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0% financing or a rebate on a 2020 Cadillac XT4?

Gap in total cost

$4,248

  • 0% wins by $4,248.
  • 0% APR: $587 a month, $38,891 total.
  • Rebate at 7.0%: $658 a month, $43,139 total.
  • The rebate wins below 2.3% APR.
  • Luxury FWD, $36,690 with destination.
  • Cheaper than 54% of 134 SUVs (2020) by MSRP.

Pick another car

Offers change monthly. Enter the dealer's numbers.

7.0% APR. 60 months. 6% sales tax on the price. Tax on the price before the rebate.

0% APR$38.9kRebate, 7.0% APR$43.1k
Down payment plus 60 months of payments. Orange: cheaper.
2020 Cadillac XT4: both offers by trim, 10% down
TrimPrice0% APR a monthRebate a month0% APR totalRebate totalCheaper
Luxury FWD$36,690$587$658$38,891$43,1390% APR
Luxury AWD$39,190$627$705$41,541$46,2410% APR
Premium Luxury FWD$40,790$653$736$43,237$48,2260% APR
Sport FWD$40,790$653$736$43,237$48,2260% APR
Premium Luxury AWD$43,290$693$783$45,887$51,3270% APR
Sport AWD$43,290$693$783$45,887$51,3270% APR

What this cannot tell you

Dealer price and fees differ.

Some states tax the price after the rebate.

How values are checked