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You might have noticed that automakers’ TV commercials promoting their year-end savings sales have already begun in earnest, with happy people awakening on Christmas morning to find a shiny new car, truck or SUV in the driveway. While the notion of gifting a shiny new vehicle is reserved only for those with extra-deep pockets, anyone the market for a fresh ride can take advantage of what are again becoming lucrative incentives.

Smart shoppers know that 0% APR financing offers are the best deals of all, especially with regard to costlier models, simply because there’s more money involved to save.

The good news here is that we’ve spotted a few more 0% APR deals for December than we’ve seen in quite some time. As always, however, take note that the best financing deals are reserved for those having excellent credit histories and qualifying incomes.

And because automakers’ incentives often vary from one part of the country to another, you’ll want to check a brand’s website or contact a local dealership to confirm what’s being offered locally.

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