Valentine’s Day is one of the major spending holidays in the U.S. for consumers, and one of the major events on the annual retail shopping calendar. It’s the thought that counts, right? Well that’s not what retailers are hoping for on Valentine’s Day, when total spending for the occasion is expected to reach $17.3 billion, with the average person expected to spend $133.91 according to the National Retail Federation.

If long-stem roses or a romantic walk on the beach won’t do, what about cruising in a hot red convertible with your Valentine. In this “Steals on Wheels” we share a collection of the very best car new car deals we can find to help you find your next car. In this edition, OpenRoad Lending is here to help share the love by sharing discount data on sporty and romantic convertibles that also happen to be available in shades of red over the next two weeks. While it’s a bit colder out in some areas, this is definitely a good time to buy a convertible with some great savings to be had. But if you’re looking for a different type of vehicle you can also find those savings on our car buying site.

Regardless of whether your budget for a convertible is small or large, this week’s deals offer something for every shopper’s needs, including a few uber-exotic models, with potential savings ranging from 4.5% to 14.9%. Market average pricing on these Valentine’s Day vehicles demonstrates a range of discounts off Manufacturer’s Suggested Retail Pricing (MSRP) equaling as much as a whopping $16,404 off this selection of vehicles. Our data also includes fuel economy figures to help you compare not just savings at the dealership but what you might expect to pay at the pump, as well.

The 2014 Ford Mustang promises a national market average of $24,106 and an easy-on-the-wallet monthly payment of about $347 making it the most affordable vehicle in this edition of Steals on Wheels. That’s a potential savings of 14.9 percent — or up to $4,229 — off than the already well-priced $28,395 MSRP for Ford’s sporty convertible.

The next most affordable choice on this list is the midsize Chrysler 200 convertible with a monthly payment of about $396 and a TrueCar national market average of $27,574; that’s 4.7 percent — or up to $1,371 — less than the $28,945 MSRP in Touring trim, making it a good value even with one of the lowest discounts on this list.

If your tastes run to the quirky side, the 2014 Nissan Murano starts with an MSRP of $42,855, but its average price is $4,340 lower at $38,515; that’s a potential savings of 10.1% off the suggested MSRP of Nissan’s odd-looking convertible utility vehicle. Put down a 20% deposit and with a 3 percent APR, your monthly payments could equal about $554 (not including sales tax, fees, or any other fees).

If you’d like a red convertible that also offers a friendly shade of “green” performance then check out the 2014 BMW 640i. This full-size four-passenger convertible, powered by a 315-horsepower/3.0-liter engine, also tops the list for fuel economy thanks to 20 mpg city, 30 mpg highway, and 24.5 mpg combined. BMW’s luxury/performance convertible starts with a Manufacturers Suggested Retail Price (MSRP) of $83,825 and is further reduced to a national market average of $77,279. That’s a potential savings of 7.8%, or a potential savings of $6,546 off the suggested MSRP or $1,111 for 60 months after a 20 percent down payment.

The super-sporty 2014 Chevrolet Camaro boasts 426 horsepower from its 6.2-liter V-8 engine and starts with an MSRP of $40,050, but its average price is $1,794 lower at $38,256; that’s a potential savings of 4.5% off the suggested MSRP of Chevrolet’s iconic convertible. Put down a 20% deposit, and with a 3 percent APR, your monthly payments could equal about $550 (not including sales tax, fees, or any other fees).

Moving into the pricier side of our list of convertibles for Valentine’s Day, the sleek 2014 Jaguar XKR boasts a 7.1 percent discount, which translates to a potential $7,393 savings — bringing the national market average price of Jaguar’s luxurious convertible from an MSRP of $104,395 down to $97,002. Offer a 20 percent down payment, and your payments for this elegant sports car could be around $1,394 each month.

For the truly generous, the Aston Martin DB9 Volante bears a potential savings of $16,404 off its $201,525 MSRP. We get it: This is an especially exotic car that doesn’t fit easily into the average person’s budget, but it’s great to see that its potential 8.1 percent discount brings its market average down to just $185,121, or $2,661 monthly with a 20 percent down payment.

If the Aston Martin isn’t enough of a statement, then consider giving your valentine the 2014 Mercedes-Benz SL65 AMG convertible.  Underhood, the high-performance Mercedes-Benz is powered by a 621-horsepower/6.0-liter biturbo V-12 engine that promises acceleration from 0 to 60 mph in 3.9-seconds and an 186-mph top speed. You can get all that for an MSRP of $215,425, or a national market average of $200,465. That’s a potential savings of 6.9%, a possible discount of $14,960 off the suggested MSRP, or $2,882 for 60 months after a 20 percent down payment.

Ready To Go Shopping for a New Car?

Each edition of “Steals on Wheels” feature demonstrates potential savings on vehicles based on the possible discount from the Manufacturers Suggested Retail Price (MSRP). As always, here are some really important things to keep in mind, such as:

• It doesn’t matter where you live, these “Steals on Wheels” deals are available nationwide and demonstrate potential savings on new cars based on the possible discount from the Manufacturers Suggested Retail Price (MSRP). These steals may feature manufacturer’s rebates and cash incentives, or may also include special leasing offers, depending on what our data shows to be the greatest opportunities for savings for new car shoppers in the upcoming timeframe. Keep in mind that incentive programs are subject to change by region and should be confirmed with your dealer, as they can affect your final price.

• Deals are limited to inventory on hand. Your Car Certified Dealer must confirm that actual inventory, including your preferred options and colors, is in stock.

• “Market Average” is based on the national average of recent vehicle transactions, including destination and delivery charges after incentives that are subject to change, but does not include tax, title, licensing, documentation or processing fees, other state and governmental charges and/or fees, or any other charges or fees allowed by law. This is a national average, so you might find better pricing based on sales in your local area at www.OpenRoadLending.com. Be sure to visit the OpenRoad Lending Auto Buying Service to view local pricing on any car and to be connected with your local Certified Dealer who will provide you pricing information for the vehicle you are researching.

Need Financing for a New Ride?

Wait! Before you go to the dealership to take advantage of these year-end clearance events, be sure to lock in your financing beforehand. Getting auto financing, regardless of your credit history is a breeze at OpenRoad Lending. You can apply and get a loan decision back in just a few minutes. From there, download your low rate car loan package and you are on your way to buying the car or truck of your dreams. Not in the market now for a new or used car? Consider refinancing an existing auto loan. On average, consumers are saving over $100 per month on their car loan payments. It’s just a few clicks away… you will be glad you did.

Once you’ve chosen your desired vehicle, be sure to connect with one of our Certified Dealers where to lock in your Guaranteed Savings off MSRP. (See site for details, available in most states.)