If you're shopping for a new vehicle in Toronto this fall, you've probably asked yourself: should I buy a 2025 model that's in stock now, or wait a few months for the 2026 lineup to arrive? It's a common question, and the answer depends on your priorities, timeline, and what matters most to you behind the wheel.
Let's break down the key factors that can help you decide which option makes the most sense for your situation.
Right now, Ontario dealerships are holding healthy inventories of 2025 vehicles as manufacturers prepare to launch their 2026 models. This creates an interesting opportunity for shoppers. When dealers have more current-year vehicles on the lot, they're often more flexible with pricing and willing to negotiate. You'll typically find a wider selection of colours, trims, and packages to choose from compared to when new models first arrive.
As we move through the fall and into December, dealerships work to clear remaining 2025 stock to make room for incoming 2026 vehicles. This seasonal shift often brings better deals, more negotiating room, and stronger incentives on vehicles that are ready to drive home today.
On the other hand, waiting for a 2026 model means you'll be shopping when inventory is fresh but limited. Early in a model year, dealerships typically have fewer vehicles to choose from, and the newest models command higher prices with less flexibility on negotiations.
If saving money is a top priority, timing matters. The best deals on new vehicles in Ontario typically happen between September and December. During this window, year-end clearance events and holiday promotions are in full swing. Dealerships are motivated to move current-year inventory, which translates to better pricing and stronger incentives for buyers.
Choosing a 2025 vehicle now also means immediate availability. You can test drive, negotiate, and drive home in your new vehicle without waiting for production schedules or shipping delays. For buyers who need a vehicle soon or want to avoid uncertainty, this is a significant advantage.
Waiting for a 2026 model usually means facing fewer incentives and higher prices, at least initially. Newly launched vehicles rarely come with the same level of discounts or promotional financing that you'll find on outgoing models. However, if the 2026 version of your target vehicle includes features or updates that matter to you, the premium might be worth it.
Interest rates play a major role in your monthly payment and total cost of ownership. As of fall 2025, new car loan rates in Ontario are sitting in the 7–10% range. While economists expect rates to drop slightly in late 2025, nothing is guaranteed.
Here's where timing gets interesting: dealerships often pair aggressive pricing on outgoing models with promotional financing rates. This means you could secure a competitive rate on a 2025 vehicle while also benefiting from year-end discounts. That combination can add up to significant savings compared to waiting.
If you wait for a 2026 model, you might face higher financing costs if rates don't drop as expected, or if promotional rates aren't as strong on newly launched vehicles. It's worth considering how interest rates and purchase price work together to impact your overall budget.
This is where personal preference really comes into play. Before deciding, research whether the 2026 version of the vehicle you're interested in brings meaningful changes. Are we talking about a complete redesign with updated styling, new technology, and improved performance? Or is it a minor refresh with small updates?
If the 2026 model includes a major redesign or features that genuinely improve your driving experience, waiting might make sense. Think about things like advanced safety systems, updated infotainment, better fuel efficiency, or refreshed styling that you'll enjoy for years to come.
However, if the changes are minimal—a new colour option, minor trim adjustments, or small cosmetic updates—the deal you can get on a 2025 model might offer better overall value. You'll still get a brand-new vehicle with a full warranty, just at a lower price point.
There's no universal right answer to whether you should buy a 2025 vehicle now or wait for a 2026 model. It comes down to your specific situation and what you value most.
If you prioritize immediate availability, stronger negotiating power, and year-end savings, a 2025 vehicle makes sense. You'll get a brand-new vehicle with full warranty coverage, avoid the wait, and likely pay less overall.
If you're patient, not in a hurry, and the 2026 model includes updates that genuinely matter to you, waiting could be worthwhile. Just be prepared for higher initial prices and fewer incentives until the model year matures.
At Humberview Group in Toronto, our team can walk you through current inventory, upcoming 2026 arrivals, and help you compare options based on your budget and needs. Whether you choose now or later, we're here to make sure you drive away in the right vehicle at the right price.
Explore our current 2025 inventory and discover what's available today at Humberview Group.
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