Ask for manufacturer-backed interest rates. If you have good credit, you may qualify for 0% or low-APR financing, which can save thousands over the life of the loan compared to standard bank rates.
Instead of physical freebies, start by asking for financial incentives that lower your total cost of ownership.
If the dealer won't budge on price, ask them to include a bumper-to-bumper extended warranty. 2. Practical Vehicle Add-Ons perks to ask for when buying a new car
Many 2026 models, especially EVs and certain SUVs, currently offer massive cash-back deals ranging from $3,500 to $10,000 to move stagnant inventory.
These physical items are cheap for the dealer but expensive for you to buy later. Ask for manufacturer-backed interest rates
What things can I negotiate when shopping for a car or auto loan?
Request a 2-to-3-year service plan (oil changes, tire rotations, etc.). Dealerships often have "loyalty-based" service visits they can include for free. If the dealer won't budge on price, ask
When buying a new car in 2026, the strategy has shifted from just negotiating the sticker price to leveraging a high-inventory "buyer's market" for additional value. Because dealerships have high profit margins on accessories and service, they are often more willing to throw in these extras to close a deal than they are to further lower the car's price. 1. High-Value Financial Perks