{"_note":"Financing deals this month (build-deals.py -> site/car-deals-this-month.html). Refresh in the first week of each month from CarsDirect / Autotrader / KBB / FindTheBestCarPrice roundups and the manufacturer offer pages; every row needs an expiry and a source. kind: apr | cash | lease.",
"month":"October 2026","asof":"2026-10-27","expires":"Most offers end Nov 2–4, 2026",
"src":[["CarsDirect: best 0% APR deals, October 2026","https://www.carsdirect.com/deals-articles/best-zero-percent-financing-deals"],["Autotrader: best car deals, October 2026","https://www.autotrader.com/car-deals/best-new-car-deals-281474979990473"],["FindTheBestCarPrice: October 2026 deals","https://www.findthebestcarprice.com/best-car-deals/"],["Kelley Blue Book: best EV deals, October 2026","https://www.kbb.com/best-cars/best-electric-car-deals/"]],
"deals":[
 ["Kia","Niro EV","apr","0% for 72 months + $3,500 cash","Nov 2","The month's best combined offer: zero interest and cash on the same car."],
 ["Chevrolet","Silverado 1500","apr","0% for 60 months","Nov 2","Full-size truck at zero; stacks with trade assistance in some regions."],
 ["GMC","Sierra 1500","apr","0% for 60 months","Nov 2","Same program as the Silverado."],
 ["Hyundai","Santa Fe","apr","0% for up to 60 months","Nov 3","Three-row at zero while inventory is up."],
 ["Hyundai","Tucson","apr","0% for up to 60 months","Nov 3","Compact SUV; hybrid excluded in most regions."],
 ["Mazda","CX-90 (gas)","apr","0% for 60 months","Nov 2","Most of the country; PHEV has a separate lease deal."],
 ["Land Rover","Range Rover Velar","apr","0.9% for up to 72 months + up to $2,000 conquest cash","Nov 2","No trade-in required for the conquest cash."],
 ["Subaru","Solterra","apr","0% APR","Nov 2","EV clearance; check lease too."],
 ["Ford","Mustang Mach-E","apr","3.9% APR + $1,500 cash","Nov 2","Rate plus cash on a 2026 model."],
 ["Audi","RS e-tron GT","cash","Up to $20,000 cash back","Nov 2","Largest cash offer tracked this month."],
 ["Volkswagen","ID.4","cash","Up to $12,500 cash back","Nov 2","Large EV rebate as the credit-free market resets."],
 ["Mazda","CX-90 PHEV","lease","Top lease value this month (lease ratio 0.94%)","Nov 2","Lease payment under 1% of MSRP per month."]],
"howto":["0% APR usually replaces the cash rebate; run both through the loan comparison calculator with your bank's rate to see which is cheaper.","Offers are regional and change on the 1st; the dealer's quote must show the program, not just the payment.","Longer 0% terms (72 months) keep you underwater longer; take the shortest term you can afford.","Conquest and loyalty cash require proof of ownership of a competing or same-brand vehicle."]}