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Low APR vs. Cash Back Calculator

Compare different incentives types to discover which one can save you the most money.

Calculate the best incentive for you

To see the average interest rate in your state, visit our interactive Car Loan Rates in the U.S. for Used and New Cars page.


Zip Code
(for rates and pricing in Ashburn, VA)

Vehicle Costs

Look up the vehicle you’d like to buy or enter the price below
Vehicle Sales PriceThe selling price of the new or used vehicle for monthly loan payment calculation.
(with typical options)
Sales tax rateEstimated sales tax rate for the selected zip code applied to the sales price.
(by state)
Sale tax amount:
Title and registrationAdd title and registration here to include them in your estimated monthly payment.

Incentives, Rebates and Financing

Customer Cash IncentivesAvailable incentives and rebates included in the monthly payment estimate.
Loan term
Promotional APRAvailable promotional interest rate replacing the market interest rate.
(This is the incentive rate that will be used to calculate the Low APR option)
Market finance rateGenerally available financing interest rate for the estimated loan payment.
(This rate will be used to calculate the cash back option)

Trade-In and Down Payment

Enter the details of your Trade-in to receive the most accurate calculation.
Value of Your Trade-inThe value of your currently owned vehicle credited towards the purchase or lease of the vehicle you are acquiring. If you select a vehicle using the "Value your trade-in" button, the value displayed in the calculator will be the True Market Value trade-in price for a typically-equipped vehicle, assuming accumulated mileage of 15,000 miles per year.
Amount Owed on Your Trade-inThe remaining balance on a loan for your trade-in will be deducted from the trade-in value.
Cash Down PaymentThe cash down payment will reduce the financed loan amount.