Three Memorial Day offers actually move the math this year. The Sierra at 2.9% with a 130-day deferral. The Frontier at zero percent. The XT5 on a 36-month term that keeps you ahead of depreciation. Everything else is noise. Here's what each one does to a real Tri-State payment.

2026 GMC Sierra 1500 — 2.9% APR with 130 Days Before Your First Payment

GM Financial is running 2.9% APR for 72 months on qualifying Sierra 1500 trims. No payment due for 130 days. That's the headline. The reason it matters: you take delivery in May and your first payment posts in October. Five months. For a Barboursville household carrying back-to-school costs and property taxes, that's not a marketing gimmick — that's actual cash flow you keep.

Run the math at a $48,000 financed amount. 2.9% over 72 months is roughly $14.79 per $1,000 financed. About $710 per month. Compare that to a market-rate 7.5% on the same amount and same term — closer to $830. That's $120 a month, $8,640 across the loan, sitting in your pocket instead of the lender's.

You're not getting this rate on the lowest base trim with no incentives stacked. Read the fine print on the dealer sheet before you sign anything. Qualifying trims means qualifying trims — SLT and Denali Crew Cab 4WD configurations are where the rate lives.

Browse current Sierra 1500 inventory at Moses GMC. Appraise your trade online before you make the drive — that equity is your down payment.

2026 Nissan Frontier — Zero Percent APR for 60 Months

Zero is zero. Every dollar of your monthly payment retires principal. No interest accrual over five years. NMAC is offering 0.0% APR for 60 months on the 2026 Frontier — excluding S trims, which is the cheapest configuration and not where the deal lives anyway.

At $32,000 financed, you're looking at $533 a month. Sixty months. Done. No interest cost across the life of the loan. A buyer financing the same $32,000 at 7% over 60 months pays roughly $634 monthly and burns about $6,060 in interest. Zero percent saves you the entire interest bucket.

The catch nobody on the OEM side will say out loud: zero percent offers don't stack with cash rebates. You either take the rate or you take the cash. On a Frontier, the rate is the better deal for almost every buyer who's keeping the truck four-plus years. If you're flipping it in 24 months, run both numbers.

Browse current Frontier inventory at Moses Nissan or get pre-approved in seconds before you drive in from Ironton or Ashland.

2026 Cadillac XT5 — 3.9% for 36 Months, Built to Keep You Out of Negative Equity

Most luxury buyers in Kenova and Portsmouth make the same mistake: they stretch into 84-month financing on a depreciating asset to chase a smaller payment. Three years later they're upside down and trapped. The Cadillac Financial offer on the 2026 XT5 is built to prevent exactly that — 3.9% APR for 36 months. Higher monthly. Clean exit.

At 3.9% over 36 months, you're paying about $29.48 per $1,000 financed. On a $52,000 XT5, that's roughly $1,533 a month. Yes, it stings versus a 72-month payment around $810. But at 36 months you own the asset clean, with real equity, and depreciation hasn't lapped the loan balance. That's the trade.

This offer isn't for everyone. If $1,500 a month wrecks your cash flow, you're looking at the wrong vehicle, not the wrong term. Be honest about that before you walk in.

View current XT5 inventory at Moses Cadillac or schedule a test drive.

Side-by-Side: Which Offer Fits Which Buyer

What These Offers Won't Tell You On The Banner Ad

The captive-lender rate is approval-dependent. Tier 1 credit takes the headline number. Tier 2 sees a small bump. Tier 3 may not qualify for the headline at all and gets routed to a different lender entirely. We work with multiple lenders, so a Tier 3 buyer still has options — they just aren't the 2.9 or the zero.

None of these rates stack with every cash incentive. Some do. Some don't. The desk runs both options when you're sitting with us and shows you which path costs less over your actual hold period. Don't let anyone tell you the rate is automatically the better deal — it depends on how long you're keeping the vehicle and whether you're financing the full price or a chunk of it.

Tax, title, license, and dealer fees aren't in the monthly payment math above. They're real money. Budget another $1,200–$1,800 in WV depending on the deal structure.

Quick Questions, Real Answers

Published: May 26, 2026 — Author: Don Pruitt, Sales Consultant — Moses AutoMall, 3301 US Route 60, Huntington, WV 25705 — (304) 736-5291