Compare the estimated cost of using car finance with paying cash from savings.
Finance total cost adds deposit and all monthly payments.
Cash effective cost adds the car price and estimated interest that savings could have earned.
The comparison does not assess affordability, lender rules or investment risk.
No. Enter the actual monthly payment from a finance quote.
No. It is a simple estimate based on the rate you enter.
Cars
Compare financing a car with paying cash from savings.
Read comparisonCash wins on simple total cost. Finance spreads the cost and protects cash flow, but adds interest and a monthly commitment. The right answer depends on your savings buffer, finance rate and how much flexibility you need.
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