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oc bay bay | Should i take 0 % financing 72 mths or 1500 off new car? |
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frugernity
 |
To answer the question you need to say what the interest rate will be on your loan if you take the $1,500 and you need to say how much the loan will be for.
I calculated prices from $5,000 to $30,000 by $1,000 increments and interest rates from 5% to 15% by 1% increments. The 0% financing is better unless the price is less than $11,000. Under $11,000 here's the highest interest rate where the $1,500 back is a better deal:
$10,000 ... 5%
$9,000 ... 6%
$8,000 ... 7%
$7,000 ... 8%
$6,000 ... 9%
$5,000 ... 12% |
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Ms T
|
Definitely go for 0% financing, unless they jack up the price of the car so much that you're paying more for it than what it's worth! |
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dipydoda
 |
0% is the best option. You'll save a lot more money that way. If you look at it this way.... If you buy a car for 10000 at 6% that's 600$ a year in intrest. 600x6yrs= 3600 in intrest. It may seem like a little at first, but it adds up in the end. |
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AG
|
0% financing |
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Brutus
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It all depends on the loan amount and what you can get a conventional loan for. |
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stopccdebt
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I would take the 0% and make extra payments. That $1500 is nothing compared to the cost of higher interest charges. |
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Miranda
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DEPEND S on how long you're going to keep your car. if more than two years, go for the 0% in most cases. AND NEVER EVER LEASE. |
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smonical
 |
It could be better either way, but I'd bet that the $1500 is a better deal if you can afford to pay cash for the car. Remember, you would have to pay off the loan before 72 months if you sell the car, or if it is involved in a wreck. Also, they may have other fees that you will be paying for the financing. You may also be paying sales sales tax on the $1,500. |
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english rose
 |
work out what you,d be saveing in total either way go for the better option |
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Stacy Mae
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0% financing |
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Searchlight Crusade
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If you need 72 months to pay it off, you should buy a less expensive automobile. |
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jloh
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It all depends on what-else is on the table with the $1500 off the new car. 0% is the most logical deal. It will be more worth while if you can invest the difference between the 2 deals and get a return of more then $1500 over 72 months. |
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personal_finance_101
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Neither. You should pay cash for a used car. Buying a new car is the single worst financial decision you can make. You will immediately lose 10-50% of the value the second you drive off the lot. Better idea is to let someone else take that hit and you get one that is 2-3 years old and still in great shape. |
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martin r
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take the 1500 off but push to get more if they want a sale go for it but shop around you may get a better deal.vauxhall corsa at the moment is no deposit 0% finance and a free years insurance. |
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