You can often get an incentive in the form of ultra-low interest rates. We're talking zero to five percent for up to 72 months. Remember that factory to customer incentive programs vary by every manufacturer. Low interest financing that offers an attractively low annual percentage rate (APR), is usually reserved for customers with top of the line credit scores. In other words, if you have less than perfect credit, you may want to go for the cash back or customer rebates than try for the low interest financing.