Chevrolet, Buick, Cadillac, GMC Offer Low Car Loan Rates in January

General Motors is featuring incentives for returning customers in January. On top of its 0 percent and low auto loan rates, discounted leases and cash back rebates, GM is offering loyalty cash for owners who decide to buy or lease a new GM vehicle again.

Chevrolet is featuring interest-free car loans on most remaining 2010 cars, trucks, SUVs and crossovers, with some up to 72 months long. Select new 2011 models are being offered with low car loan rate incentives. Cash back up to $3,500 is also available on select Chevy models in January.

Chevrolet has lease incentives on its 2011 Malibu LS and Cruze LS in January. The Malibu can be leased for $199 a month for 39 months with $1,999 due at signing. The Cruze is $159 a month for 39 months with $1,529 due at lease signing.

Chevrolet’s owner loyalty cash is good for $1,000 on most 2010 and 2011 Chevrolet models. To qualify, you have to own or lease a 1999 or newer GM vehicle. The loyalty cash is not good on the Volt and Camaro convertible. But the offer can be combined with Chevy’s lease, auto loan and cash back incentives.

Chevrolet Cruze

The 2011 Chevrolet Cruze can be leased for $159 a month in January.

Buick is offering 0 percent financing on the 2010 Lucerne and Enclave in January. Buick’s 2011 models have low auto loan rates this month, except the 2011 Enclave, which also has 0 percent financing.

If you’d rather lease a new Buick, you can take advantage of a $249 monthly lease payment on the Regal this month. The Regal’s lease is for 39 months with $2,079 due at signing. The 2011 LaCrosse is $309 a month for 39 months with $2,104 at signing, while the 2011 Enclave is $399 a month for 39 months with $2,459 at signing.

Buick is also offering $1,000 in owner loyalty cash on top of its January incentives. Owners must provide proof of current ownership or lease of a 1999 or newer model year Chevrolet, Buick, GMC, Cadillac, Pontiac, Saturn, Hummer or Oldsmobile vehicle. You’re not required to trade in the vehicle to receive the $1,000.

GMC has 0 percent car loan rates for up to 60 months on its 2011 Acadia, Canyon and Sierra in January. The 2011 Yukon and Savana have 2.9 percent financing, while the Terrain is 4.9 percent. Customer cash up to $2,500 is also available in January if you have your own financing or want to pay cash.

Lease incentives are available for 39 months on the 2011 Terrain, Acadia, Yukon and Sierra in January. The Terrain can be leased for $299 a month, while the Acadia is $339 a month. The Sierra is also $299 a month and the Yukon is $449 a month. You’ll need about $2,200 to $3,000 at lease signing.

GMC’s $1,000 owner loyalty incentive is good on 2010 and 2011 new vehicles. It’s also good on top of GMC’s January auto loan, lease and cash back incentives.

Cadillac doesn’t seem to be offering the $1,000 owner loyalty incentive, so check with your local Cadillac dealer if you’re interested.

Cadillac is featuring 1.9 percent auto loan financing for up to 36 months on its 2011 vehicles in January. Cadillac also has lease deals for 39 months on all five of its 2011 models this month. Monthly payments range from $349 to $699, depending on the vehicle. You’ll need about $2,000 to $5,000 at lease signing.

Incentives listed are for the southeast region. They may differ depending on where you live. Check GM’s brands’ sites to find the incentives in your area.