Vehicle Shopping Season: Why Fall is Perfect for Auto Loans
As the leaves begin to change in central Wisconsin and the back-to-school hustle settles into routine, fall emerges as one of the smartest seasons for vehicle shopping. Whether you're eyeing a reliable family car or considering your first truck purchase, September through December offers unique advantages that savvy buyers can leverage to save thousands.
Model Year Clearance Creates Real Savings
While the traditional "all new models debut in fall" approach has evolved, August and September are when automakers make the most decided transition to new models. This timing creates excellent opportunities for buyers willing to consider the previous model year.
Why dealers are motivated to move inventory:
Space pressure - Dealers need room for incoming 2026 models
Annual sales targets - September through December represents the final push to meet yearly quotas
Financing incentives - Manufacturers often provide their best promotional rates during clearance periods
Examples of current September 2025 incentives:
0% APR financing available on models like the 2025 Hyundai Sonata, 2024 Dodge Hornet R/T, and Subaru Solterra through dealer financing
Cash back offers up to $10,000 on luxury models like the INFINITI QX80
Regional deals like Ford Escape PHEV models with $5,500 bonus cash in some areas
Low-rate financing such as 1.99% APR on the 2025 Kia K5
These deals typically expire September 30, making fall timing crucial for maximum savings (the examples above may not reflect the current offers available. Please consult with the dealer or manufacturer offering the incentive for accurate details).
Current Market Conditions Favor Buyers
The September 2025 automotive landscape presents unique opportunities for fall shoppers. As new 2026 models start pouring in, dealerships need to get rid of the 2025 vehicles, creating excellent conditions for model-year clearance deals. As new models arrive at car dealerships, more deals are popping up on outgoing models.
What this means for you:
More negotiating power with dealers on 2025 inventory
Significant manufacturer incentives on select models
0% APR financing deals available on multiple models through September 30
Strong trade-in values due to used car market conditions
Strategic Timing for Maximum Benefit
September through December 2025: Prime timing as dealers clear 2025 inventory for incoming 2026 models
October through November: Peak clearance season with maximum dealer motivation
Black Friday weekend: Dealerships extend retail shopping momentum to automotive deals
According to industry analysts, "With tariffs looming and automakers already announcing increased MSRPs, the answer to almost all questions is to buy right now. Waiting will only make buying more difficult as we're already seeing a downward trajectory of new car inventory, which will result in lower discounts."
Pro tip: Complete your research and test drives before holiday weekends, then close the deal during the busy periods when salespeople are most motivated to hit their targets.
PSCU Auto Loans: Your Financing Advantage
Public Service Credit Union offers competitive auto loan rates that can enhance your fall shopping strategy. With our current rates starting as low as 4.99% APR for 24-month terms on titled collateral, you're positioned to take advantage of both dealer incentives and quality financing.
Our auto loan benefits:
Quick approval - Typically within 24 hours with complete application
100% financing available for vehicles ten years and newer
Flexible terms - Choose what works for your budget
Local service - Work directly with our Wausau team who understand the central Wisconsin market
No application fees - Keep more money in your pocket for your down payment
When Refinancing Makes Sense
Fall isn't just perfect for new purchases—it's also an ideal time to evaluate your current auto loan. If interest rates are high, or if you're close to paying off your loan, then it may make more sense to stick with your current lender, but many borrowers can benefit significantly from refinancing.
Consider refinancing in fall 2025 if:
Your credit has improved since your original loan
You financed through a dealer at a marked-up rate
You're paying above current market rates - with rates ranging from 5.50% to 7.7% depending on credit and term
Your financial situation has changed and you need lower monthly payments
You have positive equity in your vehicle, which lenders view favorably
Because dealers tend to offer loans at a markup to make a profit, you may have a much higher rate than you would if you'd shopped at a bank or credit union. Our refinancing options can potentially save you hundreds or even thousands over the life of your loan.
“Pro tip: Complete your research and test drives before holiday weekends, then close the deal during the busy periods when salespeople are most motivated to hit their targets.”
Smart Shopping Strategies
Research before you visit: Know the invoice price, typical incentives, and financing options for your target vehicles. Use resources like JD Power or KBB to understand fair market value.
Get pre-approved: Having PSCU financing in place gives you negotiating power and prevents dealer markup on financing. Our pre-approval is good for 30 days, giving you time to shop with confidence.
Consider total cost, not just monthly payment: A lower monthly payment with a longer term might cost more overall. Our loan officers can help you find the right balance for your situation.
Don't ignore certified pre-owned: CPO vehicles often come with extended warranties and have been thoroughly inspected, offering new-car peace of mind at used-car prices.
Special Considerations for Wisconsin Buyers
Living in central Wisconsin presents unique vehicle considerations that fall shopping can address:
Winter readiness: Fall purchases give you time to add winter-ready tires or all-wheel drive features before harsh weather hits
Inventory availability: You'll find plenty of vehicles from brands like Ram, Lincoln, Audi, and Mitsubishi, though popular Toyota, Lexus, and Honda models may have limited availability
Local service: Establishing your loan with PSCU means working with people who understand Wisconsin winters and rural driving conditions
Making Your Move
Fall vehicle shopping combines seasonal dealer motivation with your own financial preparation. Whether you're buying your teenager's first car or upgrading to a truck for winter hauling, the timing advantages are clear.
Ready to get started?
Call us at (715) 842-9865 to discuss pre-approval
Email our lending team at loans@publicservicecu.org
Visit our Wausau branch to review current rates and terms
Current market conditions won't last forever, and the best fall deals typically surface between now and early December. By pairing seasonal shopping advantages with PSCU's competitive financing, you're positioned to drive away with both the vehicle you want and terms you can feel good about.
Remember, our team knows the local market and can help you navigate both dealer incentives and our financing options to maximize your savings. After 90 years of serving central Wisconsin families, we understand that a car purchase is more than just a transaction—it's about finding reliable transportation that fits your life and budget.
Current rates subject to change. Visit publicservicecu.org/rates for the most up-to-date information. All loans subject to approval and membership requirements.