September 2026 Truck Deals: 0% on F-150 and Ram 1500, Maverick Lease at $358/mo

Those TrueCar figures are a national roundup, not a window sticker and not a guaranteed payment. Quote the OEM regional sheet and a dealer buyer’s order for your ZIP, credit, trim, and stack before you treat any of them as money you will actually pay.

Sources

The program lines on this page come from TrueCar’s September 2026 truck-deals roundup at https://www.truecar.com/deals/trucks/. Kelley Blue Book’s Cybertruck deals and incentives page at https://www.kbb.com/tesla/cybertruck/deals-incentives/ was last updated September 1, 2026. Dual Motor’s $74,990 comparison sticker is from Tesla’s August 24 hike; see TruckDaily’s Cybertruck price-hike story. EA26005 shopper context is in TruckDaily’s GM 6.2L L87 investigation story. Trim photography is on Ford.com 2026 F-150 XLT and the Stellantis Media 2026 Ram 1500 image gallery.

September programs, as listed (not a payment)

This is a deals roundup, not a specific-truck window sticker. TrueCar did not list a monthly payment for the F-150 or Ram 0% programs, so there isn’t one here. The Maverick $358/mo line is TrueCar’s listed example with the stated terms. Still verify locally.

TruckDaily take

September 0% on F-150 and Ram is the EV-truck competitor this month. A Dual Motor Cybertruck is $74,990 with no KBB-listed incentive as of September 1. A 6.2L Silverado or Sierra is an open-file purchase under NHTSA EA26005. The half-ton that actually has a national 0% line in TrueCar’s roundup is the one to price first — then confirm it on the regional sheet.

Who it’s for. A 2026 F-150 shopper who can qualify for 0% on a 36-month contract and will live with that shorter term. A 2026 Ram 1500 shopper who can qualify for 0% on 60 months, or who is chasing the cash side of that TrueCar roundup (as high as $11,000 — not a guarantee). A compact-truck shopper who will actually run the Maverick lease numbers at $358/mo, 36 months, 12,000 miles, $2,000 due, and then re-quote it locally. Anyone who was about to treat $74,990 Dual Motor as the default half-ton this week.

Who should skip. Anyone who cannot qualify for subvented APR; 0% is not automatic. Anyone who needs 72- or 84-month paper and assumes the F-150 36-month 0% still applies. Anyone who needs both Ram 0% and Ram cash on the same deal without reading the stack rules. Anyone who will exceed 12,000 miles a year on the Maverick example and is shopping only the $358 line. Anyone who will only sign a Cybertruck: Kelley Blue Book listed no incentive as of September 1. Skip a 6.2L GM half-ton this week if you cannot VIN-check EA26005 / 25V-274 first.

What we’d actually shop this month. Shop a 2026 F-150 on Ford’s 0% / 36-month line, or a 2026 Ram 1500 on Ram’s 0% / 60-month line, against Dual Motor at $74,990 with no listed Tesla incentive. There is no F-150 or Ram monthly payment on this page; get that from the OEM regional sheet and a signed worksheet. If the job is a small truck for 12,000 miles a year, shop TrueCar’s Maverick $358 example with those exact terms, then verify it locally. Do not buy a 6.2L Silverado or Sierra until the VIN and the open EA are on the table.

What TrueCar listed, and what it is not

TrueCar’s September 2026 truck-deals page is a roundup of manufacturer programs as that site summarized them. It is not Ford Credit paper. It is not Ram Financial paper. It is not a quote for your ZIP. Confirm the numbers at a dealer and on the OEM regional incentive sheet.

0% APR for 36 months on a 2026 F-150 means: if you qualify, and if that term is the one on the contract, you are not paying finance charge on that contract. It does not mean every F-150 on the lot is 0%. It does not mean 48, 60, 72, or 84 months. It does not mean a monthly payment — TrueCar did not list one for this program.

0% APR for 60 months on a 2026 Ram 1500 is the same idea on a longer term. Longer term, still 0% if you qualify for that specific program. Still no monthly payment on this page.

Ram cash “as high as $11,000” in that roundup is a ceiling TrueCar published for that roundup, not a rebate every 2026 Ram 1500 carries. Trims differ. Regions differ. Conquest, loyalty, and military programs differ. Cash and subvented APR often do not stack; sometimes they do on a named program. The only way to know which way your deal leans is the regional sheet and the buyer’s order. TrueCar did not list a Ford cash number in this roundup.

The Maverick $358/mo line is the one TrueCar example with full terms: 36 months, 12,000 miles per year, $2,000 due at signing. That is still an example. Tax, title, acquisition, disposition, security deposit, and excess-mile charges are not in that $358 figure unless the dealer worksheet says they are. Do not treat $358 as a national Ford lease payment for every Maverick.

Shopper math against $74,990 Dual Motor

Tesla moved Dual Motor AWD from $69,990 to $74,990 on the night of August 24, 2026, with no hardware change reported (Electrek / InsideEVs, August 25). Premium went to $84,990. Cyberbeast stayed $99,990. KBB’s Cybertruck deals page, last updated September 1, 2026: “Currently, there are no available Tesla Cybertruck incentives.”

That is the EV-truck sticker this week. Dual Motor tows 7,500 lb and lists 325 miles in the Electrek recap of Tesla’s listing. It is still one cab, one bed, stainless, AWD. It is not on 0% in TrueCar’s truck roundup, and KBB listed no incentive after the hike.

The comparison is not “F-150 payment vs Cybertruck payment.” There is no F-150 payment on this page. The comparison is program vs sticker:

• 2026 F-150: TrueCar roundup lists 0% for 36 months. Interest cost on that contract, if you qualify for that term, is zero. Monthly amount: not published here.
• 2026 Ram 1500: TrueCar roundup lists 0% for 60 months, and cash as high as $11,000 in that roundup. Which one you get, and whether they stack, is a regional-sheet question. Monthly amount: not published here.
• 2026 Maverick lease example: $358 × 36 = $12,888 in listed monthly payments, plus $2,000 due at signing, for $14,888 over the listed term before tax and extra fees. That arithmetic is only as good as TrueCar’s example. 12,000 miles × 3 years = 36,000 miles in the cap. Over that, you pay whatever the lease says. Verify locally.
• Cybertruck Dual Motor: $74,990. No KBB-listed incentive as of September 1. Tesla listed no destination charge on that sticker; this page does not add one.

If you were going to write a check for Dual Motor this week because it was the “new truck” in the feed, run the Ford and Ram 0% programs first. A gas half-ton on 0% is the actual competitive offer in September’s roundup. The stainless truck did not get cheaper, and it did not pick up a national incentive on September 1.

GM 6.2L is not the third 0% truck

A shopper who bounced off Dual Motor at $74,990 will look at Silverado 1500 and Sierra 1500 next. Do not treat those as a clean third option this month just because they are not Tesla.

NHTSA’s Office of Defects Investigation opened EA26005 on August 20, 2026, covering about 997,743 2021–2026 vehicles with the 6.2L L87 — Silverado 1500, Sierra 1500, Tahoe, Suburban, Yukon, Escalade. That population is an investigation count. It is not a new recall of nearly a million trucks. ODI logged 499 post-remedy engine-failure complaints after recall 25V-274. GM reported 6,953 post-remedy complaints plus 191 failures on engines built after the original May 31, 2024 recall window.

Until EA26005 closes, a 6.2L Silverado or Sierra is a VIN-check-first purchase. TrueCar’s September truck roundup is not a reason to skip that VIN check. There is no GM 6.2L APR, GM cash figure, or Silverado payment on this page — those are not in TrueCar’s September truck-deals roundup as used here.

If the alternative to F-150 0% or Ram 0% is a 6.2L GM truck, the federal file is part of the math. If the alternative is Dual Motor at $74,990 with no listed incentive, the Ford and Ram programs are the ones with a national 0% line this month.

How to turn a roundup into a real deal

1. Read TrueCar as a map of which programs exist, not as the contract.
2. Pull Ford’s and Ram’s regional incentive sheets for your ZIP. Ask the desk to print them. Match model year 2026, the exact trim, and the exact program name.
3. Decide APR vs cash on the Ram before you argue about a payment. As high as $11,000 in the roundup is the cash ceiling TrueCar published, not your rebate.
4. On F-150 0%, confirm the term is 36 months on the worksheet. If the desk writes 60 or 72, that is a different rate. Do not assume 0% follows the longer paper.
5. On Ram 0%, confirm 60 months. Same rule.
6. On the Maverick, copy the example terms onto the worksheet: 36 months, 12,000 miles, $2,000 due. If any of those three move, the $358 moves. Then add tax, acquisition, and disposition as the Ford lease sheet states them.
7. Credit: 0% is for approved buyers on that program. A bureau hit that misses the tier does not get 0% because a website said 0%.
8. Do not demo a 2026 Ram 1500 in Reverse until recall 26V531 / dealer code 78D is confirmed current on that VIN. That campaign is a radio-software rear-camera noncompliance, not a deals story, and it still sits on a lot of 2026 Rams.

Quote the OEM and the region before you treat a payment as real. This page does not publish one for F-150 or Ram 0%.

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