Financial Calculators | AutoBuying101.com

Auto Loan Decision Calculator: Low APR vs. Cash Back

Many manufacturers/dealers will offer you Low APR Cash Back incentives on a vehicle. This APR vs. Cash Back calculator enables you to determine which of these incentives is a better deal for you. For greater accuracy, input the information provided by your dealer or lender wherever possible.

See our Explanation of Terms if you need help.

Expected Vehicle Price (before tax, fees, or rebates):

Sales Tax Rate:

Estimated Title & Registration Fees:

Cash Down Payment You Are Willing To Make:

Market Finance Rate You Believe You Will Qualify For:
View current rates
This is the rate you believe you will qualify for if you did not take a Low APR incentive.

Loan Term (months):

Incentive Options

Low APR offer:
This is the Low APR incentive rate being offered by the manufacturer.
For example, some manufacturers will offer 0% financing promotions at different times.

Cash Back offer:
This is the Customer Cash Back incentive being offered by the manufacturer.
For example, some manufacturers will offer Cash Back of $500 or more at different times.