During July 2010, Honda is offering 0.9% car loan incentives on most of its models. There are also good lease incentives available from Honda during July. Unlike Honda’s June incentives, this month, any Honda buyer with good credit can get the low 0.9% financing incentive, not just graduates. Honda is offering $0 down payments and no first month payment on leases on select vehicles during July.  If you want a new car but don’t have the usual $2,000 to $3,000 for a down payment, Honda has you covered.

The 2010 Honda Fit is available with a 0.9% interest rate car loan for up to 60 months. The Fit can also be leased for $210 a month on a 35-month lease, with no down payment and no first month’s payment. Just like last month, the Fit’s lease deal isn’t very impressive when compared to the Civic Sedan, which has the same monthly payments.

All 2010 Honda Civic models, including the Civic Hybrid, Civic Si and the Civic GX natural gas-powered car, are available with Honda’s 0.9% loan incentive for 60 months.  The Civic Sedan is available with the no money down incentive during July too, and has identical monthly payments to the Fit at $210 a month.

The 2010 Honda Accord is also available with a 0.9% APR during July. Accord Sedan and Crosstour models can be leased with no money down.  The Accord Sedan will cost you $270 a month while the Crosstour will cost $380 per month.

The Honda Insight (pictured above) and Ridgeline are also available during July with 0.9% interest rate car loans.  The Insight is the best lease deal of July, the Hybrid sedan will cost you just $179 a month on a 36-month lease with $1,999 due at signing.

The 2010 Honda CRV, Odyssey and Pilot are all excluded from Honda’s lowest interest rate incentive. All three are available with 1.9% financing for 36 months.  The CRV can be leased for $239 a month, while the Odyssey Minivan is just $10 more at $249 a month.  The 2010 Honda Pilot will cost you $309 a month on a 36-month lease.