Cadillac Vistiq gets 0.9% financing for 72 months through November 2

Cadillac is offering 0.9% APR for up to 72 months on the Vistiq through November 2, 2026, the lowest rate it advertises on any of its electric models this month. The rate covers both the leftover 2026 and the current 2027 three-row SUV when financed through Cadillac Financial, and buyers who currently own or lease a vehicle from a long list of rival brands can add $2,000 in conquest cash. GM Authority published the October program on October 15, and Cadillac's own offers page lists the same terms.

The offers

• Financing: 0.9% APR for 72 months on 2026 and 2027 Vistiq models, for well-qualified buyers. Cadillac's fine print puts the payment at $14.27 a month for every $1,000 borrowed. The rate cannot be combined with the lease.
• Conquest cash: $2,000 for current owners of a 2012 or newer vehicle, or current lessees of a 2021 or newer one, from brands that include Acura, Audi, BMW, Lexus, Mercedes-Benz, Porsche, Tesla, Rivian, Genesis and Polestar, as well as Ford, Honda, Toyota, Kia and others. You must have had that vehicle for at least 30 days. Cadillac's version of the list also names Land Rover and Lucid, which GM Authority's listing leaves out.
• Lease: a national 24-month lease on the 2027 Vistiq Luxury AWD at $889 a month with $7,369 due at signing, capped at 10,000 miles a year. Cadillac bases it on a $79,495 MSRP, which is the Luxury trim's price including the $1,995 destination charge. Miles over the 20,000-mile total cost $0.25 each.

In practice, borrowing $70,000 at 0.9% over six years comes to about $999 a month and roughly $1,900 in interest over the life of the loan. The other electric Cadillacs carry higher rates this month: 2.9% over 60 months on the Optiq, the 2026 Lyriq and the 2025 Escalade IQ, and 3.9% on the 2027 Lyriq.

What changed from September

The headline rate is the same as last month. GM Authority's September listing also showed 0.9% for 72 months on both model years. Two other parts of the program moved.

The $2,000 loyalty allowance that September offered to current Lyriq, XT4 and XT6 owners does not appear in October's national listing. Cadillac's offers page still carries that eligibility wording, but next to a September 30 delivery date, so treat it as expired unless a dealer confirms otherwise.

The lease also got more expensive. September's 24-month deal was $789 a month with $7,309 due, though only for owners of competing brands. October's is open to any well-qualified customer at $889 a month. Over the full term that is about $28,700 out of pocket, compared with roughly $26,200 under the September offer, before taxes and fees.

Pricing and the 2026 versus 2027 choice

The 2027 Vistiq starts at $79,495 for the Luxury trim, $79,995 for Sport, $93,995 for Premium Luxury and $98,595 for Platinum, all including destination. Remaining 2026 models list about $100 less per trim. Every Vistiq uses a dual-motor all-wheel-drive system rated at 615 hp, a 102 kWh battery with up to 305 miles of estimated range, and a 5,000-pound towing capacity.

The model years differ in the details. The 2027 adds a built-in NACS port for Tesla Superchargers, while the 2026 needs an adapter at those stations. The 2027 also loses the soft-close doors the 2026 offered, and its color and wheel choices changed.