Top new car lease and finance deals for November 2012

As the year winds down, car dealers are trying to clear as much aging 2012 inventory off their lots as possible. Manufacturers are helping them make room for newer 2013 models by offering a terrific assortment of lease and finance deals meant to entice new-car shoppers into making a purchase.

These promotional deals can take the form of cash back (that can help increase your down payment) or low financing rates for defined terms. Meanwhile, leasing deals typically offer the new-car shopper a choice between a low down payment or low monthly payment for a nice short term to keep your out-of-pocket automotive expenses minimal.

Some automakers are even offering 0% financing and other super-low interest rates and thousands of dollars in cash incentives on a wide range of popular vehicles including luxury trucks and SUV's as well as small fuel-efficient vehicles.  Keep in mind that incentives and leasing programs are subject to change by region and should be confirmed with your dealer, as they can affect your final price.

If you’re shopping for a new car in November, we suggest you take a look at the following 10 manufacturer lease and finance incentives: perhaps these opportunities for savings will help you decide between a lower monthly lease payment or lower upfront and financing costs to get you into your next new car.

Top Lease Deals on New Cars – November 2012

2012 Fiat 500

$199/month for 42 months with $0 down
12,000 miles/year
Expires: 12/3/12

There's much to love about this tiny little car that's super big on fun and style. The four-seat Fiat features a 101-horsepower/1.4-liter four-cylinder engine mated to a standard five-speed manual transmission or optional six-speed automatic, and even though it offers super sporty performance, the teensy Fiat also boasts fuel economy of 30 mpg city, 38 mpg highway, and 33 mpg combined.
 
2013 Volkswagen CC

$319/month for 42 months with $0 down
10,000 miles/year
Expires: 11/30/12

Volkswagen's elegant luxury sedan features sleek coupe styling and sporty performance thanks to a 200-horsepower/2.0-liter TSI engine mated to either a six-speed manual or a six-speed DSG dual-clutch automatic transmission. Inside, the CC's stylish cabin boasts luxurious materials and rich textures, and a comfortable drive that is rated at 21 mpg city, 32 mpg highway, and 25 mpg combined.

2013 Chevrolet Cruze

$179/month for 36 months with $3,329 down
12,000 miles/year
Expires: 1/2/13

It’s easy to see why so many people refer to the Chevy Cruze as a “Mini Malibu.” It’s not fancy or expensive, but it’s a likeable little compact sedan that provides everything a buyer wants in its affordable segment. The Chevrolet Cruze offers peppy driving quality, comfortable interior with room for five, safety, and connectivity, all while sharing the attractive design cues introduced with Chevrolet’s redesign of its larger sibling, the Malibu. Standard is a 138-horsepower Ecotec 1.8-liter four-cylinder engine promising 25 mpg city / 36 mpg highway / 29 combined (with manual transmission) or 22 mpg city / 35 mpg highway / 27 combined (automatic).

2013 Hyundai Sonata

$245/month for 36 months with $0 down
12,000 miles/year
Expires: 11/30/12

Powered by a standard 198-horsepower/2.4-liter four-cylinder engine mated to a six-speed manual transmission, the 2013 Hyundai Sonata boasts room for five inside, and a trunk that holds up to 16.4 cubic feet of stuff. Fuel economy is rated at 22 city, 35 highway, and 28 mpg combined, making this an affordable car to fuel as well as to own, especially with a starting MSRP of $21,770 (including delivery) and a lease payment of $245 for 36 months and $0 down. Meanwhile, Hyundai's standard Blue Link technology provides convenient features accessible through the car, on your smartphone, or over the web that offer assurance, safety, and diagnostics like automatic crash notification, SOS emergency notification, enhanced roadside assistance, theft protection, parental controls, turn-by-turn navigation, traffic, weather, and an eco-coach system which advises on how to improve driving techniques.

2013 BMW 328i Sedan

$339/month for 39 months with $3,814 down
10,000 miles/year
Expires: 1/2/13

BMW's 328i stylish sedan delivers plenty of rear-wheel-drive performance thanks to a 240-horsepower/2.0-liter four-cylinder twin-turbocharged engine mated to an eight-speed automatic transmission that delivers you from 0 to 60 mph in 5.9 seconds. Meanwhile BMW's spirited sixth-generation 3 Series sedan also boasts fuel efficiency of 23 city, 33 highway, and 26 mpg combined.

Top Finance Deals on New Cars – November 2012

2012 Chevrolet Traverse

0% financing for 72 months or $2,000 customer cash
Expires: 1/2/13

Chevrolet's three-row Traverse crossover utility vehicle is powered by a 281-horsepower/3.6-liter V-6 engine mated to a six-speed automatic transmission. The eight-seat Traverse boasts 24.2 cubic feet of storage behind the third row, and up to 116.3 cubic feet with the second and third rows down. Fuel economy figures are also in the middle of the list, with 17 city, 24 highway, 19 miles per gallon combined.

2012 Honda Civic

0.9% financing for 24-60 months
Expires: 1/2/13

With a manufacturer's suggested retail price of  $19,395 Honda's popular Civic is the least expensive car on the list. The Civic is big on fuel economy but compact on interior space, boasting fuel economy rated at 28 city, 39 highway, and 33.1 combined miles per gallon, but offering only 94.6 cubic feet of passenger space inside. Add it all up, and the Honda Civic is an ideal entry-level car at an entry-level lease price.

2012 Acura MDX

0.9% financing for 60 months
Expires: 1/2/13

The Acura MDX is a midsize seven-passenger luxury SUV that offers sporty handling, a spacious interior, and a plethora of high-tech features for hard-to-impress drivers.  Rated at 16 mpg city / 21 mpg highway/ 18 mpg combined, the Acura MDX provides above-average seating and storage space as well as abundant cargo space in its three rows. With its MSRP of $43,925, the MDX is one of the priciest vehicles on this month's list, making its 0.9% financing for 60 months an affordable option.

2013 Dodge Dart

1.9% financing for 36 months
Expires: 12/3/12

The all-new midsize Dodge Dart sedan embodies class-leading and class-exclusive features in many areas including aerodynamics, technology, and safety. The Alfa Romeo-based Dodge Dart has sporty driving dynamics baked into its DNA, and is offered in six trim levels with a starting U.S. Manufacturer’s Suggested Retail Price (MSRP) of $15,995. Drivers can select from a new 160-horsepower/2.0-liter engine, a 160-horsepower/1.4-liter Intercooled Turbocharged engine, or a new 184-horsepower/2.4-liter engine mated to a choice of six-speed manual, six-speed automatic or six-speed dual dry clutch (DDCT) transmission.
 
2012 Chevrolet Silverado 1500

0% financing for up to 60 months or up to $3,500 cash back, depending on the model
Expires: 1/2/13

The 2012 Chevrolet Silverado is a versatile pickup truck that offers a variety of three cab styles, three cargo bed lengths, five efficient powertrains, and convenient connective technology, allowing it to be configured to serve any driver’s needs. The Chevrolet Silverado comes standard with a 195-horsepower/4.3-liter, six-cylinder engine that promises fuel economy of 14 city, 19 highway, and 16.4 mpg combined.