Presented by 0% credit card offers

Situation: When buying a new vehicle, most of the time a car shopper will get two offers when buying a new car. The two offers in which a shopper will be given are manufacturer’s rebate offers are flat cash amount or 0% or low interest rate loan offer in which are called incentivized loan offers.

Incentivized automotive offers are the same thing as 0% credit card offers:

Currently times exist each and every year when car manufacturers want to dump their current car and truck inventories in order to make their financial books look incredible. During that time frame it is customary for the automobile manufacturers to give incentivized offers to the local dealerships so they may pass the savings on to the buyers. Currently the local dealers offer those rebates as a discounted price in their marketing acting as if they are marking the car down for you and taking the profit out of their pocket. That is not true. It used to be the incentivized offers or manufacture rebates were given directly to the buyer and was above and beyond what the local dealer is willing to drop the price of the automobile. If you do not see the similarity the incentivized offer is the exact same thing as the retail stores which offer huge Christmas discounts, end of the year sales, buy one get one free and many other names in order to clear inventory.

Automotive manufacturers: 2 versions of the end of year sales
Not so long ago you could count on one of two options to be given to you as a buyer.
1) You can get a manufacture rebate of $1000 to $4500 just depending on the cost of the vehicle and how bad they needed to push the vehicle.
2) The other option that manufacture are willing to offer was a low interest rate whether it is 0% or 3.99% fixed rate depending on the cost of the vehicle and how bad the manufacturer wants to push the car or truck.

If you are buying a car and can get a Rebate of $2500 or 0% financing you will find the amount discounted through the low interest financing equals the rebate amount or is at least close to the amount.

How does all of this information help you?
When looking at the possible solution to a problem one must always know all of their options. Up until now most thought those two options are the only available options when purchasing a new vehicle. This is not the case. You must always think outside the box when you want to save the most money or buy something for the cheapest price possible.

Why are O% credit card offers the key?

The answer is quite simple it is just commonly overlooked. O% credit card offers are looked down upon so they are never given proper thought. Make your own decision.
A Simple plan to use 0% credit card offers to purchase a new car.
1) Calculate the total amount of the vehicle.
2) Determine the amount that you would need to finance without any interest
3) Calculate 60 payments over 5 years without interest.
4) Apply for a single or multiple O% credit card offers which have NO FEES
5) Upon receiving the credit card approvals walk in and purchase the automobile with the No fee checks
6) Make your predetermined calculated payments each month for 10 months
7) On the 10 month apply for different 0% credit card offers with NO FEES and transfer before your promotional timeframe runs out.
8) Continue making the payments on time and you will have paid of the auto in the same amount of time with smaller payments and saving interest roughly equal to your initial rebate.

Want to pay off the car faster without paying interest:
If you are more interested in paying off the vehicle faster; the answer is simple.
1) When talking with the dealerships have them calculate the payments based on them financing the entire amount you would normally finance after bargaining with them.
2) There will be a difference as their payment will be higher than what you calculated.
3) Take their calculated payment and divide that into the amount you determined you would need to finance in step 2 above.
4) This will leave you with a new number of months in which it will take you to pay of the loan.

Good luck in your financing and may this open your eyes to the multitude of possible ways you can say money with low dollar and high dollar debts.

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