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Auto Loan Comparison

Is 0% Always The Best Deal?
You see it in ads everyday..."Come on down and get your car at XYZ Dealership and we'll finance it at 0% interest!"; Guess what! You are paying for that "free"; loan! You're paying for the 0% financing by giving up the cash rebates and most, if not all, of the purchase discounts. Plus, usually the finance term is shorter.

As of September 2, 2003, Desco is offering rates for 36 months at 4.49% APR**. Rates are subject to change, but the example is clear!

Here's an example of how 0% vs. the great 4.49% Desco rate might work:

 

XYZ Dealership

 Desco
Financing 0% for 36 months 4.49% for 36 months
Purchase Price $20,000 $17,500
($20,000 -$2500 rebate)
Payments $555.56/month $520.49/month
Total Cost $20,000 $18,737.64

You save
$1262.36
with the Desco auto loan!

It doesn't cost anything to talk to a Desco loan officer and let them determine if 0% really is better for you.

**Annual Percentage Rate.




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