0% vs. rebate
A large rebate can beat 0% financing when the alternative loan rate is low enough. Run the math.
AUTO LOANS
Auto Financing
Compare dealer 0% financing, cash rebates, and conventional auto loans using the full cost of the deal — not the monthly payment alone.
ZERORATES PRINCIPLE
Compare the total cost, not just the headline rate.
APR, fees, term length, incentives, and timing can change which offer is actually cheaper.
WHAT TO LOOK AT
Auto Financing: the numbers that matter
Loan term
Longer terms reduce the payment but can increase total interest and negative-equity risk.
Out-the-door price
Negotiate and compare the vehicle price separately from the financing package whenever possible.
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