If the manufacturer offers a choice of either 0% financing or a rebate on the purchase of the car it is usually more beneficial to take the manufacturer's rebate. Why? When you take the rebate and put it towards the down-payment on your car, your loan payments are automatically calculated on a lower principal balance. Use this handy comparison calculator to calculate your savings.

New Car   Used Car     Motorcycle
	Dealer Financing		Tech CU Financing
Purchase Price Price before any rebate	$		$
Dealer Rebate Typical Rebate is approximately $3000	$                 0.00		$
Actual Purchase Price	$		$
Number of Payments To get 0.0% many dealers require 36 months or less
Interest Rate		%		%
Monthly Payment	$		$
Total Paid	$		$
You Save $ by financing with Tech CU* *Tech CU rate shown above is based on the lowest possible new auto loan rate, which includes a .50% rate discount for direct deposit to and automatic payment from a Tech CU account or pre-authorized electronic transfer directly to your loan from another financial institution and a .25% rate discount for purchase of a new auto through The Car Store. (Qualified direct deposits include recurring electronic deposits of your salary, pension or Social Security and recurring pre-authorized electronic transfers from another financial institution to your Tech CU checking or savings account. Minimum amount is $100 per deposit.)

Moreover, 0% financing offers usually have restrictions that apply, such as:

• Near-to-perfect credit is usually required
• It usually means shorter terms and larger monthly payments
• These offers are usually limited to a limited supply of select car makes and models

When you finance your car loan with Tech CU, you can save on the rate by authorizing direct deposit to and automatic payment from a Tech CU account or pre-authorized electronic transfer directly to your loan from another financial institution. Save even more on your rate when you purchase your car through our convenient, no-obligation car-buying service, The Car Store.

In addition, homeowners have several other financing options available. A Home Equity Line of Credit offers low rates, low payments, flexibility and possible tax advantages. The Auto Equity Loan provides all the advantages of a regular car loan, but also offers potential tax breaks. Apply for a Tech CU Auto Loan, Home Equity Line of Credit, or Auto Equity Loan today and reward yourself with the savings.

Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. All calculations are based on user inputs and do not reflect any guarantee or commitment of the loan, interest rate, expected savings or tax advantage. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.