Know the facts about 0% financing

Before you take that 0% financing offer let us help you calculate your best financing options. In many cases, when you take advantage of 0% financing, you lose access to valuable manufacturer rebates and incentives.

Here is an example of a 0% offer compared to SEFCU.

  • 0% financing offers often require the forfeiture of incentives and rebates.
  • Dealer payment calculation includes offer to delay first payment for the first 120 days.

Dealer Financing

SEFCU Financing


Loan Term

84 Months

84 Months

Interest Rate



Vehicle Price






Loan Amount



Monthly Payment**



Total Payments




Did you know?

  • Often, only certain vehicles or limited dealer inventory is eligible for 0% financing.

  • If your credit is less than perfect, you are unlikely to qualify for 0% financing – and could wind up with a much higher interest rate alternative offer.

  • A 0% interest rate offer may also come with a maximum 48- or 60-month loan term, resulting in a larger monthly payment and limiting your financing options. 

Before you sign on the dotted line...

  • Do your research, read the small print on offers, and make sure you take advantage of dealer pricing incentives and rebates on your vehicle of choice.

  • Negotiate the best price upfront.  Utilize SEFCU’s loan calculator to compare offers (as shown here).

  • Contact SEFCU’s Auto Buying Concierge if you need assistance finding the right vehicle and financing offer for you.

*this model is based on offers and incentives as of April 20, 2020 for a Chevy Equinox
**(†)this is for demonstration purposes only. Other manufacturers and dealer incentives may vary.