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You've seen the numerous 0%, 1.9% and 2.9% vehicle financing options advertised - be sure to read the fine print before getting too excited.
In many cases the offer is only available for
only available for a limited time; or the rate is only available on
pre-selected vehicles (which may not have the
options or style you desire); or the rate may only
be available for a 24 or 36 month term; or the rate
may also require an exceptionally high
credit rating; or may require a high
down payment..
Many manufacturers also offer a new car rebate option. Before you decide between the special dealer financing or the cash rebate, take a few minutes to find out which one really saves you more money.
Vehicle: 2005 Buick Century
| Amount Financed
at 0% APR |
$20,166.60 |
| Consumer Cash
Rebate |
$4,000.00 |
| Amount Financed
at 4.25% APR |
$16,166.60 |
| Loan Term Months |
Dealer Interest Rate |
Credit Union Interest Rate |
Monthly Dealer Payment |
Monthly CU Payment |
Your Total Savings |
| 36 |
0.0% APR |
4.25% APR* |
$560.18 |
$479.10 |
$2,918.91 |
| 48 |
1.9% APR |
4.25% APR* |
$436.64 |
$366.84 |
$3,350.37 |
| 60 |
2.9% APR |
4.25% APR* |
$361.47 |
$299.56 |
$3,714.72 |
*APR is shown for illustration
purposes only. |