While you can technically buy a car any time of the year, early fall consistently stands out as one of the smartest times to shop. Here’s why the months of September and October give car buyers a unique advantage.
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Fall Auto Loan Promo: Earn $200*
Limited-time offer: From Sept. 22, through Oct. 31, you can earn $200 when you finance your auto loan with us and purchase an extended warranty.
Apply for an auto loan online
New models hit the lot
Automakers typically release new model years in late summer and early fall. As a result, dealerships need to make room for fresh inventory. That means the current year’s models (still brand-new but technically “last year’s) often get generous discounts. If you’re not fixated on having the absolute newest version, you can save thousands.
Dealers are motivated to clear inventory
Dealers face pressure to move cars off the lot quickly, especially when the new shipments arrive. That creates opportunities for buyers to negotiate better deals on both new and certified pre-owned vehicles. You’ll often find incentives like cash rebates, low-interest financing or extra trade-in value to help move older stock.
End-of-quarter sales push
Early fall overlaps with the end of the third quarter (September), when dealerships are eager to hit sales goals. Sales teams may be more flexible on pricing to meet their quotas, which can translate to better bargains for you.
Bigger selection than year-end
While year-end sales events are well-known, waiting until December often means you’ll be choosing from what’s left rather than what you want. In early fall, you still have a wide selection of trims, colors and features, while still benefiting from discounts.
Trade-in values hold stronger
Because the used-car market typically cools later in the year, trading in your vehicle in early fall can earn you more. Demand for used cars is still steady, and dealers may be more willing to offer competitive trade-in values to close a deal.
More comfortable shopping
On a practical level, early fall is simply a pleasant time to shop. The weather is cooler, making test drives more enjoyable. Plus, dealerships are usually less crowded than during big holiday promotions.
The bottom line
Buying a car is a major decision, but choosing the right time of year can help you maximize your budget. Early fall offers sweet spot because you get:
- Access to discounts on outgoing models
- Strong trade-in values
- Motivated dealers
- Plenty of choices
If you’re in the market, and want to earn a cool extra $200 when you finance with us and purchase an extended warranty, this might just be the season to drive away with the best deal.
Apply for an auto loan online
*To qualify for the $200 promotional offer, financing must be at least $5,000 and application must be submitted between September 22 and October 31, 2025. An extended warranty must also be purchased through Route 66, our authorized provider. Extended warranty must be purchased at the time of origination to qualify for incentive. The $200 will be deposited within 60 days of loan closing if all requirements are met. Subject to credit approval. Membership eligibility is required. Proof of income may be required. Offer must be mentioned at time of application.
