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As of Oct. 21, 2026 · maker pages read Oct. 21, 2026
Doc fee $225 is within Texas's limit ($225).
Add-ons: $3,790 (10.8% of the price). Service contracts, GAP and dealer add-ons are optional. Ask for each one in writing and remove any you didn't ask for. Add-on scripts
Rate markup: 1.50 points over the buy rate costs $29.15 a month, $2,098.98 over the loan. That's above the 1-point cap lenders agreed to in federal fair-lending orders for loans over 5 years. Ask for the buy rate or bring your own approval.
| Maker | Military offer | Details | Official page |
|---|---|---|---|
| Ford / Lincoln | Varies | Exclusive cash reward; the amount varies by ZIP (enter yours). Valid Jan. 6, 2026 - Jan. 4, 2027. Active duty, retirees, veterans within 24 months of separation, spouses and household members. Up to 5 vehicles a year. Verify with ID.me at fordrecognizesu.com. | Maker page |
| Chevrolet / Buick / GMC / Cadillac | Varies | Special offer; the amount varies by model (enter the one on your authorization). Active, Reserve, Guard, all veterans and retirees plus a sponsored spouse. 2 authorizations a year, each good 90 days. GM's rules cap the doc fee at $75 unless state law sets it or the dealer charges every customer the same fee. | Maker page |
| Toyota | $500 | $500 when you finance or lease through Toyota Financial Services. Active duty and inactive reserve, retirees, veterans within 2 years of discharge, household members and Gold Star families. ID.me verification isn't available in AL, FL, GA, NC and SC. | Maker page |
| Hyundai | $500 | $500 bonus on any new Hyundai, purchase or lease. Active, Reserve/Guard, veterans and retirees (or spouse). Verify with ID.me. | Maker page |
| Nissan | $500 | $500 cash back, purchase or lease; combines with national and regional offers. Proof of eligibility required. | Maker page |
| Jeep (Stellantis) | $500 | $500 Military Bonus Cash on select 2025-2026 models. Active, Active Reserve, retired, 100% disabled veterans, and veterans within 12 months of discharge. | Maker page |
Programs change; each maker's page is the final word. Most need ID.me verification before you sign. Ask whether the military offer stacks with the current public offers.
| Worked example (tap to load) | Tax | Out-the-door | Payment | Markup cost |
|---|---|---|---|---|
| Texas, Toyota with dealer add-ons | $2,237.19 | $41,002.19 | $698.85 | $2,098.98 |
| Virginia, Ford with a trade-in | $1,722.25 | $44,121.25 | $698.32 | $0 |
| North Carolina, Nissan with a rate markup | $713.97 | $29,711.97 | $519 | $1,780.24 |
Example title amounts are placeholders; use your DMV's number. Tax uses each state's vehicle rate in our out-the-door calculator data (state default local rate).
Sources: CFPB: auto loan key terms (buy rate, dealer markup) CFPB/DOJ Honda order: markup capped at 1.25 points (5 years or less)
Facts and arithmetic only, not legal advice. Written with input from a 12-year USMC veteran with 11 years in dealership sales and management. No partner links; makers don't pay us.
Yes. As of Oct. 21, 2026: Toyota, Hyundai, Nissan and Jeep list $500; Ford's amount varies by ZIP (valid to Jan. 4, 2027); GM's varies by model. Each maker's page has the rules.
The difference between the lender's buy rate and the APR on your contract. The dealer can keep part of it. Ask for the buy rate or bring your own loan approval.
GM's Military Appreciation rules allow a maximum $75 documentation fee unless state law sets the fee or the dealer charges all customers the same fee.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.