0% Financing and Finance Deals in Manitoba: October 2026
Many new Ram, Jeep, Dodge and Chrysler vehicles on our lot in Portage la Prairie carry one of two manufacturer offers this month: Consumer Cash that is already in our posted price, or 0% financing instead of it. The offers run October 1 to November 2, 2026. Below are the offers we would point a Manitoba buyer at first, each fronted by a vehicle on the lot; every other offer is on its brand page.
This month's highlights
Ram 1500 Rebel
Offer ends November 2, 2026
Ram 2500 Diesel
Offer ends November 2, 2026
Jeep Compass
Offer ends November 2, 2026
Grand Cherokee Limited Reserve, including Grand Cherokee L
Offer ends November 2, 2026
Durango GT Hemi V8
Offer ends November 2, 2026
2026 Jeep Cherokee Laredo, lease
$250 due at signing, $0 down, $0 security deposit
12,000 km a year, 3.99% APR, lease end buyout $23,126
Offer ends November 2, 2026
Also this month: $10,000 Consumer Cash on the 2026 Wrangler 4 door, on the Jeep page.
Every offer by brand
Ram finance deals
2026 Ram 1500 by trim, Ram 2500 gas and diesel, the 2027 trucks, ProMaster and Chassis Cab.
Jeep finance deals
Compass, Cherokee, Grand Cherokee and Grand Cherokee L by trim, Wrangler 4 door, 392 and the 2027 Rubicon, Gladiator.
Dodge finance deals
Durango GT, GT Plus and GT Hemi V8.
Chrysler finance deals
Pacifica Select, the 2027 Pacifica and the 2027 Grand Caravan.
0% financing or the Consumer Cash: which is better for a Manitoba buyer?
Most new car deals in Manitoba come down to this one choice. Our posted prices already include the Consumer Cash, so choosing 0% means paying a higher price to get the lower rate. The effective rate under every 0% offer counts the Consumer Cash you give up as a cost of borrowing, so compare it with the standard rate. As a hypothetical, giving up $10,000 on $65,000 financed works out to about 4.9% over 84 months but about 8.4% over 48. So shorter terms, cash buyers and outside financing favour keeping the Consumer Cash. Every card on this page and the brand pages prints its own effective rate so you can make that call on the vehicle you want. 2027 models are the exception this month: they carry no Consumer Cash, so their 0% gives nothing up.
Questions
What credit score do I need?
There is no published cutoff, because the program lenders weigh your whole file. Apply here with no obligation, or read our credit score guide.
Should I lease or finance?
Finance if you keep vehicles a long time or drive a lot, and lease if you want a newer one every few years. Our leasing or financing post works through it.
Is the price all in?
Yes. Manitoba law requires all in advertised prices, so ours include every fee and any Consumer Cash, with only GST and PST on top.
Can I trade in a vehicle I still owe money on?
Yes, it is common, and the balance owing is handled as part of the deal. Our post on trading in with money owing explains how it works, and you can get a trade value before you make the drive.
Details
Disclosure. Updated October 29, 2026. Each offer is a choice of one or the other: choose 0% and the price is higher by the Consumer Cash or diesel engine value amount. *The effective rate counts the Consumer Cash, or the No Charge Cummins Diesel Engine value, that you give up for 0% as a cost of borrowing. Your rate depends on the amount you finance. Effective rates are worked out on example loan amounts, not vehicle prices: Ram 1500 Rebel, loan of $80,000 over 84 months; Ram 2500 diesel, loan of $100,000 over 72; Grand Cherokee Limited Reserve, loan of $80,000 over 72; Durango GT Hemi V8, loan of $75,000 over 72. Compass saving varies by unit. Standard program rate 4.99% APR up to 84 months. Manufacturer program, October 1 to November 2, 2026, on eligible new in stock 2026 vehicles. Financing on approved credit through RBC, TD Auto Finance or Scotiabank. On approved credit, 0% applies for the full term of the contract. It is not a deferred interest offer. Consumer Cash cannot be combined with low rate offers. 2026 Jeep Cherokee Laredo, lease: applies to any new 2026 Jeep Cherokee Laredo in stock. The payment is an example worked on a Laredo at $48,180 MSRP and $43,995 selling price; the payment on another Laredo changes with its price. The example all in price of $44,614 is the $43,995 selling price plus the $499 administration fee and $120 in taxes and levies, plus GST and PST. 54 month lease at 3.99% APR, Jeep Cherokee October 2026 Alternative lease program, 234 weekly payments of $125 plus GST of $6.25 and PST of $8.75, $140 a week with taxes. The quoted payment includes $1,499 of Excess Wear and Tear protection (SCI CarCare), an optional product the desk quoted in; ask for the payment without it. $250 due at signing covers the first weekly payment of $140 and the $106.25 lien registration fee ($246.25 on the quote); $0 down payment, $0 security deposit. 12,000 km a year, 54,000 km over the term, $0.16 for each kilometre over the allowance. Buyout at lease end $23,126.40 (48 percent residual). Total cost of borrowing $6,263.40. On approved credit through SCI Lease Corp. Lease quote dated October 2, 2026. Offers can change without notice. Prices are plus GST and PST. Manitoba Dealer Permit #4941. Check our current pricing here for the most up to date pricing information.
