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Cash Back or Low Interest Calculator

Dealer incentives often come as a choice: take a cash rebate and finance at the regular rate, OR take a special low/0% financing rate with no rebate. This calculator finds which saves more money.

Vehicle Price ($)

Down Payment ($)

Loan Term

Option A: Cash Back

Cash Back / Rebate Amount ($)

Financing Rate (regular %)

Use Cash Back To...

Option B: Low / 0% Interest Rate

Promotional Interest Rate (%)

Compare dealer cash back vs. low-interest financing — which saves more money?