Subscription Service: 17% of new car buyers are paying more than $1,000 per month for 84 month payment and 53% of those folks purchased an SUV & 37% purchased a pickup truck. Average new vehicle price just jumped over $50k per car.
Used Car stores are specializing in $25,000 - $35,000 vehicles now.
Every $10,000 financed is about $200 - $250 in car payment depending on your credit, so these used cars are hitting the sweet spot of $400-$500 car payment with required down payment.
New car customer incentives:
Ford
2025 MY
F-150 $500-$2,500 0-8.9%
Ranger $2,000 0-8.9%
F-150 Lightning $1,000-$2,000 0-8.9%
Bronco $500-$2,000 0-8.9%
Bronco Sport, Explorer $500-$1,500 0-8.9%
Super Duty F-250 SRW, 350 DRW, 350 SRW $0-$1,500 0-8.9%
2024MY
Bronco $0-$10,500 0-3.9%
Bronco Sport $0-$6000
Super Duty $0-$8,500 0-3.9%
F150, Expedition, Lighting, Ranger 0-3.9%
GM
2026MY
GMC Sierra 1500 $0-$1,7500.9-13.8%
Chevrolet Silverado 1500 $0-$3,000 1.9-14.6%
Colorado $0-$1,250 1.9-14.6%
Yukon, Yukon XL $0-$7500.9-13.8%
Sierra 2500HD - 3500HD $0-$5000.9-13.8%
Canyon, Hummer EV, Hummer EV SUV 0.9-13.8%
2025MY
Chevrolet Silverado EV $0-$4,000 0-14.4%
Blazer EV $0-$3,500 0-14.4%
Silverado 1500 $750-$3,000 0-14.4%
Colorado $0-$1,250 0-14.4%
Blazer, Suburban, Tahoe $0-$1,000 0-14.4%
Silverado 2500HD, 3500HD, Trailblazer, Traverse, Trax $0-$750 0-14.4%
Honda
2026MY
Ridgeline 3.4-10.3%
2025MY
Pilot, Ridgeline 0-10.3%
Nissan
2026MY
Nissan Frontier $0-$2,0000.9-11.1%
2025MY
Nissan Pathfinder $0-$5,000 0-11.1%
Frontier $0-$3,500 0-11.1%
Toyota
2026MY
Tundra 2WD & 4WD $0-$1,000 0-8.9%
Grand Highlander, Highlander, Land Cruiser, Sequoia 0-8.9%
2025MY
Tundra 2WD & 4WD $0-$3,000 0-8.7%
4Runner $0-$2,000 0-8.7%
Tacoma $0-$500 0-8.7%
Highlander, Land Cruiser, Sequoia 0-8.7%
Mercedes -Benz - you never know
2026MY
G-Class, GLC, GLE, GLS, S-Class, SL, Sprinter Cargo Van, Sprinter Crew Van, Sprinter Passenger Van 2.9-9.2%
2025MY
G-Class, GLE, GLS, S-Class, SL, Sprinter Cargo Van, Sprinter Crew Van, Sprinter Passenger Van 1.9-9.2%
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RAM doesn't seem to be published right now. I believe that they may be getting ready for intense incentives to drive customer business to the dealership to drive down inventory.
I found this example:
$4,000 Total Bonus Cash Allowance on select vehicles in dealer inventory
ON 2025 RAM 2500 TRADESMAN® CREW CAB 4X4 6'4" BOX
Incentive Value
- National Overaged Select Inventory Bonus Cash
$2,000
- National Bonus Cash
$2,000
- Total Bonus Cash Allowance on select vehicles in dealer inventory
$4,000
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Expect the MSRP in general to increase with new model years with added features, but also OEMs passing on tariff costs discreetly. I would expect to see less and less base line vehicles as people are demanding feature rich cockpits & safety equipment with their vehicles. The OEMs can reduce manufacturing costs by reducing variation so everyone gets the same stuff- collision avoidance or rear view cameras are expensive to purchase and install unless you do it for every vehicle spreading the costs and scaling to market for example. Good for most, but some folks still just want a simple vehicle without the $7k price walk in MSRP that that stuff gives.