Dealer vs Bank Financing
Compare dealer and outside auto financing including rebates and fees.
Preparing calculator…
Compare dealer and outside auto financing including rebates and fees.
Negotiated selling price.
Cash paid under either offer.
Dealer annual rate.
Dealer payment count.
Incentive forfeited under dealer financing.
Bank or credit-union rate.
Outside payment count.
Required outside-lender costs.
Calculated:
Source: · Formula release: 2026.10-r4 · Receipt: SV-2026104-UDY8BQ · Educational estimate, not a quote. Verify all assumptions.
Displayed amounts and percentages are rounded for readability. Calculations generally retain more precision; adding rounded rows can differ slightly from a displayed total. The formula and assumptions describe any rounding that is part of the calculation itself.
Method: Each adjusted amount financed is amortized; total scheduled costs determine the modeled advantage. This planning estimate uses only the entries shown and does not silently insert personal, lender, tax, or market data.
This result does not expose multiple compatible numeric outputs. Sumvoro will not invent chart data.