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How car rebates work Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by providing you with interactive tools and financial calculators that provide objective and original content. We also allow users to conduct research and compare information for free – so that you can make informed financial decisions. Bankrate has partnerships with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that are advertised on this website are provided by companies that pay us. This compensation could affect how and when products are featured on the site, such as the sequence in which they appear in the listing categories, except where prohibited by law. Our loans, mortgage, and other products for home loans. This compensation, however, does have no impact on the information we publish, or the reviews you see on this site. We do not cover the vast array of companies or financial offerings that could be open to you. Don Mason/Getty Images

3 min read published 21st October 2022

Writer: Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the ins and outs of securely borrowing money to purchase cars. Edited by Chelsea Wing Edited by Student loans editor Chelsea has been working at Bankrate since early 2020. She’s dedicated to helping students navigate the high costs of college , and breaking down the complexities of student loans. The Bankrate promises

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There are money-related questions. Bankrate has answers. Our experts have helped you understand your finances for more than four years. We strive to continuously provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters provide honest and trustworthy content to help you make the best financial decisions. The content we create by our editorial team is factual, objective and is not influenced through our sponsors. We’re open about how we are able to bring quality content, competitive rates and useful tools to you , by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for placement of sponsored products and services, or by you clicking on certain hyperlinks on our site. So, this compensation can influence the manner, place and in what order items are listed and categories, unless it is prohibited by law. This is the case for our mortgage home equity, mortgage and other products for home loans. Other elements, like our own website rules and whether a product is available within your region or within your personal credit score may also influence the manner in which products appear on this site. While we strive to provide the most diverse selection of products, Bankrate does not include specific information on every financial or credit service or product. When the time comes to explore financing for a new car, you will have several options for promotional finance details such as rebates. Rebates allow you to get money back on your purchase, which can reduce your total loan amount. But, dealers and manufacturers structure their incentives differently. When you are buying a new car, be sure the rebate actually saves you money. What is a rebate for an automobile? An auto loan rebate is an incentive that gives you cash to purchase an automobile. This is an incentive for buyers to purchase the car within the particular scenario the dealership has control over. Since rebates are offered by manufacturers, you’ll have to visit an authorized dealer that is working directly with the manufacturer to qualify. It is also possible to select a particular car model, which is usually one of the more expensive options, in order to qualify for an incentive. What are auto rebates? Rebates are offers that give buyers the chance to save a few thousand dollars off the price of the car. The rebates won’t affect your purchase price — you can and should negotiate with the dealer before considering rebates. However, it will lower the amount you pay for a vehicle. Rebates generally last only some time, and you’ll need to meet specific criteria to be eligibleFor example, you may need to choose a specific type of car or apply for . Do you think an auto-rebate is an excellent idea? The auto loan rebates are worth looking into if they are available. Rebates can be added to your down payment, closing costs, or to your total loan amount. In some instances the amount you pay could be reduced by a few thousand dollars. However, you shouldn’t buy the vehicle solely due to a rebate. In most cases the variety of cars that are eligible for rebates is limited and most rebates are restricted to new vehicles — and, often, the more expensive models of the new ones. The draw of a rebate can lead you to spend more on an automobile that isn’t suited to your needs or your budget. What are the steps to receive an auto-rebate? Unlike zero percent financing, car rebates aren’t governed by any particular requirements. If you choose a car model and trim that has a rebate, you qualify. Find manufacturer offers on new vehicles — rebates are typically advertised along with lease offers and special interest rates. A rebate from your auto dealer may be sent directly to you, however it can also be part of a down payment. This means you need to finance less overall, which can save you money upfront and over the course of the loan. In some states, you may even be able to get the rebate applied to the purchase price prior to taxes , though you’ll need to check with your state’s regulations when requesting an offer. Auto rebate vs. low-interest financing Rebates and deals like a 0 percent APR deal, will save you money in different ways. Rebates offer you an amount in one lump sum, which is usually applied to either the downpayment or closing costs. Low-interest financing however, cuts down on the interest rate on your loan and can lower your overall monthly payment. A rebate on your car is likely to make the most savings on your car overall. While you’ll have to pay an interest rate on the loan but it will be the interest rate on a lower amount. A 0 percent APR offer will also save you money over time, however the most important benefit is lower monthly payment. If you have good credit, you could be able to have the best of both worlds -getting an incentive from the dealer and finding a low cost interest from an . The main thing to determine whether a rebate is a wise decision for your finances is how much the incentive could be worth. Look for rebates on car models that you were already thinking about and be aware of how that rebate will be applied. You can utilize a car financing calculator to compare how much you’ll save with various financing options. Learn more


Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the details of taking out loans to buy cars. The article is edited by Chelsea Wing Edited by Student loans editor Chelsea has been with Bankrate since the beginning of 2020. She’s committed to helping students to navigate the daunting cost of college as well as simplifying the complex world that are associated with student loans.

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