Transparent calculator methodology
Measure the price of giving up a cash discount
Promotional financing can preserve cash, but the higher financed price functions like a financing cost. A deferred-interest offer also behaves differently from true 0% financing when a balance remains at the promotion deadline.
What the estimate includes
- Cash price or entered cash discount
- Financed price, down payment, fees, term, and planned payment
- True 0%, deferred-interest, and post-promotion APR scenarios
- After-tax savings yield, delayed-payoff probability, and residual-balance stress case
How the comparison works
The calculator derives the implied return required to justify the higher financed price, discounts scheduled payments using the entered after-tax savings yield, and models both on-time payoff and a delayed stress case. Deferred interest is applied retroactively only when that offer type is selected.
Important limitation
This is a purchase-cost comparison, not a credit recommendation. Read the actual promotion for minimum payments, deferred-interest calculation, allocation rules, fees, late-payment consequences, and the exact deadline; issuer calculations control.