Financial Calculators
Cash Back or Low Interest Calculator
Compare a cash rebate against a low-APR offer.
FreeNo sign-upWorks in your browser
Enter details
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Result
Better deal
Take the low APR
Saves $2,489.87 over the term
Total cost with rebate
$39,206.37
Total cost with low APR
$36,716.50
About the Cash Back or Low Interest Calculator
Car dealers often make you choose between a cash rebate and a low promotional APR — and the better deal isn't obvious. Enter the vehicle price, the rebate amount, the standard APR (that comes with the rebate), the low promo APR, and the term, and the calculator computes the total cost of each path and tells you which one saves more money over the loan.
How to use the Cash Back or Low Interest Calculator
- 1Enter your price, rebate, standard APR, promo APR, and term.
- 2Read the result instantly — it recalculates as you type.
- 3Adjust the numbers to model different scenarios.
Frequently asked questions
Is a rebate or low APR better?
It depends on the numbers — a big rebate can beat a low APR on a short loan, while low APR often wins on longer terms. This tool computes both totals.
Can I get both the rebate and low APR?
Rarely — dealers usually make you pick one. This calculator is built to find which single choice costs you less.