The Happy Honda Days Sales Event has officially arrived at Honda of Lincoln, and with it comes one of the most popular financing offers of the season: the Honda 90 Days to First Payment Program. This limited-time promotion gives qualified buyers the opportunity to purchase or lease a new Honda vehicle with no payments for up to 90 days—making it easier than ever to drive home in a brand-new Honda during the holidays.

If you’re considering a new Honda, here’s a breakdown of how the program works, who qualifies, and what to expect before you sign.

What Is the Honda 90 Days to First Payment Program?

The Honda 90 Days to First Payment Program is a special financing option offered through Honda Financial Services (HFS) during select promotional periods like Happy Honda Days.

In simple terms, eligible buyers can delay their first car payment for up to 90 days after financing a new Honda model. It’s a great way to enjoy extra financial breathing room during the holidays or at the start of a new year. Program effective with contracts dated November 4, 2025 through January 5, 2026.

Key Benefits at a Glance

Here’s what makes the program appealing:

✔ No Payments for 90 Days

You won’t make your first car payment until approximately three months after taking delivery. This allows you to:

• Recover from holiday spending

• Plan ahead for budgeting

• Enjoy your new Honda without immediate financial pressure

✔ Available on New 2025 and 2026 Honda Models

All new 2025 and 2026 Honda vehicles including favorites like the Honda CR-V, Honda Civic, Honda HR-V, Honda Accord, and Honda Passport are eligible when financed through Honda Financial Services, unless otherwise noted.

✔ Perfect for Seasonal Savings

Combined with Happy Honda Days pricing and incentives, customers can stack generous savings with delayed payments.

Important Program Details You Should Know

While the 90-day deferral is incredibly convenient, there are a few essential details to keep in mind:

1. Interest Begins Accruing Immediately

Even though payments are delayed, the loan does begin accruing interest right away.
Once payments start, the accumulated interest is rolled into the principal.

This means your total loan cost may be slightly higher compared to traditional financing.

2. Credit Approval Is Required

This program is not automatic and buyers must qualify through Honda Financial Services.
Customers with stronger credit profiles typically have better approval odds.

Those with lower credit scores or limited credit history may not qualify.

3. Terms May Vary by Dealership or Location

Some states have different rules for payment deferral programs.
Additionally, individual dealerships including Honda of Lincoln may offer specific terms or eligibility requirements.

4. Not All Models or Promotions May Qualify

Certain trim levels, special-edition vehicles, or heavily discounted models may be excluded from the program depending on inventory and incentive structures.

Who Should Consider This Program?

The Honda 90 Days to First Payment Program is ideal for:

• Holiday shoppers wanting time before payments begin

• First-time buyers who need a cushion before their first payment

• Families budgeting for seasonal expenses

• Buyers waiting for tax refunds or year-end bonuses

• Anyone who prefers financial flexibility at the start of ownership

Example: How the Payment Deferral Works

Let’s illustrate with a simple example:

• You finance a new Honda with an APR of 4.99%

• You choose the 90-day deferred payment option

• Your first payment is scheduled 90 days after signing

• Interest accrues during the 90 days and is added to your loan balance

This may slightly increase your total payoff amount, but it provides immediate short-term budget relief.

⭐ Why Buy During Happy Honda Days at Honda of Lincoln?

When you shop at Honda of Lincoln, you get:

• Competitive Happy Honda Days pricing

• Large inventory of new Honda vehicles

• Transparent financing options

• A trusted, award-winning Nebraska dealership

• A team that helps you understand which incentives you qualify for

Whether you’re considering a Honda SUV, sedan, hybrid, or truck, our team can help you take advantage of seasonal savings including the 90-day deferred payment option if you qualify.

Drive Home a New Honda With No Payments for 90 Days

The Honda 90 Days to First Payment Program is an excellent opportunity to bring home a new vehicle without immediate financial pressure. As always, our team at Honda of Lincoln is here to answer questions, review available incentives, and help you determine whether this offer is the right fit for your budget and lifestyle.

Ready to get started?
Visit Honda of Lincoln, explore our new Honda inventory, or contact our finance team today for personalized guidance.