How to Weigh Auto Finance Options

The cheapest-looking offer is not always the lowest total cost.

Key points

✓ Compare cash price, financed price, comparison rate, fees, term and balloon payment.

✓ Separate the vehicle negotiation from finance and trade-in calculations.

✓ Understand whether add-on products are optional and what they cost over the loan.

✓ Choose repayments that remain manageable after ownership expenses.

Use this information with an inspection

General information cannot determine the condition or suitability of a particular vehicle. Verify the listing, documents and vehicle independently before committing money.