GM Brings Back Zero Percent Financing on Cadillac Lineup

General Motors rolled out zero percent financing across nearly the entire Cadillac lineup this week, marking the first time since early 2023 that the brand has offered rates this low. The program runs through September 30 and covers everything from the CT4 sedan to the Escalade, with terms extending up to 72 months on select models.

This is a big deal. Cadillac has spent the past two years playing hardball on pricing, banking on strong demand for the Lyriq EV and refreshed Escalade to keep transaction prices high. That strategy worked until about six weeks ago, when dealer inventory started piling up and competitors began slashing rates. Now GM is bending.

What You Should Do

If you've been eyeing a Cadillac, this is your window. Zero percent financing saves you thousands compared to the 6.5% to 7.5% rates most buyers are seeing right now on conventional auto loans. On a $60,000 Lyriq financed for 60 months, you're looking at roughly $10,000 in interest savings versus a typical 7% loan.

The catch is that these deals typically require excellent credit, usually a 740 score or higher. You also can't stack zero percent with most other rebates, so run the math both ways. Sometimes taking a $3,000 rebate and financing at a lower market rate beats the zero percent offer, especially if you can refinance later when rates drop further.

Don't sleep on this. Cadillac dealers have been sitting on inventory for weeks, which means they're motivated to move metal. Combine this factory rate with end-of-month dealer pressure, and you've got real negotiating room on the price itself. Just avoid stretching to 72 months if you can help it. Longer terms mean you're underwater longer, and luxury cars depreciate faster than the average sedan or truck.