after cutting the LYRIQ to 0.9%. The Infiniti QX80 is still the only luxury vehicle at a true 0%, now on the 2027 model.
We rank every luxury offer by Finance Score: the interest you save against a 7% loan plus any cash bonus, divided by the sticker price.
We check every advertised luxury finance offer each month and rank SUVs and cars on the same scale, by savings against a 7% baseline loan.- The 2026 Cadillac LYRIQ leads at 23.37%, up from 14.64% in October, just ahead of last month’s leader, the 2027 VISTIQ at 22.57%
- Five luxury deals rate Excellent, all of them SUVs. None reaches Elite
- Five BMWs tie at 16.50% on 0.9% over 60 months. The Range Rover Velar left the group when its rate rose to 2.9%
- All 22 Mercedes-Benz models still score 5.37% on 1.99% over just 24 months, the lowest score on the page
Top 5 luxury SUV finance deals
Top 5 luxury SUV finance offers for November 2026, ranked by Finance Score.
The 2026 Cadillac LYRIQ is the best luxury finance deal of November 2026 at 23.37%. Cadillac cut its rate from 2.9% to 0.9% and stretched the term from 60 to 72 months.
It kept the $2,000 cash, so the score jumped from 14.64% in October. That’s $13,834 saved on a $59,200 electric SUV.
The 2027 VISTIQ led in October and hasn’t changed: 0.9% APR with $2,000 cash over 72 months.
It saves $17,493 on a $77,500 sticker for 22.57%. Finance it rather than lease it. The lease rates 1.54%.
Infiniti moved its 0% offer from the 2026 QX80 to the 2027, which ran at 2.9% in October. It’s still the only luxury vehicle at a true 0% APR.
With $3,000 cash over 60 months it saves $19,097 for 22.31%. Only the $127,700 Escalade IQ saves more in dollars.
The 2027 LYRIQ gets the same 0.9% over 72 months as the 2026, down from 3.9% over 60 in October, but without the cash.
That’s enough to lift it from 8.58% to 19.99%, saving $11,874. If a dealer has both years, the 2026 is the better buy.
The 2026 VISTIQ carries the same 0.9% over 72 months as the 2027, with no cash bonus.
It saves $15,472 for 19.99%, unchanged from October. The 2027 adds $2,000 for the same rate.
Top 5 luxury car finance deals
Top 5 luxury sedan and coupe finance offers for November 2026, ranked by Finance Score.
The 3 Series leads luxury cars again at 16.50% on BMW‘s 0.9% over 60 months.
It saves $8,895 on a $53,900 sticker. The 7 Series, second here in October, has dropped out of BMW’s offers.
The 2 Series runs 2.99% over 60 months with no cash, which scores 11.02%.
BMW keeps its best rate for the 3 Series, so the entry model saves just $4,860.
The 2027 5 Series shares the 2 Series terms, 2.99% over 60 months, and the same 11.02%.
On a $67,850 sticker that saves $7,478, but a 1.27% lease is the stronger way into this car.
Lexus cut the 2026 ES 350h from 3.99% to 2.99% over 48 months, lifting it from 6.58% to 8.72%.
It saves $4,333 on a $49,700 hybrid sedan. The 2027 ES 350h stayed at 3.99%, so ask for the 2026.
The electric 2026 ES 500e gets the same 2.99% over 48 months and the same 8.72% score.
That’s $4,141 saved on a $47,500 sticker. Lexus cut rates on six 2026 models this month, though its cars still trail the BMWs.
All 85 luxury finance deals ranked
Every advertised luxury finance offer scored this November, SUVs and cars together. Click any column header to sort.
# ↕ |
Vehicle ↕ |
APR ↕ |
Cash ↕ |
Term ↕ |
Sticker ↕ |
Savings ↕ |
Score ↕ |
Rating |
|---|---|---|---|---|---|---|---|---|
| 1 | 2026 Cadillac LYRIQ Luxury SUV Check prices | 0.90% | $2,000 | 72 mo | $59,200 | $13,834 | 23.37% | Excellent |
| 2 | 2027 Cadillac VISTIQ Luxury SUV Check prices | 0.90% | $2,000 | 72 mo | $77,500 | $17,493 | 22.57% | Excellent |
| 3 | 2027 Infiniti QX80 Luxury SUV Check prices | 0.00% | $3,000 | 60 mo | $85,590 | $19,097 | 22.31% | Excellent |
| 4 | 2027 Cadillac LYRIQ Luxury SUV Check prices | 0.90% | n/a | 72 mo | $59,400 | $11,874 | 19.99% | Excellent |
| 5 | 2026 Cadillac VISTIQ Luxury SUV Check prices | 0.90% | n/a | 72 mo | $77,395 | $15,472 | 19.99% | Excellent |
| 6 | 2026 Volvo XC40 Luxury SUV Check prices | 1.99% | n/a | 72 mo | $47,300 | $7,842 | 16.58% | Good |
| 7 | 2026 BMW 3 Series Luxury Car Check prices | 0.90% | n/a | 60 mo | $53,900 | $8,895 | 16.50% | Good |
| 8 | 2027 BMW X1 Luxury SUV Check prices | 0.90% | n/a | 60 mo | $47,750 | $7,880 | 16.50% | Good |
| 9 | 2026 BMW X3 Luxury SUV Check prices | 0.90% | n/a | 60 mo | $55,650 | $9,183 | 16.50% | Good |
| 10 | 2026 BMW X5 Luxury SUV Check prices | 0.90% | n/a | 60 mo | $73,950 | $12,203 | 16.50% | Good |
| 11 | 2027 BMW X7 Luxury SUV Check prices | 0.90% | n/a | 60 mo | $97,100 | $16,024 | 16.50% | Good |
| 12 | 2027 Infiniti QX65 Luxury SUV Check prices | 2.90% | $1,000 | 72 mo | $53,990 | $8,385 | 15.53% | Good |
| 13 | 2027 Infiniti QX60 Luxury SUV Check prices | 2.90% | $1,000 | 72 mo | $57,290 | $8,837 | 15.43% | Good |
| 14 | 2027 Cadillac OPTIQ Luxury SUV Check prices | 2.90% | $2,000 | 60 mo | $49,995 | $7,630 | 15.26% | Good |
| 15 | 2025 Cadillac ESCALADE IQ Luxury SUV Check prices | 2.90% | $5,000 | 60 mo | $127,700 | $19,380 | 15.18% | Good |
| 16 | 2026 Land Rover Discovery Luxury SUV Check prices | 1.90% | n/a | 60 mo | $65,650 | $9,127 | 13.90% | Good |
| 17 | 2026 Land Rover Range Rover Evoque Luxury SUV Check prices | 1.90% | n/a | 60 mo | $53,500 | $7,438 | 13.90% | Good |
| 18 | 2026 Audi Q3 Luxury SUV Check prices | 1.99% | n/a | 60 mo | $49,020 | $6,699 | 13.67% | Good |
| 19 | 2026 Audi Q5 Luxury SUV Check prices | 1.99% | n/a | 60 mo | $57,250 | $7,824 | 13.67% | Good |
| 20 | 2026 Audi SQ5 Luxury SUV Check prices | 1.99% | n/a | 60 mo | $73,670 | $10,068 | 13.67% | Good |
| 21 | 2026 Cadillac OPTIQ Luxury SUV Check prices | 2.90% | n/a | 60 mo | $49,995 | $5,630 | 11.26% | Fair |
| 22 | 2026 Jaguar F-Pace Luxury SUV Check prices | 2.90% | n/a | 60 mo | $64,400 | $7,252 | 11.26% | Fair |
| 23 | 2026 Land Rover Range Rover Velar Luxury SUV Check prices | 2.90% | n/a | 60 mo | $67,300 | $7,578 | 11.26% | Fair |
| 24 | 2026 BMW 2 Series Luxury Car Check prices | 2.99% | n/a | 60 mo | $44,100 | $4,860 | 11.02% | Fair |
| 25 | 2027 BMW 5 Series Luxury Car Check prices | 2.99% | n/a | 60 mo | $67,850 | $7,478 | 11.02% | Fair |
| 26 | 2026 Lexus RZ 450e Luxury SUV Check prices | 1.99% | n/a | 48 mo | $50,795 | $5,499 | 10.83% | Fair |
| 27 | 2026 Lexus ES 350h Luxury Car Check prices | 2.99% | n/a | 48 mo | $49,700 | $4,333 | 8.72% | Fair |
| 28 | 2026 Lexus ES 500e Luxury Car Check prices | 2.99% | n/a | 48 mo | $47,500 | $4,141 | 8.72% | Fair |
| 29 | 2026 Lexus NX 350 Luxury SUV Check prices | 2.99% | n/a | 48 mo | $46,120 | $4,020 | 8.72% | Fair |
| 30 | 2026 Lexus NX 450h+ Luxury SUV Check prices | 2.99% | n/a | 48 mo | $66,675 | $5,813 | 8.72% | Fair |
| 31 | 2026 Lexus RX 350 Luxury SUV Check prices | 2.99% | n/a | 48 mo | $51,175 | $4,461 | 8.72% | Fair |
| 32 | 2026 Lexus RX 450H+ Luxury SUV Check prices | 2.99% | n/a | 48 mo | $77,449 | $6,752 | 8.72% | Fair |
| 33 | 2027 Lexus RX 450H+ Luxury SUV Check prices | 2.99% | n/a | 48 mo | $77,449 | $6,752 | 8.72% | Fair |
| 34 | 2026 Lexus TX 350 Luxury SUV Check prices | 2.99% | n/a | 48 mo | $57,090 | $4,977 | 8.72% | Fair |
| 35 | 2026 Lexus TX 500h Luxury SUV Check prices | 2.99% | n/a | 48 mo | $70,460 | $6,143 | 8.72% | Fair |
| 36 | 2026 Land Rover Range Rover Luxury SUV Check prices | 3.90% | n/a | 60 mo | $122,150 | $10,478 | 8.58% | Fair |
| 37 | 2026 Cadillac CT4 Luxury Car Check prices | 3.90% | $1,250 | 36 mo | $36,390 | $3,080 | 8.47% | Fair |
| 38 | 2026 Cadillac XT5 Luxury SUV Check prices | 3.90% | $1,500 | 36 mo | $44,295 | $3,728 | 8.42% | Fair |
| 39 | 2026 Audi A5 Luxury Car Check prices | 3.99% | n/a | 60 mo | $54,660 | $4,555 | 8.34% | Fair |
| 40 | 2026 Audi A6 Luxury Car Check prices | 3.99% | n/a | 60 mo | $73,120 | $6,094 | 8.34% | Fair |
| 41 | 2026 Audi A8 Luxury Car Check prices | 3.99% | n/a | 60 mo | $104,395 | $8,701 | 8.34% | Fair |
| 42 | 2026 Audi Q8 Luxury SUV Check prices | 3.99% | n/a | 60 mo | $86,400 | $7,201 | 8.34% | Fair |
| 43 | 2026 Audi S5 Luxury Car Check prices | 3.99% | n/a | 60 mo | $72,675 | $6,057 | 8.34% | Fair |
| 44 | 2026 Audi S8 Luxury Car Check prices | 3.99% | n/a | 60 mo | $130,000 | $10,835 | 8.34% | Fair |
| 45 | 2026 Audi SQ8 Luxury SUV Check prices | 3.99% | n/a | 60 mo | $99,700 | $8,310 | 8.34% | Fair |
| 46 | 2026 BMW 8 Series Luxury Car Check prices | 3.99% | n/a | 60 mo | $98,650 | $8,222 | 8.34% | Fair |
| 47 | 2026 Cadillac CT5 Luxury Car Check prices | 3.90% | $1,250 | 36 mo | $48,600 | $3,695 | 7.60% | Fair |
| 48 | 2026 Volvo EX30 Luxury SUV Check prices | 4.99% | n/a | 72 mo | $38,950 | $2,660 | 6.83% | Fair |
| 49 | 2026 Volvo EX40 Luxury SUV Check prices | 4.99% | n/a | 72 mo | $55,150 | $3,767 | 6.83% | Fair |
| 50 | 2026 Volvo EX90 Luxury SUV Check prices | 4.99% | n/a | 72 mo | $79,995 | $5,464 | 6.83% | Fair |
| 51 | 2026 Volvo XC60 Luxury SUV Check prices | 4.99% | n/a | 72 mo | $54,300 | $3,709 | 6.83% | Fair |
| 52 | 2026 Volvo XC90 Luxury SUV Check prices | 4.99% | n/a | 72 mo | $68,800 | $4,699 | 6.83% | Fair |
| 53 | 2027 Lexus ES 350h Luxury Car Check prices | 3.99% | n/a | 48 mo | $49,805 | $3,279 | 6.58% | Fair |
| 54 | 2027 Lexus ES 500e Luxury Car Check prices | 3.99% | n/a | 48 mo | $47,610 | $3,134 | 6.58% | Fair |
| 55 | 2026 Lexus UX 300h Luxury SUV Check prices | 3.99% | n/a | 48 mo | $38,250 | $2,518 | 6.58% | Fair |
| 56 | 2026 Land Rover Discovery Sport Luxury SUV Check prices | 4.90% | n/a | 60 mo | $53,250 | $3,117 | 5.85% | Skip |
| 57 | 2027 Audi Q7 Luxury SUV Check prices | 4.99% | n/a | 60 mo | $67,395 | $3,779 | 5.61% | Skip |
| 58 | 2027 Audi Q9 Luxury SUV Check prices | 4.99% | n/a | 60 mo | $87,700 | $4,917 | 5.61% | Skip |
| 59 | 2027 Audi SQ7 Luxury SUV Check prices | 4.99% | n/a | 60 mo | $93,800 | $5,259 | 5.61% | Skip |
| 60 | 2027 Audi SQ9 Luxury SUV Check prices | 4.99% | n/a | 60 mo | $118,000 | $6,616 | 5.61% | Skip |
| 61 | 2026 Lexus IS 350 Luxury Car Check prices | 4.99% | n/a | 60 mo | $46,795 | $2,623 | 5.61% | Skip |
| 62 | 2027 Lexus IS 350 Luxury Car Check prices | 4.99% | n/a | 60 mo | $46,795 | $2,623 | 5.61% | Skip |
| 63 | 2027 Lexus RX 350 Luxury SUV Check prices | 4.99% | n/a | 60 mo | $51,175 | $2,869 | 5.61% | Skip |
| 64 | 2026 Mercedes-Benz C-Class Luxury Car Check prices | 1.99% | n/a | 24 mo | $51,000 | $2,737 | 5.37% | Skip |
| 65 | 2026 Mercedes-Benz CLA Luxury Car Check prices | 1.99% | n/a | 24 mo | $48,600 | $2,608 | 5.37% | Skip |
| 66 | 2026 Mercedes-Benz CLA 250 4MATIC Coupe Luxury Car Check prices | 1.99% | n/a | 24 mo | $46,100 | $2,474 | 5.37% | Skip |
| 67 | 2026 Mercedes-Benz CLA 250 Coupe Luxury Car Check prices | 1.99% | n/a | 24 mo | $44,100 | $2,367 | 5.37% | Skip |
| 68 | 2026 Mercedes-Benz CLE 300 4MATIC Cabriolet Luxury Car Check prices | 1.99% | n/a | 24 mo | $69,400 | $3,725 | 5.37% | Skip |
| 69 | 2026 Mercedes-Benz CLE 300 4MATIC Coupe Luxury Car Check prices | 1.99% | n/a | 24 mo | $60,900 | $3,269 | 5.37% | Skip |
| 70 | 2026 Mercedes-Benz CLE 450 4MATIC Cabriolet Luxury Car Check prices | 1.99% | n/a | 24 mo | $78,750 | $4,227 | 5.37% | Skip |
| 71 | 2026 Mercedes-Benz CLE 450 4MATIC Coupe Luxury Car Check prices | 1.99% | n/a | 24 mo | $70,350 | $3,776 | 5.37% | Skip |
| 72 | 2026 Mercedes-Benz E-Class Luxury Car Check prices | 1.99% | n/a | 24 mo | $65,250 | $3,502 | 5.37% | Skip |
| 73 | 2026 Mercedes-Benz EQE SUV Luxury SUV Check prices | 1.99% | n/a | 24 mo | $66,300 | $3,559 | 5.37% | Skip |
| 74 | 2026 Mercedes-Benz EQE Sedan Luxury Car Check prices | 1.99% | n/a | 24 mo | $66,300 | $3,559 | 5.37% | Skip |
| 75 | 2026 Mercedes-Benz EQS SUV Luxury SUV Check prices | 1.99% | n/a | 24 mo | $91,300 | $4,901 | 5.37% | Skip |
| 76 | 2026 Mercedes-Benz EQS Sedan Luxury Car Check prices | 1.99% | n/a | 24 mo | $101,250 | $5,435 | 5.37% | Skip |
| 77 | 2026 Mercedes-Benz GLA Luxury SUV Check prices | 1.99% | n/a | 24 mo | $42,850 | $2,300 | 5.37% | Skip |
| 78 | 2026 Mercedes-Benz GLB Luxury SUV Check prices | 1.99% | n/a | 24 mo | $45,150 | $2,423 | 5.37% | Skip |
| 79 | 2026 Mercedes-Benz GLC Luxury SUV Check prices | 1.99% | n/a | 24 mo | $50,900 | $2,732 | 5.37% | Skip |
| 80 | 2026 Mercedes-Benz GLC 300 4MATIC Coupe Luxury SUV Check prices | 1.99% | n/a | 24 mo | $61,000 | $3,274 | 5.37% | Skip |
| 81 | 2026 Mercedes-Benz GLE Luxury SUV Check prices | 1.99% | n/a | 24 mo | $63,600 | $3,414 | 5.37% | Skip |
| 82 | 2026 Mercedes-Benz GLE 450 4MATIC Coupe Luxury SUV Check prices | 1.99% | n/a | 24 mo | $78,600 | $4,219 | 5.37% | Skip |
| 83 | 2026 Mercedes-Benz GLE 450e Plug-in Hybrid 4MATIC SUV Luxury SUV Check prices | 1.99% | n/a | 24 mo | $73,600 | $3,950 | 5.37% | Skip |
| 84 | 2026 Mercedes-Benz GLS Luxury SUV Check prices | 1.99% | n/a | 24 mo | $91,600 | $4,917 | 5.37% | Skip |
| 85 | 2026 Mercedes-Benz S-Class Luxury Car Check prices | 1.99% | n/a | 24 mo | $120,900 | $6,490 | 5.37% | Skip |
Sourced from manufacturer websites November 4, 2026. Finance Score = savings versus a 7% baseline loan, divided by MSRP.
Luxury finance deals to avoid this month
The weakest luxury finance offers we scored
- 2026 Mercedes-Benz C-Class (score: 5.37%) 1.99% APR over 24 months on a $51,000 sedan, saving $2,737. The rate is low, but two years leaves little interest to save. All 22 Mercedes models share these terms and tie for last.
- 2027 Audi Q9 (score: 5.61%) New to our data this month at 4.99% APR over 60 months on a $87,700 SUV. A credit union will often match that rate.
- 2026 Lexus RZ 450e (score: 10.83%) Down from 18.81% in October. Lexus dropped the $3,000 cash and raised the rate from 0.99% to 1.99%.
How to evaluate any luxury finance deal
Why luxury scores run lower
Luxury brands rarely offer 0% APR, and they favour short terms. A 24-month loan gives a low rate almost nothing to work against, which is why all 22 Mercedes models sit at 5.37% on a rate of just 1.99%.
Work out the interest a 7% loan would cost over the same term, subtract the interest the manufacturer rate costs, then add any cash bonus.
Finance Score = total savings / sticker x 100
What the ratings mean
Luxury SUVs and cars are scored on the same scale as every other page, so 16.50% here means the same thing it does on the mainstream SUV page.
The 22 Mercedes-Benz models at 5.37% mark the floor this month, and nothing scores below them. Positive, but small enough that a credit union rate will often beat it.
Frequently asked questions
These offers may vary based on location, credit score, and financing terms, and are not guaranteed. Use our free service to check discount car prices to get the best prices that include current manufacturer offers and incentives.
Run the Numbers Before You Sign
Manufacturer financing is not automatically cheaper than your own bank. Work out the payment on the actual price and term, then check whether the low rate really beats taking the cash bonus instead.
