GM/Ally 0% APR

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Cadillac SRX Second Generation Forum (2010-2016) Discussion, GM/Ally 0% APR in Cadillac SRX / XT5 Forums; I see that Ally is again doing 0% APR financing for 5 years on a new 2013 Cadillac. This is ...
  1. #1
    300:29:1 is offline Cadillac Owners Enthusiast
    Automobile(s): 2012 SRX Luxury w/NAV
    Join Date
    Oct 2009
    Syracuse, N.Y.

    GM/Ally 0% APR

    I see that Ally is again doing 0% APR financing for 5 years on a new 2013 Cadillac. This is the offer that I took advantage of exactly 1 year ago when I purchased my 2012 SRX. How can they afford to do this? Do they really make any money this way? Someone please explain how this works.

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  3. #2
    Maximumkk is offline Cadillac Owners Fanatic
    Automobile(s): 2014 SRX Premium AWD - Silver Coast w/ Shale-Brownstone
    Join Date
    Oct 2011
    Winnipeg Manitoba

    Re: GM/Ally 0% APR

    Discounts occur at both ends. Dealer will take discount off MSRP at his end, and will lose some profit to make the sale, but still makes profit. Discount will vary from person to person, depending on negotiating skills.

    GM/Ally ("head office") gives discount to the dealer which is then passed on to the buyer, done as advertized discounts for everyone. GM only gives either cash discount (sometimes large), or discounted interest rate. But not both at same time. Discount given by GM/Ally still leaves them profit above their manufacture cost.


  4. #3
    TheCaptain's Avatar
    TheCaptain is offline Canadian ATS & SRX Mod
    Automobile(s): 14 ATS AWD 3.6L Performance - Son of a Gun Grey Metallic
    Join Date
    Aug 2009
    Moosomin Saskatchewan

    Re: GM/Ally 0% APR

    And 0% is never 0. It's usually .1%
    When you turn your car on, does it return the favour? '14 Cadillac ATS Performance 3.6L AWD in Son of a Gun Grey Metallic and Morello Red Interior

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  6. #4
    SRXgirl2011's Avatar
    SRXgirl2011 is offline Cadillac Owners Member
    Join Date
    May 2012
    Many people get screwed paying high interest rates. I think 0% is great!

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