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An auto loan calculator can help you compare apples to oranges when it comes to 0 percent financing versus bonus cash incentives. Sometimes taking the cash rebate an auto dealer offers along with a higher loan APR will make the most sense as far as overall savings. In other instances, 0 percent financing might be the clear winner.
Faced with this choice, some borrowers will opt to take advantage of the cash incentive and try refinance the loan elsewhere at a lower APR. Depending on your situation, refinancing your new auto loan in a few months might be an effective strategy.
But there are some downsides to consider first. Namely, taking out two auto loans back to back the original and the one you refinance it with might harm your credit. Multiple loans will result in at least two hard credit inquiries on your credit reports.
And worse, both lenders will likely report the loans to the credit bureaus. Adding two loans to your credit reports, even though one pays off the other, can reduce the average age of accounts on your credit reports. In terms of credit scoring, the older the average age of your accounts, the better. Zero-percent or low-interest car loans often come with shorter finance terms.
Depending on your income, a shorter loan term could make your monthly payment unaffordable. For example, if the 0 percent car loan lasts for four years in instances when you would typically finance for five years, the cost difference can be meaningful. You can use an auto loan calculator to do the math for your prospective loan. Financial experts often recommend keeping your monthly vehicle payment to 20 percent or less of your monthly take home pay.
And some experts suggest that you cap your car payments at 10 percent of your gross income. How We Make Money. Michelle Black. Written by. Michelle Lambright Black is a credit expert with over 19 years of experience, a freelance writer and a certified credit expert witness. In addition to writing for Bankrate, …. Edited By Chelsea Wing. Edited by. Chelsea Wing. Chelsea has been with Bankrate since early She is invested in helping students navigate the high costs of college and breaking down the complexities of student loans.
Share this page. Bankrate Logo Why you can trust Bankrate. Bankrate Logo Editorial Integrity. Key Principles We value your trust. Bankrate Logo Insurance Disclosure. Create a personalised ads profile. Select personalised ads. Apply market research to generate audience insights. Measure content performance. Develop and improve products. List of Partners vendors. Your Money. Personal Finance.
Your Practice. Popular Courses. Loan Basics Auto Loans. Part Of. Car Leasing vs. Used Cars. Car Financing. Car Valuation. Car Buying Strategies. Key Takeaways If you need to totally finance your car purchase, Increasing your credit score can qualify you for better loan terms. Getting a co-signer might also let you buy a car with a down payment. Be sure to shop around at dealers and lenders; the more you know about car loan rates and terms, the better a deal you can negotiate.
Even a small down payment is better than none—so delay a car purchase, if possible, until you can come up with some cash. Article Sources. Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts.
We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
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