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Cash Back or Low Interest Calculator

Enter the two offers

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$
months
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Your bank, credit union or the dealer's standard rate.

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The special rate offered instead of the rebate.

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More options
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Which offer is better

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You save

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Break-even rate

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Break-even rate: if you can borrow at less than this rate with the rebate, the rebate is the better deal.

ItemCash backLow rate

Results are estimates for educational purposes and are not financial, tax or legal advice.

Find out whether a cash rebate or promotional financing saves you more on a vehicle, including tax, fees and interest. The interest calculator online is free to use with no sign-up, and works on desktop and mobile.