Use this calculator to make the choice that gets you ahead.

Manufacturers and dealers often use low-rate financing or cash-back offers to sell specific vehicles. While a low-rate loan sounds attractive, you might be better off taking the cash back, using it to add to your down payment and reducing the loan amount for the vehicle. A lower loan amount will mean a lower monthly payment and you might find that the interest you save from a lower rate is less than the cash back amount. Use this calculator to analyze the numbers.


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