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Are you sure that Black Friday a good time to buy a new car? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering interactive tools and financial calculators, publishing original and objective content. We also allow you to conduct research and compare information for free to help you make informed financial decisions. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The offers that appear on this site come from companies that compensate us. This compensation may impact how and when products are featured on this site, including, for example, the order in which they appear within the listing categories and other categories, unless prohibited by law. This applies to our loans, mortgages,, and other home lending products. This compensation, however, does have no impact on the information we publish, or the reviews you read on this site. We do not cover the entire universe of businesses or financial deals that could be available to you. martin-dm/Getty images
3 min read . Published November 21, 2022
Rae Hartley Beck Written Rae Hartley Beck Written by Contributing writer Rae Hartley Beck is a writer and editor with over 8 years experience working in personal finances. Her work has most recently appeared on Bankrate, MoneyWise and Investopedia. Rae specializes on credit card reward, investing, real estate and home improvement, lending and financial advice for millennials, Gen Z, Gen Alpha and their parents. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping their readers to control their finances by providing concise, well-researched and accurate information that breaks down complicated topics into bite-sized pieces. The Bankrate guarantee
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You have money questions. Bankrate can help. Our experts have been helping you manage your finances for more than four decades. We continually strive to provide consumers with the expert advice and tools needed to be successful throughout their financial journey. Bankrate follows a strict , so you can trust that our content is honest and reliable. Our award-winning editors, reporters and editors produce honest and reliable content to help you make the best financial decisions. The content created by our editorial staff is factual, accurate and uninfluenced through our sponsors. We’re transparent about the ways we’re able to bring quality information, competitive rates and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods and, services, or by you clicking on specific links on our site. Therefore, this compensation may influence the manner, place and when products are listed in the event that they are not permitted by law for our mortgage, home equity and other home lending products. Other elements, like our own website rules and whether a product is offered in the area you reside in or is within your personal credit score could also affect the manner in which products are featured on this website. Although we try to offer an array of offers, Bankrate does not include specific information on every credit or financial product or service. Black Friday is a time for incredible savings and bargains, which is especially important due to the recent rise in inflation prices. Car prices have risen 6.3 percent since last year , and 42.5 percent in September 2022 , beginning February 2020, according to . If you’re looking to save money in the near future and can be flexible across brands, Black Friday can be an ideal time to purchase cars. Is Black Friday a good time to purchase a car?
Black Friday could be a good time to buy cars if you can manage to find a deal on the car you want . There are more people shopping for cars than are cars available, which means that huge discounts are likely to be difficult to snag.
Black Friday car deals differ by manufacturer Black Friday car deals are usually announced and set at the manufacturer level, but local dealerships and large regional chains may also run their own deals. Black Friday deals usually concentrate on financing, credit and reduced prices. Financing deals Financing deals are among the most popular Black Friday car deals. They are typically offered by the company that makes the deal — Chrysler Capital, Toyota Motor Credit Corporation, Ford Motor Credit Company and similar. The most frequently advertised deals offer no down-payment, and no payments for a long time. The financing offers are only available on approved credit. The more favorable the deal is, the higher your credit score is to be able to be eligible. These deals will usually have an equivalent dollar-off discount even if you do not go for promotional financing. If you’re planning to finance a car, you may prefer taking more money off the purchase price. There are many non-financing deals. Some manufacturers and dealers will offer a specific amount off the Manufacturer’s Suggested Retail Price (MSRP) on Black Friday. They also sometimes advertise that they will offer a higher value for eligible vehicle trade-ins. A higher value for trade-ins lowers the amount you have to pay for sales tax on the vehicle you purchase, which can be as high as 11.45 percent, depending on your state and city. Leasing offers In addition to buying deals, Black Friday car shoppers are also able to benefit from lease offers. If you opt for leasing , you may get lower monthly installments, lower money down, or higher mileage limits with a Black Friday promotion. Black Friday isn’t the ideal time to purchase a car. The chip shortage that initially was a major factor in the availability of cars is beginning ease up, but that doesn’t mean cars are as accessible as they were pre-pandemic. There is a shortage of vehicles, which effectively makes it a . Based on the particular model, make and trim that you’re after, you could still be facing a months-long waiting list. If you’re very set on one particular car and need to purchase it and delivered to the dealership, they have no incentive to give you the best price on Black Friday. If you’re open to different types of makes, models and styles and models, you might be able to negotiate better prices around New Year’s Eve and Christmas as opposed to Black Friday. The current car buying climate In addition to general inventory shortages and a general lack of supply, the current market is not ideal when you’re planning to finance your car. If you don’t have cash, you’ll pay significantly more in interest to purchase an automobile now than you would have in 2021. The cost of buying a car could be reduced, dealers will be more motivated to reduce costs. The interest rates are also likely to be reduced to address the effects of a recession. If you don’t require an automobile, you might prefer to stay clear of Black Friday car sales this year, and continue to save cash. Even if interest rates remain high it will be possible to save more money and cut down on the cost of financing. Before you go to the dealership if you require financing for a vehicle. This will give you an idea of your budget and price range. Arrive with as much knowledge as you can. You might find that you qualify for attractive interest rates by using the internet-based bank, or . This gives you the ability to negotiate for an even lower price for your purchase If you don’t have to hunt for any specific promotional financing the dealership is offering. You can quickly determine how much car you can pay for and the interest rates across multiple lenders by using our prequalification tool. It takes only a few minutes and won’t harm your credit score. The bottom line is that if you need a car soon and are open to change, Black Friday deals can be discovered. But don’t expect that they will be as good as they were pre-pandemic. If you can wait for a while, you might be able to find more favorable prices towards the time of the year’s end or the following year, when stock becomes more plentiful.
Written by Contributing author Rae Hartley Beck is a writer and editor with over eight years of experience in personal financial matters. Her work has most recently appeared within Bankrate, MoneyWise and Investopedia. Rae specializes with credit card points as well as real estate investing as well as home improvement, lending and financial guidance for millennials Gen Z, Gen Alpha and their parents. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers feel confident to take control of their finances through providing precise, well-researched and well-documented facts that break down otherwise complex topics into manageable bites.
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