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OEM incentives · Canada

What's actually on offer right now.

A current snapshot of manufacturer-level incentives on new vehicles sold in Canada — discounted financing, lease cash, loyalty bonuses, and EV rebates. Updated every two weeks. Verify with the dealer before relying on any specific offer; manufacturer terms can change between updates.

Last updated: November 5, 2026
How to use this page

Most manufacturer incentives are time-limited and stack with dealer-level discounts. The amounts shown are the manufacturer's national programs at the time of the snapshot. Provincial EV rebates (where applicable) are listed separately under the EV section. Always confirm with the dealer in writing before signing.

Carsmenskii is not paid by any manufacturer. Inclusion or exclusion from this page reflects what's publicly offered, not a commercial relationship. If a manufacturer is missing, it usually means there's no notable program active.

Notable this cycle

What's actually moving right now.

Cycle of November 5, 2026
01

Lucid Air — now 0% for 72 months on top of the credits

The sharpest luxury-EV deal in Canada this fall. Lucid stretched its 0% APR from 36 months to 72 months on finance or lease across the 2026 Air Pure, Touring, and Grand Touring. The existing stack still applies on top: $10,000 CAD credit (Pure/Touring) or $5,000 (Grand Touring), $4,000 trade-in allowance, $2,500 loyalty for current Lucid owners, plus a $1,000 Air Touring test-drive credit. Cutoff: November 30, 2026 at 11:59 PM ET.

02

Ram 1500 Big Horn — seventh extension + $3,000 Black Friday bonus

Ram extended the 0% promo for a seventh consecutive cycle (May through November) and layered a new $3,000 Black Friday Bonus Cash on select 2026 inventory on top. 0% financing for up to 84 months on Big Horn Crew Cab 4x4 through November 30, 2026. 2027 Ram 1500 has also started incentives: 0% APR (2.73% effective) for up to 48 months through Nov 30. If a new Ram is on your list, it's the cleanest truck financing in Canada.

03

Hyundai IONIQ 5 — new $5,000 stacked bonus (Nov 3 – Nov 30)

Hyundai Canada launched a fresh $5,000 CAD price adjustment on select in-stock 2026 IONIQ 5 Preferred RWD Long Range models, running November 3 – 30, 2026. Stacks with the $5,000 federal EVAP rebate on eligible trims + provincial. Up to $5,000 bonus on KONA Electric Preferred + loyalty incentive both valid through Nov 30. Note: EVAP drops to $4,000 BEV on January 1, 2027 — this window matters.

Finance spotlight

0%APR · 72 months

On a luxury EV — essentially unheard of

Lucid Air (2026) — 0% for 72 months, stacked with the full credit set

72-month term 0% APR $10K credit $4K trade-in Ends Nov 30, 2026

Lucid stretched its 0% APR from 36 to 72 months this cycle while keeping the full stack: $10,000 credit (Pure/Touring) or $5,000 (Grand Touring), $4,000 trade-in, $2,500 loyalty, plus the $1,000 Air Touring test-drive credit and bundled 2-year / 38,000 km maintenance. Above the EVAP cap, so no federal rebate — but the combined giveback clears $20K before you factor in the 72-month 0%. Prior cycle's Bolt lease spotlight ended Oct 26; for November's EV lease play, see the IONIQ 5 Nov 3–30 $5,000 bonus in the EV section.

Filter
Tier · Mainstream

Mainstream brands.

Volume sellers. Incentives are typically modest but consistent — discounted financing on most models, occasional cash incentives on slow movers.

ToyotaConservative
  • RAV4 Hybrid (2026, now hybrid-only): 4.99% APR for 60 months, or 5.99% for 72.
  • Camry / Corolla: 4.99% financing for up to 60 months on most trims.
  • Highlander Hybrid: $1,000 cash incentive + 3.99% financing.
  • GR86 / GR Corolla: No incentives. Allocation-limited; most go above MSRP.
  • Loyalty bonus: $500 for current Toyota owners trading in.
HondaMid
  • CR-V: 2.99% APR for 24–36 months, 3.99% APR for 37–60 months. HFS bonus on LX trims financed through Honda Financial Services (amount and cutoff refresh monthly — confirm current stack).
  • Civic / Accord: 4.99% financing for 60 months.
  • Pilot / Passport: 5.49% financing, $750 lease cash on Pilot.
  • Civic Type R / Integra Type S: No incentives. Markup expected at most dealers.
  • Loyalty bonus: $750 for current Honda owners (Quebec dealers offering up to $1,500).
MazdaYear-End Event · Nov 30
  • CX-5 (2026) — NEW Nov 3–30: $1,000 year-end bonus on select trims + 1.99% lease for 36 months. Or choose a 1–1.5% lease/finance rate reduction via the Mazda rate-or-rebate program.
  • CX-70 (2026) — NEW Nov 3–30: Up to $2,500 year-end bonus on select trims.
  • MX-5 (2026) — NEW: Up to $3,000 year-end bonus on the GS at Quebec dealers (verify equivalent in other provinces); MX-5 also eligible for the rate-or-rebate program nationally.
  • CX-90 MHEV / PHEV: CX-90 MHEV GS leases at 2.99% APR; ongoing Event Bonus Cash on select 2026 trims.
  • CX-50: 3.99% lease + modest cash on slow trims.
  • Mazda3: 4.49% financing.
  • Loyalty bonus: $500 for current Mazda owners. All year-end offers end Nov 30, 2026.
HyundaiAggressive
  • IONIQ 5 Preferred RWD Long Range (2026) — NEW Nov 3–30: Fresh $5,000 CAD price adjustment on select in-stock units, stacking with $5,000 federal EVAP + provincial. KONA Electric Preferred also sees up to $5,000 bonus + loyalty incentive through Nov 30.
  • IONIQ 6 Ultimate (2025 stock only): Up to $16,000 Hyundai Special Offer Bonus, stacked with $5,000 EVAP (eligible) + provincial. 2027 refresh is landing at Canadian dealers now — 2025 stock is the last-chance window. See EV section for full stack.
  • Elantra / Sonata: 0% financing for 48 months on select trims.
  • Tucson / Santa Fe: 2.99% financing + $1,500–2,500 lease cash.
  • Palisade: $2,500 lease cash + $1,000 loyalty bonus.
  • Conquest cash: $1,000 from competitor SUV brands.
KiaAggressive
  • K5 / Forte: 1.99% financing for 60 months.
  • Sportage / Sorento: 3.49% financing + $2,000 lease cash.
  • Telluride: $1,500 cash incentive (uncommon — Tellurides usually move).
  • EV6 / EV9: See EV section for federal EVAP and provincial rebate stack below.
VolkswagenVolksfest extended to Nov 30
  • Atlas Cross Sport (2026) — NEW for November: 0% financing for up to 84 months + $1,000 Volksfest Bonus Cash on select trims. Through Nov 30.
  • Tiguan (2026) — NEW for November: 0% financing for up to 60 months + $500 Volksfest Bonus Cash on select trims. Through Nov 30.
  • Lease rate reduction: Up to 0.50% off the published lease rate on eligible 2026 models, and on 2027 models for lease contracts only.
  • Golf R (2026): 0% financing for up to 24 months + 0.5% loyalty rate reduction (per Ontario dealer listings).
  • Jetta / Golf: Lease from ~$96–$102 + tax/week at 3.99–4.49% for 60 months, $0 down.
  • ID.4 (2026, all-electric): $6,000 Customer Bonus + up to $10,000 in total savings available. Eligible for federal EVAP on qualifying trims. See EV section.
  • Volksfest perks: 3 years of complimentary scheduled maintenance (3 yr / 45,000 km) on new 2026 Atlas, Atlas Cross Sport, Tiguan, or Taos.
SubaruSharp this cycle
  • October lease event — 0.99% for 24 months: On Crosstrek Convenience, Forester Convenience, Impreza Convenience 5-door, Uncharted FWD, BRZ, and Solterra AWD. The BRZ at 0.99% is genuinely unusual — Subaru almost never discounts the twins. If a weekend sports car is on your list, this is a cycle to pay attention to.
  • Outback Touring: 1.99% lease for 24 months.
  • Forester / Outback / Crosstrek (longer terms): 4.49% financing for 60 months remains the default.
  • WRX: No incentive event; WRX often moves at MSRP.
  • Loyalty bonus: Modest $500 on most models.
Tier · Luxury

Luxury brands.

German and Japanese luxury. Incentives here are mostly lease-focused, with the occasional finance promotion on slow-moving inventory. Performance models almost never have incentives.

BMWVerify Nov rates at dealer
  • 330i xDrive Sedan (2026): Lease from 0.49% APR for 48 months. BMW continues to push the 3 Series hard — still the cheapest 3-Series lease in a year.
  • X3 30 xDrive (2026): Lease from 1.99% APR for 36 months, or 2.99% for 48. Includes a 1% rate reduction. BMW welcome offer still active for conquest buyers.
  • X5 xDrive40i (2026): Lease from 1.24% APR for 36 months (down from 1.99% in September), or 2.49% for 48 months. One of the sharpest luxury-SUV leases of the year.
  • X3 M50 xDrive (2026): Lease from 1.49% APR for 48 months (includes 1% sales-event reduction + 0.5% Protect and Save).
  • i4 / iX: See EV section. Stack with the Electric Owners Credit (up to $2,000) if you currently lease/own a competitor EV.
  • M-cars: No incentives. Allocation-limited; M2 and M3 often see modest dealer markups.
  • Loyalty program: Up to $3,000 loyalty credit or up to 2% rate reduction for current BMW owners through BMW Financial Services.
  • November note: BMW's October rate sheet expired Nov 2 and Canadian November rates were not published on BMW.ca at this update. Rates above are the most recent confirmed figures — confirm current November rates at the dealer before signing.
Mercedes-BenzEQE giveback big
  • C 300 4MATIC (2026): Lease from $650/month for 24 months, $0 down — or ~$350 bi-weekly at 2.99% at some Toronto dealers with up to $2,000 in savings.
  • GLC 350e 4MATIC (2026, PHEV): Lease from $724/month for 24 months, $0 down. ~$377 bi-weekly at 3.99% + up to $2,000 in savings.
  • EQE / EQS: See EV section — EQE SUV currently carries up to $20,000 in savings at Ontario dealers, one of the biggest luxury-EV givebacks of the year.
  • AMG models: No incentives.
  • Loyalty bonus: $1,000 for current Mercedes owners.
AudiNov 2 event
  • Q5 TFSI quattro (2026): Lease from 2.98% APR for 48 months (national), with a 1% Event Rate Reduction and $1,000 Audi Event Credit stackable. Dealer-level rates seen as low as 0.98–1.98% at Vancouver and Calgary stores with existing-owner loyalty applied. Event ends November 2, 2026.
  • A4 Sedan (2026): Lease from $717/month for 36 months (CAD).
  • Audi loyalty: 2% rate reduction stackable on the Q5 event for qualifying existing Audi owners.
  • e-tron GT / Q8 e-tron: See EV section for federal EVAP and provincial rebate stack.
  • RS models: No incentives.
LexusConservative
  • ES / IS: 3.99% financing + $1,000 lease cash on select trims.
  • RX / NX: 4.49% financing, modest lease cash.
  • LX / GX: No incentives. Demand outpaces supply on the GX 550.
  • F Sport / F: No incentives.
  • Loyalty bonus: $500–1,000 for current Lexus owners.
GenesisMomentum Event · verify at dealer
  • G70 3.3T Sport (2026): Lease from 0.9% APR for 39 months, ~$678/month at $5,900 down (Ontario dealer listings, Momentum Event). Includes loyalty + cash rebate stack.
  • GV70 (2026): Lease from 2.4% APR for 39 months, ~$558/month at $5,950 down. GV70/GV80 continue to carry $2,000 lease cash on standard trims.
  • GV60 (EV): See EV section — typically eligible for federal EVAP on lower trims + $5,000 customer cash equivalent on U.S. configurations (confirm Canadian terms at dealer).
  • Conquest cash: $1,500 from BMW / Mercedes / Audi owners.
  • Genesis Service Valet (free pickup and delivery for service) included on most trims. Genesis Canada does not publish a dated November offer sheet — verify Momentum Event terms with the retailer before signing.
VolvoBlack Friday push · Nov 30
  • XC40 (2026) — NEW Nov 3–30: Save up to $7,000 CAD on cash purchase of select new 2026 XC40 models. One of the stronger luxury-compact-SUV cash deals of the year.
  • XC60 / XC90 (2027) — NEW: Two waived lease payments on any new, previously unregistered 2027 XC60 or XC90 delivered Nov 3–30. Waiver capped at $1,250/month (XC60) or $1,500/month (XC90).
  • S60 / V60: 3.99% lease + $2,000 lease cash on outgoing.
  • EX30 / EX90: See EV section. No special EX30 or EX90 November offer published on volvocars.com/en-ca — verify at dealer.
  • Loyalty bonus: $1,000 for current Volvo owners.
AcuraMid
  • TLX / Integra: 2.99% financing + $1,500 cash on select trims.
  • RDX / MDX: 3.99% financing + $1,500–2,500 lease cash.
  • Integra Type S: No incentives. Allocation-tight.
  • Loyalty bonus: $500 for current Acura/Honda owners.
PorscheNone
  • No manufacturer-level incentives, by design. Porsche pricing is "MSRP plus options," and dealer-level negotiation is typically 0–5% on standard models, 0% on GT cars and 911 derivatives.
  • The negotiation lever on Porsche is order timing — late in a model year, on standard Cayman / Macan / Panamera trims, dealers may discount to clear allocation. On GT cars, never.
Tier · EVs & rebates

Electric vehicles + rebates.

EV manufacturer incentives stack with federal and provincial rebates. The total can move a $55,000 EV down to ~$45,000 net for a Quebec or BC buyer. Always check the rebate program eligibility for the specific trim — some programs cap by base MSRP.

Federal & provincial rebatesVerify each before relying
  • Federal — Electric Vehicle Affordability Program (EVAP): The federal government's current EV purchase rebate. Re-launched February 16, 2026. In 2026: up to $5,000 for eligible battery-electric vehicles (BEVs), up to $2,500 for plug-in hybrids (PHEVs). Applies to transactions with a final value of $50,000 or less — that's the all-in transaction price, not base MSRP. EVs assembled in Canada have no transaction-value cap. Program runs through March 31, 2031, subject to funding availability ($2.275B total; ~$1.87B remained as of November 1, 2026, meaning roughly $405M has been paid out since mid-May). On January 1, 2027, the BEV rebate drops from $5,000 to $4,000 and PHEV from $2,500 to $2,000 — if you're close to pulling the trigger on an EV, registering before year-end preserves the full 2026 amount. Rebate amounts step down over time — 2026 is the peak. Some early dealer claims have been denied for paperwork errors with no formal appeal — verify your specific trim is on the eligible-vehicle list at tc.canada.ca/en/...electric-vehicle-affordability-program before signing.
  • Federal — ZEVIP (charging infrastructure): Stacks on top of EVAP. Rebates for installing Level 2 home or workplace charging through Natural Resources Canada. Useful if you're buying an EV and don't yet have charging at home — typically $700–1,500 toward charger + installation. Verify at natural-resources.canada.ca.
  • Quebec — Roulez vert: Up to $2,000 for new BEVs with MSRP under $65,000. PHEVs with batteries ≥ 15 kWh: $1,000. PHEVs 8–15 kWh: $500. Used EVs: $1,000. Home charger install: $600. Current amounts apply only to vehicles registered before December 31, 2026; criteria change and amounts decrease January 1, 2027. If you're shopping Quebec, registration date — not order date — is what locks the 2026 rebate. Verify at quebec.ca/...financial-assistance-electric-vehicle.
  • British Columbia — CleanBC Go Electric: Up to $4,000, income-tested (full rebate at household income under ~$80k, scaled to zero above ~$100k). Verify at goelectricbc.gov.bc.ca.
  • New Brunswick: Plug-In NB rebate program. PEI: Provincial EV rebate program. Newfoundland: Provincial EV rebate program. Verify current eligibility and rebate amounts at each provincial site.
  • Ontario / Alberta / Saskatchewan / Territories: No provincial EV purchase rebate active.
  • Manitoba: Provincial EV rebate extended in Budget 2026. Verify current amounts and eligibility with Manitoba Hydro / provincial site before signing.
  • The honest take: Two deadlines are closing fast. Quebec's Roulez vert current amounts expire Dec 31, 2026 — roughly two months away — and the federal EVAP steps down January 1, 2027 ($5K → $4K BEV, $2.5K → $2K PHEV). If an EV is on your list for 2027, registering before year-end is worth up to $3,000 in combined federal + provincial value. Always confirm at the official program pages before signing.
TeslaModel Y RWD now EVAP-eligible
  • Model Y RWD (2026) — now under the EVAP cap: Tesla cut the Canadian Model Y RWD to $49,990, slotting it just under the $50,000 federal EVAP transaction cap (freight & PDI sit outside the calc). Effective price after EVAP: ~$44,990. Quebec stacks ~$2,000 Roulez vert on top through Dec 31. This is the first time Model Y has qualified for the federal rebate.
  • Model Y Premium AWD / Performance: $64,990 / $74,990. Above the EVAP cap — no federal rebate. 1.99% financing for up to 72 months still available.
  • Model 3 Performance: 1.99% financing for up to 72 months. Model 3 Premium RWD eligible for Quebec Roulez vert on Canadian builds.
  • Model S / X and Cybertruck: Above the EVAP base-MSRP cap, no federal rebate. S & X no longer eligible for Tesla's referral benefits.
  • Referral + Canadian Heroes: 3 months of free FSD (Supervised) via an owner's link. $1,000 Canadian Heroes discount for military, first responders, and healthcare workers can stack with referral.
Hyundai / Kia EVMost aggressive
  • Hyundai IONIQ 6 Ultimate (2025 model-year): Up to $16,000 Hyundai Special Offer Bonus, stacked with $5,000 EVAP (eligible trims) + provincial. The 2027 refresh is arriving at Canadian dealers now — the $16K bonus applies to remaining 2025 stock only. If the car's on your list, confirm inventory this week; the window is closing.
  • Hyundai IONIQ 5 / KONA Electric: $5,000 CAD price adjustment Nov 3–30 on select in-stock 2026 IONIQ 5 Preferred RWD Long Range, plus up to $5,000 on KONA Electric Preferred + loyalty, stacked with EVAP + provincial. Best total package on a CUV-shape EV this cycle.
  • Hyundai IONIQ 9: Large flagship 3-row BEV; price typically sits above the $50K EVAP cap unless built in Canada — verify EVAP eligibility on the trim.
  • Kia EV6 / EV9 / Niro EV: The 0.99% August promo has ended. Current finance rates are around 2.99% for 84 months on the EV9 (per Canadian dealer quotes), with Kia Bonus and EVAP still stacking on eligible trims. Confirm current cycle at the dealer — Kia refreshes these monthly. 1% loyalty rate reduction on 2025/2026 EV6 and 2026 EV9.
  • Conquest cash: $1,000–2,500 from competitor EV brands.
BMW EVLease-heavy
  • i4: 3.99% lease + $3,000 lease cash. Some trims eligible for federal EVAP (verify amount).
  • iX: 4.49% lease + $4,000 lease cash. Above the federal EVAP base-MSRP cap (verify current threshold).
  • i5 / i7: 4.99% lease + $3,500–5,000 lease cash. Above the federal EVAP base-MSRP cap (verify current threshold).
Polestar$15K EV Bonus on P4 · Nov 30
  • Polestar 4 Coupe (2026) — NEW: $15,000 EV Bonus on lease or finance through Nov 30. Lease at $759/month, $0 down, 48 months, or finance at 2.99% APR for up to 84 months with the same bonus applied. Starting MSRP $79,850 — above the EVAP cap. Best online-first luxury-EV lease on the page.
  • Polestar 2 (2027): Lease at 0.7% APR for 48 months with a total lease obligation listed at $30,192 on Polestar.ca. Often eligible for federal EVAP (verify trim/MSRP).
  • Polestar 3 (2027): Lease at 6.64% for 48 months, total obligation ~$36,432 per the example on Polestar.ca. Above the EVAP cap on most trims.
  • Loyalty bonus: $1,500 CAD on a new 2027 Polestar 2, 3, or 4 for current Polestar owners/lessees. All offers require delivery by November 30, 2026.
Mercedes EQ / Audi e-tron / Volvo EX / VW ID.4Big givebacks on legacy luxury EVs
  • Mercedes EQE SUV: Up to $20,000 in savings at Ontario dealers — one of the biggest luxury-EV givebacks of the year. ~$637 bi-weekly at 1.99% at some Toronto locations. Above the EVAP cap.
  • Mercedes EQE / EQS sedan: 3.99% lease + $3,000–5,000 lease cash. Above the federal EVAP base-MSRP cap.
  • Audi Q4 e-tron / Q8 e-tron: 3.99% lease + $2,500 lease cash. Q4 sometimes eligible for federal EVAP (verify amount). Audi's October event ended Nov 2 — verify current November Audi offers at the dealer.
  • Volkswagen ID.4 (2026): $6,000 Customer Bonus + up to $10,000 in total VW savings. Federal EVAP eligible on qualifying trims.
  • Volvo EX30: Often eligible for federal EVAP (verify amount). 2.99% finance.
  • Volvo EX90: Above the federal EVAP base-MSRP cap. 4.99% lease + $3,000 cash.
Lucid0% for 72 months · Nov 30
  • NEW for November — 0% APR stretched to 72 months: Lucid extended its 0% APR from 36 to 72 months on finance or lease across 2026 Air Pure, Touring, and Grand Touring, on top of the existing credits. Cutoff: November 30, 2026 at 11:59 PM ET.
  • Air Pure / Touring (2026, cash purchase): $10,000 CAD credit. Financing or lease: $5,000 CAD credit. Excludes Air Sapphire and any MY2027 Lucid Gravity.
  • Air Grand Touring (2026, cash purchase): $5,000 CAD credit.
  • Trade-in bonus: $4,000 CAD for any non-Lucid vehicle (Ineos excluded). Stacks with the above.
  • Loyalty & test-drive adders (NEW): $2,500 CAD loyalty for existing Lucid owners, plus a $1,000 CAD Air Touring test-drive credit through Nov 30.
  • Bundled perks: included 2-year / 38,000 km scheduled maintenance on new purchases and leases, plus $950 CAD Charging Allowance toward Lucid charging accessories.
  • The honest take: 72-month 0% on a luxury EV is almost unheard of in Canada. Total giveback with trade-in and loyalty can clear $20K CAD, plus the service + charging perks. Above the federal EVAP base-MSRP cap on every trim — no EVAP rebate available. Verify inventory availability before signing.
RivianCanada: BC only for now
  • R1T / R1S Canadian availability: Rivian received Transport Canada certification earlier in 2026 and has opened the R1 Shop to British Columbia reservation holders. Service presently runs out of a single Richmond, BC service center. Expansion to the rest of Canada is scheduled for 2027.
  • 2026 R1T / R1S (U.S. terms, likely mirrored): $6,500 USD lease cash + 0% APR on select builds; Rivian also joined the Costco Auto Program in October (U.S. rollout first). No published CAD-denominated incentive sheet — confirm equivalents and whether the Costco member benefit crosses the border before relying on it.
  • 2027 R1 financing: Rivian cut its 2027 R1T/R1S Performance rate to 1.99% APR for November; the $1,500 lease bonus that had applied to most 2026 R1 builds was dropped. Verify Canadian equivalents.
  • Pricing: R1S Dual-Motor lists from USD $77,700 on the Costco listing. Above the Canadian EVAP cap on every trim regardless — no federal rebate available.
  • The honest take: Rivian is the newest online-first entrant in Canada. If you're not in BC, you can reserve but not yet take delivery. Treat all Rivian incentives as unconfirmed for Canada until you have a written quote from the BC team.
Tier · Trucks & SUVs

Trucks and large SUVs.

The most aggressive incentive category in 2026. North American truck inventory has normalised, and OEMs are using cash and financing incentives to move stock. Negotiation room is real here.

FordAggressive
  • Ford Employee Pricing: Ended September 30. November's stack is thinner but the F-150 financing angle has deepened (see below).
  • F-150 (2026) — NEW for November: 0% financing for up to 72 months on well-qualified buyers at Canadian dealers (up from 36 months in October), stacking with up to $2,000 cash back and model-specific rebates for a combined ~$8,000 in total savings. XLT PowerBoost Hybrid trims still see up to $6,750 in rebates + $1,250 in no-charge Ford accessories. Confirm 72-month tier at your dealer — some configurations cap at 60 months.
  • F-150 / Lightning loyalty rebate: Up to $3,000 for current F-150 or Lightning owners buying or leasing a new eligible Ford (tiered $750–$3,000 by tenure). Stack with the F-150 stack above where you qualify.
  • F-150 Lightning: $5,000 cash incentive + eligible for federal EVAP (verify trim eligibility + current amount).
  • Bronco / Bronco Sport: 4.99% financing + $1,500 cash.
  • Mustang GT / Dark Horse: No incentives. Allocation-fine.
  • Loyalty bonus: $1,000 for current Ford truck owners.
GM (Chevy / GMC)Aggressive
  • Silverado 1500 LT (2026): October's $3,000 LT delivery bonus expired November 2, 2026, and GM Canada has not announced an LT-specific November replacement. 0% APR for up to 60 months on well-qualified buyers continues. Watch for a Black Friday bonus mid-month.
  • Silverado 1500 (other trims): 0% APR for 60 months remains the headline. With the LT bonus gone, this cycle is thinner than October — worth waiting a week or two for Black Friday if you can.
  • Silverado 1500 ZR2 (2026): The $14,852 summer rebate ended August 31; still no announced ZR2-specific replacement.
  • Sierra 1500: Comparable 0%-tier financing + cash, but stack varies trim-to-trim — confirm specifics at the dealer.
  • Tahoe / Yukon / Suburban: 2.99% financing + $3,000–5,000 cash.
  • Corvette: No incentives. Allocation-tight on Z06 and ZR1.
  • Cadillac Escalade: 4.99% financing + $5,000 cash on outgoing model years.
  • EV (Equinox EV / Blazer EV / Lyriq): Often eligible for federal EVAP (verify amount) on lower trims, plus $2,500–5,000 manufacturer cash.
Stellantis (Ram / Jeep / Dodge)Big-cash on trucks
  • Ram 1500 Big Horn Crew Cab 4x4 (2026): 0% financing for up to 84 months at participating retailers, extended through November 30, 2026 (seventh consecutive cycle). Still the cleanest 0% truck deal in Canada.
  • Ram 1500 Black Friday Bonus Cash: $3,000 CAD on select 2026 inventory, applied after taxes. Through November 30. Confirm eligible configurations with the dealer.
  • Ram 1500 (2027 model-year): Finance offers now starting: 0% APR (2.73% effective) for up to 48 months through November 30. Ram's new model year is in dealer lots.
  • Ram 1500 (other trims, 2025 model year): 4.99% financing for 96 months on previously unregistered 2025 models. Outgoing-MY clearance; deal varies by inventory.
  • Jeep Wrangler / Gladiator, Grand Cherokee / Grand Wagoneer: Cash and financing programs vary trim-to-trim and month-to-month. Confirm current incentive at the dealer in writing — Stellantis runs the most cycle-volatile programs in Canada.
  • Dodge Charger / Challenger Last Call editions: No incentives. Becoming collector items.
Toyota / Nissan trucks & SUVsConservative
  • Toyota Tacoma / Tundra: 4.99% financing. Modest $1,000 cash on slow trims.
  • Toyota Land Cruiser (returning): No incentives. Markup expected.
  • Nissan Rogue Platinum AWD (2026/2027) — NEW Nov 3–30: $2,000 Lease Bonus Cash on 2026 or 2027 Rogue Platinum AWD. 0% financing for 36 months continues on the base S trim.
  • Nissan Rogue Plug-in Hybrid (2026): Up to $10,000–$12,500 cash purchase bonus on in-stock units earlier this fall — verify at dealer whether the window extends through November (October 1–Nov 2 was the original cycle).
  • Nissan Leaf (2026): Up to $5,000 federal EVAP on transactions of $50K or less, 48+ month terms, through Dec 31, 2026 (or until funds exhausted). Confirm trim eligibility.
  • Nissan Frontier / Titan: 3.99% financing + $2,500 cash on outgoing model years.
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