0% financing or a rebate on a 2020 Kia Optima?
Gap in total cost
$2,020
- 0% wins by $2,020.
- 0% APR: $390 a month, $25,816 total.
- Rebate at 7.0%: $423 a month, $27,837 total.
- The rebate wins below 3.6% APR.
- LX FWD, $24,355 with destination.
- Cheaper than 78% of 103 sedans (2020) by MSRP.
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.
| Trim | Price | 0% APR a month | Rebate a month | 0% APR total | Rebate total | Cheaper |
|---|---|---|---|---|---|---|
| LX FWD | $24,355 | $390 | $423 | $25,816 | $27,837 | 0% APR |
| S FWD | $25,855 | $414 | $452 | $27,406 | $29,697 | 0% APR |
| SE FWD | $27,355 | $438 | $480 | $28,996 | $31,558 | 0% APR |
| Special Edition FWD | $27,355 | $438 | $480 | $28,996 | $31,558 | 0% APR |
| EX FWD | $28,155 | $450 | $495 | $29,844 | $32,551 | 0% APR |
| Hybrid EX FWD | $30,235 | $484 | $535 | $32,049 | $35,131 | 0% APR |
| EX Premium FWD | $31,155 | $498 | $553 | $33,024 | $36,272 | 0% APR |
| SX FWD | $33,155 | $530 | $591 | $35,144 | $38,753 | 0% APR |
| SX Turbo FWD | $33,155 | $530 | $591 | $35,144 | $38,753 | 0% APR |
| Plug-in Hybrid EX FWD | $37,015 | $592 | $664 | $39,236 | $43,541 | 0% APR |
What this cannot tell you
Dealer price and fees differ.
Some states tax the price after the rebate.
- 2 or more sources
- 1 source
- Model-level, rule or estimate