Car Deal Season Is Still Alive—These Brands Are Still Running “Year-End” Incentives

January car deals are the quiet second act of the holiday sales circus. The TV ads fade. The showroom crowds thin out. But the incentive pages keep ticking, and that’s where you get leverage.

Treat every “ends soon” line like a tool, not a trap. You’re shopping numbers, not vibes.

Where January car deals still hide

Subaru’s incentives page shows programs that run through January 2, 2026, and it also lists certified pre-owned finance promos that require delivery by February 2, 2026. See Subaru’s official special offers page.

BMW plays the same game at a higher price point. One of its current finance offers lists 0.90% APR for up to 60 months on a 2026 X3, and it runs through January 2, 2026. Read BMW’s 2026 X3 finance offer.

The fine print matters. These headline rates target “well-qualified customers,” and they often sit next to other offers that don’t stack the way buyers assume. A low APR can replace a cash rebate instead of adding to it. The best deal is the one that wins on the out-the-door price, not the one that looks good on a banner.

So why do “year-end” incentives linger? Because the math doesn’t care about the calendar. Brands need metal moved. Dealers want cleaner lots. Lenders want the easy buyers to sign before they drift away.

January also gives you a situational advantage. Fewer shoppers means more time, more attention, and more room to walk away. If a salesperson tries to start with “what monthly payment do you want,” you’re already losing the thread. Bring the offer page. Ask them to match it line by line. Push the talk back to price.

Here is a quick rundown on some of the other top deals extending into the New Year:

• BMW: BMW still has Certified Pre-Owned financing offers on the table—its own site lists select CPO APR deals valid through 01/02/26 on certain models.
• Mercedes-Benz: Mercedes is still pushing factory “special offers”into the new year (lease/finance promos with listed expiration dates) on its official offers page.
• Nissan: Nissan’s official offers page shows $100 off eligible tires and spells out an offer end date of January 31, 2026, which is exactly the “year-end that didn’t end” vibe.
• Volkswagen: Volkswagen’s tire page is running a January-dated tire promo window (01/01/26–01/31/26)—not a vehicle discount, but still a legit “carryover deal” for owners.
• GMC: GMC’s accessories store lists a 0% promotional APR offer on qualifying purchases and notes it’s valid through 1/5/2026—another “deadline energy” hangover from year-end.
• Chevrolet: Chevrolet’s accessories store runs a similar 0% promotional APR offer and calls out valid through 1/5/2026 on its promo language.

My Verdict

If you want January car, tire, and accessories deals, shop like you’re hiring the dealer for a job, not auditioning for their approval. Get the out-the-door price in writing. Then compare the low-rate loan against the best cash offer with the same discipline you’d use on any big purchase.

Then do the unsexy move that saves you money: sleep on it. If the deal still looks good in the morning, sign. If it doesn’t, walk. Deadlines create urgency, not necessarily value.