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Auto Purchase: Loan Versus 0% Dealer Financing?

At first glance, 0% financing appears to be the best option when purchasing an auto. However, if you choose to finance through a bank or credit union you may be eligible for a dealer rebate. Use this calculator to help determine which is the best option based on when you anticipate selling your car and purchasing a new one.


Current Credit Card(s)
BalanceRate
Credit Card 1 ($)
Credit Card 2 ($)
Credit Card 3 ($)
Credit Card 4 ($)
New Credit Card
Introductory rate (if applicable) (%) 
Months of promotion (if applicable) 
Regular interest rate (%) 
Annual fees (if applicable) ($) 
Balance transfer fee (% of balance) (%) 
Balance transfer fee maximum ($)