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Why Financing Matters More Than Price
Why financing matters more than price in the US—APR and term drive total cost; agree on OTD first, then shop rate so you don't overpay.
AutoPremo Team
January 31, 2026
1 min read
Financing in the U.S. matters as much as price—APR and term drive total interest, so a "good price" with bad rate can cost more than a fair price with a good rate. Agree on OTD first, then shop rate. Use autopremo.com OTD calculator and payment calculator. Use autopremo.com.
TL;DR Financing = APR and term drive total cost. Agree on OTD first; shop rate; use autopremo.com payment calculator to see total interest. Use autopremo.com.OTD First, Then Rate
Agree on OTD first; shop banks, credit union, dealer—use the lower APR. Use autopremo.com payment calculator to see total interest. Get your numbers at autopremo.com.
Bottom Line
Financing matters—agree on OTD first, then shop rate. Use autopremo.com OTD calculator and payment calculator.