0% APR vs cash rebate

Dealers usually make you pick one. This shows which one costs less over the full loan for your exact numbers.

0% APR vs Cash Rebate Calculator

Free. Full name and email, then it opens here and we send you the link so you can come back to it.

Vehicle price (after negotiation) Down payment + trade-in Term (months)

Option A: promotional APR (%) Option B: cash rebate ($) Option B: APR you would pay instead (%)

Winner

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Option A total cost

Option B total cost

Difference

Monthly payment A / B

Break-even APR for option B

Total cost = all payments + down payment. Taxes and fees are assumed equal across both options. Rebate is applied to the amount financed.