Best APR + Cash Back Deals November 2026: Toyota bZ
Part of our monthly best finance deals coverage. See all vehicle types ranked.
The 2026 Toyota bZ is the best APR-plus-cash deal in November 2026 at a 25.89% Finance Score. It pairs 1.99% APR over 72 months with a $3,250 cash bonus, saving $9,036 against a 7% loan on a $34,900 sticker.
We count 32 combined offers this month, down from 35 in October. Three October offers left because their makers went all the way to 0%: the 2026 Toyota bZ Woodland, the Ford F-150 and the 2027 Infiniti QX80. Electric cars still hold the top 6 places, and 10 of the 32 are EVs.
We ranked every offer that pairs a discounted APR with a cash bonus by Finance Score: interest saved against a 7% loan plus the cash, divided by sticker price.
We check every advertised finance offer each month and list only the ones that combine a rate discount with a cash bonus.- The 2026 Toyota bZ leads again at 25.89%, the only combined offer rated Elite this month
- The 2026 Cadillac LYRIQ jumped to second at 23.37% after a rate cut to 0.9%
- The 2025 Cadillac ESCALADE IQ saves the most in dollars at $19,380, on a $127,700 sticker
- GM supplies 20 of the 32, and its Tahoe, Suburban and Terrain are the only ones under 6%
Best APR + cash bonus deals right now
Top 10 APR-plus-cash offers for November 2026, ranked by Finance Score.
The bZ is the best APR-plus-cash deal of the month again at 25.89%, and still the only one rated Elite.
Toyota kept 1.99% with $3,250 cash over 72 months. That saves $9,036 on a $34,900 electric SUV, more than a quarter of the sticker.
Cadillac cut the LYRIQ from 2.9% over 60 months to 0.9% over 72, and kept the $2,000 cash.
That moved it from 14.64% in October to 23.37%, saving $13,834 on a $59,200 sticker.
The 2027 VISTIQ is unchanged from October: 0.9% over 72 months with $2,000 cash.
It saves $17,493. The 2026 VISTIQ gets the same rate with no cash, so it sits in the GM box below instead.
Toyota cut the 2027 bZ Woodland from 3.75% to 0.99% over 72 months, with $1,250 cash.
Its score rose from 13.68% to 22.47%, saving $10,195 on a $45,380 sticker. The 2026 Woodland went to 0% this month, so it’s ranked on the 0% pages.
The electric C-HR keeps 2.75% plus $1,750 over 72 months, scoring 18.89%.
The 2027 C-HR drops to 4.99% and $750, so the 2026 car is the one to look for.
The 2027 bZ gets 3.49% with $2,250 cash over 72 months, scoring 18.21%.
That’s $2,668 less in savings than the 2026 bZ for a car that costs $80 more.
The QX65 is the best combined offer on a gas car, 2.9% plus $1,000 over 72 months.
It saves $8,385 on a $53,990 sticker for 15.53%. Infiniti hasn’t changed it since October.
The QX60 shares the QX65’s terms, 2.9% with $1,000 cash over 72 months.
On a $57,290 sticker that saves $8,837, for a 15.43% score.
The 2027 OPTIQ pairs 2.9% with $2,000 cash over 60 months, scoring 15.26%.
It’s the cheapest Cadillac EV here at $49,995, and the $2,000 makes up more than a quarter of its $7,630 saving.
Cadillac doubled the ESCALADE IQ’s cash from $2,500 to $5,000, on 2.9% over 60 months.
It saves $19,380, the biggest dollar figure on this page, but on a $127,700 sticker that’s only 15.18%.
All 32 APR + cash bonus deals ranked
Every advertised offer this November that combines a rate discount with a cash bonus. Click any column header to sort.
# ↕ |
Vehicle ↕ |
APR ↕ |
Cash ↕ |
Term ↕ |
Sticker ↕ |
Savings ↕ |
Score ↕ |
Rating | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | 2026 Toyota bZ Check prices | 1.99% | $3,250 | 72 mo | $34,900 | $9,036 | 25.89% | Elite | |
| 2 | 2026 Cadillac LYRIQ Check prices | 0.90% | $2,000 | 72 mo | $59,200 | $13,834 | 23.37% | Excellent | |
| 3 | 2027 Cadillac VISTIQ Check prices | 0.90% | $2,000 | 72 mo | $77,500 | $17,493 | 22.57% | Excellent | |
| 4 | 2027 Toyota bZ Woodland Check prices | 0.99% | $1,250 | 72 mo | $45,380 | $10,195 | 22.47% | Excellent | |
| 5 | 2026 Toyota C-HR Check prices | 2.75% | $1,750 | 72 mo | $37,000 | $6,989 | 18.89% | Excellent | |
| 6 | 2027 Toyota bZ Check prices | 3.49% | $2,250 | 72 mo | $34,980 | $6,368 | 18.21% | Excellent | |
| 7 | 2027 Infiniti QX65 Check prices | 2.90% | $1,000 | 72 mo | $53,990 | $8,385 | 15.53% | Good | |
| 8 | 2027 Infiniti QX60 Check prices | 2.90% | $1,000 | 72 mo | $57,290 | $8,837 | 15.43% | Good | |
| 9 | 2027 Cadillac OPTIQ Check prices | 2.90% | $2,000 | 60 mo | $49,995 | $7,630 | 15.26% | Good | |
| 10 | 2025 Cadillac ESCALADE IQ Check prices | 2.90% | $5,000 | 60 mo | $127,700 | $19,380 | 15.18% | Good | |
| 11 | 2026 Buick Encore GX Check prices | 1.90% | $1,500 | 36 mo | $26,495 | $3,672 | 13.86% | Good | |
| 12 | 2026 GMC Canyon Check prices | 3.90% | $2,000 | 60 mo | $38,900 | $5,337 | 13.72% | Good | |
| 13 | 2026 Buick Envista Check prices | 1.90% | $1,250 | 36 mo | $24,700 | $3,275 | 13.26% | Good | |
| 14 | 2026 GMC Sierra 3500HD Check prices | 4.90% | $4,000 | 48 mo | $51,600 | $6,383 | 12.37% | Good | |
| 15 | 2026 Buick Envision Check prices | 1.90% | $1,000 | 36 mo | $41,000 | $4,362 | 10.64% | Fair | |
| 16 | 2026 GMC Sierra 2500HD Check prices | 5.90% | $4,000 | 48 mo | $49,295 | $5,199 | 10.55% | Fair | |
| 17 | 2026 Ford Mustang Mach-E Check prices | 4.90% | $1,500 | 60 mo | $37,795 | $3,712 | 9.82% | Fair | |
| 18 | 2026 Hyundai Palisade Hybrid Check prices | 3.90% | $500 | 60 mo | $44,160 | $4,288 | 9.71% | Fair | |
| 19 | 2026 Buick Enclave Check prices | 1.90% | $500 | 36 mo | $46,200 | $4,289 | 9.28% | Fair | |
| 20 | 2027 Toyota C-HR Check prices | 4.99% | $750 | 72 mo | $37,080 | $3,282 | 8.85% | Fair | |
| 21 | 2026 Chevrolet Trax Check prices | 2.90% | $500 | 36 mo | $24,995 | $2,155 | 8.62% | Fair | |
| 22 | 2026 Cadillac CT4 Check prices | 3.90% | $1,250 | 36 mo | $36,390 | $3,080 | 8.47% | Fair | |
| 23 | 2026 Cadillac XT5 Check prices | 3.90% | $1,500 | 36 mo | $44,295 | $3,728 | 8.42% | Fair | |
| 24 | 2026 GMC Acadia Check prices | 2.90% | $750 | 36 mo | $43,800 | $3,651 | 8.34% | Fair | |
| 25 | 2026 Chevrolet Trailblazer Check prices | 3.90% | $750 | 36 mo | $23,300 | $1,922 | 8.25% | Fair | |
| 26 | 2026 Nissan Sentra Check prices | 4.90% | $500 | 60 mo | $22,600 | $1,823 | 8.07% | Fair | |
| 27 | 2026 Nissan Altima Check prices | 4.90% | $500 | 60 mo | $27,580 | $2,114 | 7.67% | Fair | |
| 28 | 2026 Cadillac CT5 Check prices | 3.90% | $1,250 | 36 mo | $48,600 | $3,695 | 7.60% | Fair | |
| 29 | 2026 Ford Bronco Check prices | 4.90% | $500 | 60 mo | $39,995 | $2,841 | 7.10% | Fair | |
| 30 | 2026 Chevrolet Tahoe Check prices | 5.90% | $1,500 | 60 mo | $60,700 | $3,375 | 5.56% | Skip | |
| 31 | 2026 Chevrolet Suburban Check prices | 5.90% | $1,500 | 60 mo | $63,700 | $3,467 | 5.44% | Skip | |
| 32 | 2026 GMC Terrain Check prices | 6.99% | $500 | 60 mo | $29,900 | $508 | 1.70% | Skip |
Sourced from manufacturer websites November 4, 2026. Finance Score = savings versus a 7% baseline loan, divided by MSRP.
GM vehicles with financing but no cash bonus
These GM offers don’t qualify for the ranked list above
These 14 GM offers carry a rate discount but no cash bonus, so they don’t qualify for the ranked list above. Models with a cash offer in another year are noted, so nothing appears twice.
- 2027 Cadillac LYRIQ 0.9% APR over 72 months, $59,400 sticker, 19.99% score. The 2026 model is in the ranked table with cash.
- 2026 Cadillac VISTIQ 0.9% APR over 72 months, $77,395 sticker, 19.99% score. The 2027 model is in the ranked table with cash.
- 2026 Chevrolet Silverado 1500 0% APR over 60 months, $38,145 sticker, 18.81% score
- 2026 Cadillac OPTIQ 2.9% APR over 60 months, $49,995 sticker, 11.26% score. The 2027 model is in the ranked table with cash.
- 2027 Chevrolet Bolt 0.9% APR over 36 months, $27,600 sticker, 9.76% score
- 2026 GMC HUMMER EV Pickup 0.9% APR over 36 months, $97,200 sticker, 9.76% score
- 2026 GMC HUMMER EV SUV 0.9% APR over 36 months, $97,200 sticker, 9.76% score
- 2026 Chevrolet Traverse 2.9% APR over 48 months, $40,800 sticker, 8.91% score
- 2026 Chevrolet Blazer 1.9% APR over 36 months, $35,400 sticker, 8.20% score
- 2027 Chevrolet Equinox 1.9% APR over 36 months, $29,000 sticker, 8.20% score
- 2026 Chevrolet Colorado 4.9% APR over 75 months, $32,400 sticker, 7.46% score
- 2027 Chevrolet Traverse 3.9% APR over 48 months, $40,800 sticker, 6.78% score
- 2026 Chevrolet Blazer EV 2.9% APR over 36 months, $44,700 sticker, 6.62% score
- 2026 Chevrolet Equinox EV 2.9% APR over 36 months, $34,995 sticker, 6.62% score
How to evaluate an APR + cash bonus deal
Cash bonus or low rate: which is worth more?
It depends on the term. Cash is worth the same whatever the loan length, while a rate discount grows with every month you borrow. Compare the short and long ends of this list:
Encore GX: 1.9% over 36 months plus $1,500 cash.
Interest saved against 7%: $2,172.
Total savings: $3,672, about 41% of it cash.
Toyota bZ: 1.99% over 72 months plus $3,250 cash.
Interest saved against 7%: $5,786.
Total savings: $9,036, mostly from the rate.
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
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.
Work Out Which Half of the Deal Is Worth More
When a deal offers both, you normally have to pick one. Put your price, term and rebate into the calculator to see which side saves more over the life of the loan.
