All the Cadillac zero-percent interest loans are for 36 months, 48 months, and 60 months.  Zero-percent loans mean you pay nothing in finance charges for the entire term of the loan, which can save you thousands of dollars in the long term, and lower your monthly payment in the short term.

In short, 0% loans are good deals, and are well worth your consideration.

If you want a longer loan (72 months), you can’t get 0% but you still get a very low interest rate, such as 1.9% or 2.9% depending on model.

Currently, the special loan deals are on selected styles of the following 2010 models:

Cadillac CTS

Cadillac DTS

Cadillac Escalade

Cadillac STS

Additionally, Cadillac is offering dealers a special form of factory-to-dealer rebate, sometimes called dealer cash. This is “secret” money given the dealer to help promote, advertise, and discount his vehicles to help improve sales. Normally, most, if not all, of this money ends up in customers’ pockets as a price discount. The amount of the dealer cash on the affected models are in the range of $2000-$3000 per vehicle.

As we read it, there are no restrictions on the dealer cash incentive being used in combination with the 0% APR loans (and low-interest loans) discussed above. In other words, you should be able to get both.

In addition to the dealer cash that comes from the manufacturer (General Motors), you should also be able to negotiate some additional price concessions from the dealer himself.  All combined, low interest rates, dealer cash, and dealer discounts should make June a good month to buy a Cadillac.

You can get free price quotes on any of the above Cadillac cars from Edmunds.com.The quotes will automatically include any cash-back rebates or discounts that are currently available.

General Motors

Deals are especially good on 2009 models, which GM apparently still has plenty of inventory. Don’t expect to see outstanding deals on 2010 models until most of the 2009 models are gone. In many cases, there is very little difference between 2009 and 2010 models. Therefore you can save a lot of money by going with last year’s leftovers. The catch is that you might not be able to get exactly the style, trim level, and color that you want. You are limited to the cars that dealers have in stock.

2010 Models

Let’s look at some of the best General Motors deals on 2010 models first.

 The best rebates of about $2000 are available on a wide range of makes and models, including the Buick Enclave and Lucerne; Chevrolet Avalanche, Cobalt, Impala, Malibu, Suburban, and Tahoe;  all GMC models except Savana and Terrain; and Pontiac Vibe ($3000).

Zero percent (0% APR) loans are available for the Buick Enclave and Lucerne, Chevrolet Avalanche, Cobalt, Impala, Malibu, Suburban, and Tahoe, GMC Yukon, Yukon XL, Sierra, Acadia, Canyon, and Pontiac Vibe.

2009 Models

Now, let’s look at some even better General Motors deals on leftover 2009 models.

Buick LaCrosse and Lucerne – up to $4500 rebate

Chevrolet Avalanche, Impala, Suburban, Tahoe, Trailblazer, Silverado - up to $4000 rebate

Chevrolet Corvette – up to $4000 rebate

Chevrolet Cobalt, Traverse – up to $3500 rebate

GMC Yukon, Yukon XL, Sierra – up to $4000 rebate

Hummer H3 – $6000 rebate, H3T – $5000 rebate

Pontiac (all models) – up to $3000 rebate

Saab 9-3, 9-5, 9-7X – up to $8000 rebate

Saturn Aura, Outlook, Sky, Vue – up to $4000 rebate

Dealer Cash

Furthermore, General Motors is offering some hefty factory-to-dealer cash on some models. These direct-to-dealer rebates typically are passed along to customers in the form of additional price discounts.

2010 Cadillac CTS, DTS, STS, and Escalade – up to $2500 dealer cash

2010 Hummer H3, H3T – up to $3000 dealer cash

2009 Cadillac XLR, XLR-V, Escalade – up to $7000 dealer cash

2009 Cadillac CTS-V, DTS, STS, STS-V – up to $6000 dealer cash

2009 Cadillac CTS, SRX – up to $5000 dealer cash

2009 Hummer H2, H2 SUT – $5000 dealer cash

You can get free price quotes on any of the above vehicles from Edmunds.com.The quotes will automatically include any cash-back rebates or discounts that are currently available.

General Motors

The GM deals are in the form of direct customer cash rebates and low-interest loans, with a number of 0% APR loan deals as well. All the current January incentives end on 2/1/2010.

Here are some of the best General Motors deals at this time:

2010 Buick  Lucern $2000 rebate

2010 Chevrolet Avalanche, Suburban, Tahoe, Cobalt, Impala – $2000 rebate

2010 GMC Yukon, Yukon XL, Sierra – $2000 rebate

2010 Pontiac Vibe – $4000 rebate

2009 Buick Lucerne – $4500 rebate 

2009 Buick Lacrosse – $4000 rebate

2009 Cadillac XLR, XLR-V – $10,000 rebate

2009 Cadillac Escalade – $6000 rebate

2009 Cadillac CTS-V, DTS, STS, STS-V - $5000 rebate

2009 Cadillac SRX – $4000 rebate

2009 Chevrolet Avalanche, Impala, Tahoe – $3500 rebate

2009 Chevrolet Cobalt – $3000 rebate

2009 GMC Yukon, Yukon XL – $4000 rebate

2009 GMC Envoy – $3500 rebate

2009 Hummer H3 – $6000 rebate

2009 Pontiac (most models) – $4000 rebate

2009 Saturn (most models) – $4000 rebate

Furthermore, low-interest loans are available on all the above 2010 models and 0% APR deals available on all the 2009 models above. Of course, you know that you can accept either the rebates or low interest loans, but not both. With these GM rebates being so large, it is usually better to accept the rebate instead of the loan deal, especially if you need down payment money (rebates count towards your down payment).

You can get free price quotes on any of the above GM vehicles from Edmunds.com.The quotes will automatically include any cash-back rebates or discounts that are available at this time.

General Motors

This is a brand new idea in the automotive sales business and is obviously aimed at customers who may have lost confidence in GM’s products. It amounts to a kind of try-and-buy program.

The company is clearly taking a risk but feels that customers will like the cars and not return them.

Here’s the way the program works.

You buy a GM vehicle, drive it for at least 30 days for less than 4000 miles. Then if you don’t like it, you return it before 60 days have expired and you get all your money back.

There are some restrictions. We mentioned the 4000 mile limit. If you exceed 4000, the vehicle loses it’s qualification for the program. Also, if the vehicle has more than $200 in damages or has been involved in an accident, it will be disqualified. Normal wear and tear is okay.

Leased vehicles do not qualify for the program. Vehicles purchased by businesses do not qualify.

It’s also important to know that if you traded an old vehicle and you decide to return your new vehicle, you do not get your old vehicle back.

The GM 60-day Satisfaction Guarantee Program ends November 30, 2009.

UPDATE: For October, GM is offering a $500 factory-to-customer rebate if the customer is willing to waive the 60-day satisfaction guarantee. Unless you are absolutely, positively certain that you will not want to return the car, we don’t advise taking the rebate offer.

Generally, the better deals are on 2009 models where both 2009 and 2010 models are available.

General Motors — Chevrolet, Buick, GMC, Cadillac, Hummer, Saturn, Saab, and Pontiac — has announced a slew of low APR loans, including many 0% deals, and customer rebates on many models. There are no special lease deals in the mix, however.

Let’s take a quick look at some of the GM deals:

Chevrolet – Cash rebates of $1500 are offered on the Chevrolet Cobalt, Aveo, and Tahoe. The Traverse gets you $2000 rebate, and the Equinox, Impala, and Equinox get you $2500. The Trailblazer has the highest rebate at $3500. Additionally, 0% APR loans are offered on nearly all models.

Hummer – Incentives on the Hummer come only in the form of factory-to-dealer cash, sometimes called “marketing support.” As you may know, this is money that a dealer can use in any way he chooses but he usually gives it to customers in the form of price discounts. The Hummer H3T gets $3500, the H2 gets $5000, and the H3 gets $6000. This could make for some nice discounts.

Pontiac – Incentives for Pontiac for September come in the form of customer rebates for all models ($2500, except for the G6 with $3500), $500 factory-to-dealer cash (possible extra price discount), and low-interest loans (2.9% for 12/36/48/60 months).

Saab – The only incentives on Saab models are in the form of high factory-to-dealer cash — $5000 for the Saab 9-3, $7000 for the 9-5, and $8000 for the 9-7X.

Saturn – In keeping with Saturn being known as a “fixed price” brand, there are no direct customer rebates but there are hidden factory-to-dealer cash that ends up being price discounts. Dealers get $3000-$3500 depending on model. 

GMC – Customer rebates are being offered on most models, such as $1500 on the GMC Canyon and Yukon, and $2000 on the Acadia. 0% loans are available on many models as well. For example, the Yukon gets 0% for 12/36/48/60 months.

Cadillac – Most Cadillac models now have some excellent rebates in the range of $2000-$3500 (the Cadillac XLR gets a whopping $10,000 rebate). Most also have alternative 0% APR loan offers for 12/36/48/60/72 months.

Buick – Buick models get direct customer rebates for September, as well as 0% APR loans on the Buick Enclave (LaCrosse and Lucerne get 4.9% APR loans).

You can get free price quotes on any of the above vehicles from Edmunds.com. The quotes will automatically include any manufacturer incentives or discounts that are currently available.

General Motors

However, keep in mind that current incentives can change at any time, even in the middle of the month. So keep a watch here on this web site for later improvements. Chrysler is expected to announce some agressive incentives this week and GM might possibly be waiting to see what it looks like before making any further moves.

The incentives apply to all vehicles in the General Motors stable — Chevrolet, Buick, Pontiac, Hummer, GMC, and Cadillac — and expire on June 1, 2009. All are for 2009 model vehicles.

In general (no pun intended), GM’s incentives are in the form of modest cash-back rebates and semi-low APR loans.

The rebates come in the range of $750 (Saturn) to $1000 and $15000, to $2000 for some models such as the Cadillac DTS.  A couple of exceptions: $7000 cash back on the Chevrolet Suburban and $5000 cash back on the Hummer H3.

There are also some “hidden” rebates that apply if you want to lease. GMAC no longer leases, but most dealers have alternative lease companies (large national banks) through which they can lease. The bank lease deals are not that great, so GM is sweetening the deal with the hidden rebates, which reduces lease prices, which lowers monthly payments and makes for some decent, although not great,  lease deals.

The “low” APR loan deals are not so low — only 6.9%. It’s certainly better than the near 8% normal rate (depending on the customer’s credit score) but nothing to write home about. There are some 0% offers on some selected models in some parts of the country however.

You can get free price quotes on any General Motors vehicles from Edmunds.com. The quotes will automatically include any cash-back rebates or discounts that are currently available.

Although these deals are not exceptional, they certainly make buying a Cadillac easier if that’s what you have in mind. All these deals end 4/30/2009 and require that you take delivery of your vehicle by that date. My guess is that the deals will get better later, depending on the outcome of the current bailout situation, but for now here’s a summary:

$4500 cash back, or 6.9% for 60 months – Cadillac XLR and XLR-V

$4000 cash back, or 0% for 60 months – Cadillac  DTS

$2500 cash back, or 0% for 48 or 60 months – Cadillac Escalade and Escalade Hybrid, and Cadillac CTS

$2000 cash back, or 0% for 60 months – Cadillac ESV and Cadillac EXT

$1500 cash back, or 6.9% for 60 months – Cadillac SRX

$1000 cash back, or 6.9% for 60 months AND $1500 bonus cash – Cadillac STS and STS-V

Note that some of these deals may be regional offers and may be different or non-existent in your area of the country.

You can get free price quotes on any of the above cars from Edmunds.com. The quotes will automatically include any cash-back rebates or discounts that are currently available.

The 2009 CTS currently has a $1500 cash-back deal going on until 3/31/2009, plus there’s another $1000 bonus cash, as well as another $1000 factory-to-dealer cash, some or all of which dealers can pass along to customers. All in all, this makes the CTS one of the best bargains going right now.

If that were not enough, the 2008 leftover Cadillac CTS is going with a $3500 rebate to customers, and $1000 factory-to-dealer cash. This much money off a top-notch quality car like the CTS is simply insane.

There are also low-interest loans available on the CTS which can’t be used along with the $1500 rebate on the 2009 or the $3500 rebate on the 2008.

Understand that these deals might vary depending on where you live, and to what extent your dealer participates in sharing his factory-to-dealer cash.

You can further research the Cadillac CTS and other Cadillac deals at Edmunds.com.