Current Buick & GMC 0% APR & Finance Offers
Napleton's Schaumburg Buick GMC publishes current Buick and GMC financing offers every month — 0% and low-rate APR deals, purchase allowances and lease specials across both brands. Updated at the start of each incentive period.
Offers current through September 30, 2026 | Next update: October 1
Buick & GMC APR Finance Offers — September 2026
Offers available through GM Financial to well-qualified buyers. Not all buyers will qualify for the lowest rate. Rates and terms subject to change. See full disclaimer ?
| Brand | Model | APR | Term | Purchase Allowance | Offer Expires | View Inventory |
|---|---|---|---|---|---|---|
| GMC | 2026 Sierra 1500 Elevation0% APR | 0% | 60 months | — | 09/30/2026 | In Stock ? |
| GMC | 2026 HUMMER EV & Pickup | 0.9% | 36 months | — | 09/30/2026 | GMC Inventory ? |
| GMC | 2026 Acadia Elevation AWD | 2.9% | 36 months | — | 09/30/2026 | In Stock ? |
| Buick | 2026 Envision Preferred AWD | 1.9% | 60 months | — | 09/30/2026 | In Stock ? |
| Buick | 2026 Encore GX Preferred FWD | 1.9% | 36 months | Up to $2,250 | 09/30/2026 | In Stock ? |
| Buick | 2026 Envista Preferred | 1.9% | 36 months | $2,000 | 09/30/2026 | In Stock ? |
| Buick | 2026 Enclave | 1.9% | 36 months | $2,000 | 09/30/2026 | In Stock ? |
Swipe the table sideways to see every column.
Current Buick & GMC Lease Offers — September 2026
Payments shown exclude tax, title, license, registration and dealer fees. Due at signing is stated after all applicable offers. Excess mileage is billed at $0.25 per mile.
| Brand | Model | Mo. Payment | Term | Due at Signing | Miles/Year | Expires | Inventory |
|---|---|---|---|---|---|---|---|
| Buick | 2026 Encore GX Preferred FWD | $199/mo | 24 months | $6,299 | 20,000 | 09/30/2026 | In Stock ? |
| Buick | 2026 Envista Preferred | $219/mo | 24 months | $5,039 | 20,000 | 09/30/2026 | In Stock ? |
| GMC | 2026 Terrain AWD Elevation | $299/mo | 36 months | $6,249 | 30,000 | 09/30/2026 | In Stock ? |
| Buick | 2026 Envision Preferred AWD | $339/mo | 24 months | $7,679 | 20,000 | 09/30/2026 | In Stock ? |
| GMC | 2026 Sierra 1500 Elevation | $369/mo | 24 months | $7,169 | 20,000 | 09/30/2026 | In Stock ? |
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How to Qualify for 0% APR Financing
Promotional APR is reserved for well-qualified buyers. Here's what GM Financial generally looks at.
Credit Score
The tier carrying 0% typically corresponds to a score around 700 or above. Below that, a promotional rate is often still available at a different tier, or over a shorter term.
Rate or Allowance
Most Buick offers this month pair a low APR with a purchase allowance. Those are usually alternatives rather than a stack — taking the cash generally means giving up the promotional rate.
Income Verification
Expect to document income and employment. Recent pay stubs, proof of residence and a valid driver's license will move your approval along quickly.
Loyalty & Conquest Cash
Current GM owners may qualify for loyalty cash, and owners of competing brands may qualify for conquest cash. Ask which programs apply to the offer you're using.
See Your Rate Before You Visit
Our pre-approval form takes a few minutes, and you can run the numbers yourself first with the payment calculator.
This Month's Offers — Common Questions
Which Buick or GMC models have 0% APR right now?
For the September 2026 incentive period, the 2026 GMC Sierra 1500 Elevation is available at 0% APR for 60 months for well-qualified buyers through GM Financial. The GMC HUMMER EV and Pickup models are at 0.9% APR for 36 months. The Buick lineup carries 1.9% APR this period rather than 0%, often alongside a purchase allowance. Offers change at the start of each incentive period.
Can I take both the low APR and the purchase allowance?
Usually not. On the Buick offers this month — Encore GX at up to $2,250, Envista and Enclave at $2,000 — the allowance and the promotional rate are typically alternatives, because the low rate is itself the incentive. Loyalty and conquest cash can often stack on top of either. Our finance team will price both structures so you can see which costs less over the term you want.
What credit score do I need for 0% APR?
There is no single published cutoff, but the top GM Financial tier that carries 0% generally corresponds to a score of about 700 or higher, alongside verifiable income and a clean recent payment history. Applying is the only way to know your actual tier.
Do these offers apply to both Buick and GMC?
Buick and GMC run separate incentive programs even though we sell both here, so the rates and allowances differ by brand and by model. The tables above are labeled by brand for that reason. For general financing questions — buying versus leasing, trade-in value, building credit — see our Ask a Finance Expert FAQ.
Browse In-Stock Inventory
See every new Buick and GMC on the ground in Schaumburg, with pricing and current offers applied.
Get Pre-Approved Online
A few minutes on our pre-approval form puts you in front of the desk with a real number.
Talk to Our Finance Team
Questions about tiers, trade equity or which incentive to take? Give us a call.
Buick & GMC Financing in Schaumburg, IL
Napleton's Schaumburg Buick GMC sits at 100 West Golf Road in Schaumburg, serving drivers across Arlington Heights, Hoffman Estates, Palatine, Streamwood, Elk Grove Village and the northwest suburbs. Our finance office works with GM Financial and a range of regional lenders, so the offers on this page are a starting point rather than the whole picture — credit tier, trade equity and term length all move the final number.
Because we carry both brands, it is worth comparing across them. A Buick purchase allowance and a GMC promotional rate can produce very different monthly payments on vehicles at similar prices, and the answer changes with how long you plan to keep it. Bring your current payoff and we will price both. You can also review all current new-vehicle specials or estimate a payment before you come in.
Sales is open Monday through Friday 9:00 AM to 8:00 PM and Saturday 9:00 AM to 6:00 PM, closed Sunday. Service and Parts are open Monday through Friday 7:00 AM to 6:00 PM and Saturday 7:00 AM to 5:00 PM, closed Sunday. Reach any department at 847-805-8231.
Disclaimer: All financing and lease offers are through GM Financial to well-qualified buyers. Not all buyers will qualify for the lowest rate or promotional APR. Rates, terms, and availability are subject to change without notice and may differ by trim level, model year, and inventory. Promotional APR offers cannot typically be combined with purchase allowances or cash-back rebates. Monthly payment examples do not include taxes, title, license, registration, or dealer fees. Lease due-at-signing amounts are stated after all applicable offers and exclude tax, title, license and dealer fees; excess mileage is billed at $0.25 per mile. Residual values, money factors and acquisition fees apply to lease offers. Buick and GMC run separate incentive programs; offers differ by brand. Offers valid through the date shown; see dealer for complete details. Napleton's Schaumburg Buick GMC · 100 West Golf Road, Schaumburg, IL 60195 · 847-805-8231.