The Truth About 0% Financing

Be aware of the 0% financing options from the dealership. You may actually pay more for the vehicle than if you financed with Texasgulf FCU. If you have to give up rebates and/or incentives to get the 0% rate, you will pay much more than taking the rebates and/or incentives and financing with us. Here’s how:

Dealer Texasgulf FCU Option 1 Texasgulf FCU Option 2
Interest Rate
0.00% 2.29%* 2.79%*
Term
48 months 48 months 60 months
Price
$30,000.00 $30,000.00 $30,000.00
Rebate
$0.00 -$3,000.00 -$4,000.00
Loan Amount
$30,000.00 $27,000.00 $26,000.00
Payments
$625.00 $590.00 $466.00
Total Repayment
$30,000.00 $28,626.17 $27,916.54
You Save
$0.00 $1,373.83 $2,084.36

*The rates shown above are for excellent credit. Everyone will not qualify for these rates. Your rate is based on your credit worthiness. Rates subject to change without notice.

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