BOSTON ( TheStreet) -- If you've spent any significant time near a TV, radio or billboard, you've probably grown immune to car dealers who insist you'd be crazy not to buy a new car! Thing is, it's true right now. Thanks to a tanking automotive market that lends itself to low finance deals, along with somewhat misguided government programs that actually give you money to shop, now is a terrific time to treat yourself to a new set of wheels, provided you can find a dealership that hasn't closed yet.
Zero-percent automotive-financing deals haven't been this prevalent since the period following 9/11, says Jesse Toprak, a senior industry analyst at automotive think tank Edmunds.com. "And we're seeing them more and more because interest rates are so low," he says. Sure, zero-percent financing on a Rolls-Royce Drophead is probably never going to happen. And forget about any special incentives on a Ferrari 599 GTB Fiorano. Still, "this is as good as it gets," says Dennis St. Aubin, a sales and leasing consultant at Chambers Motorcars in Boston. "I have never seen incentives like this before." To wit, General Motors' ( GMGMQ) Cadillac is offering zero-percent financing for up to 60 months on its CTS sedan, one of the best deals of the month, Toprak says. You'll probably want to spring for the $60,000-ish CTS-V, a 556-horsepower sedan on steroids that Silvio Dante of "The Sopranos" would be driving if "The Sopranos" were still on. Sporting a menacing mesh grill, this is the Caddy that broke the 8-minute barrier on the German Nürburgring racetrack, beating the homegrown and more advanced BMW M3 by 15 seconds. In your face, Bavaria! Bimmer fans should take note, though, that they currently can get an unusually low APR rate of 1.9% for up to 60 months on the BMW 3 series.