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0% dealer financing may seem like the better deal. However, take a closer look and determine for yourself if it’s really the BEST deal for you.

When dealers offer 0% interest rates, it’s an either/or proposition. Either you get a rebate or you get 0% financing. You don’t get both.

We are happy to assist you in making the best decision on any car or vehicle, new or used. Our partner, Integrity Auto Source, is available to help you find the vehicle of your dreams. Contact us at 651-383-4000 for more information.

APR = Annual Percentage Rate. Information in the chart above is for financing. Rate of 2.50% with a 60 month repayment term was used for comparison purposes. Actual rate may vary and is subject to credit, income and debt verification as well as final underwriting approval. Rates and terms subject to change at any time. Other restrictions may apply. 

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How much can you save with AHCU? Find out below.

(Note: this calculator does not include sales tax and finance charges.)

Rate vs. Rebate Comparison Calculator
Amount to finance:
Rebate amount:
Dealer rate (%):
Credit union rate (%):
Length of dealer loan (years):
Length of credit union loan (years):

Monthly payment to dealer:
Monthly payment to credit union: