Chapter 03

Loan & Payment

Run the numbers — monthly payment, total interest, and what the terms actually cost you.

At a Glance
0.99% APR over 72 months costs only ~$1,020 in total interest on a $43k loan — take it
Don't put extra down — that cash earns more at 4–5% APY than you'd save in interest at 0.99%
Premium vs Standard is only $56/month more after accounting for the $1k white add-on and interest difference
Payment Calculator
Car Price$46,630
Down Payment$3,300
APR0.99%
Term72 months
$631
Monthly
$43,330
Financed
$1,020
Total Interest
$47,650
Total Paid

At 0.99% over 72 months, you pay only ~$1,020 in total interest on a $43,330 loan. That's basically nothing — less than 2.5% of the car's value.

Standard vs Premium — The Real Math
Standard RWD
0.00% APR
$39,990
Price
~$555
Monthly / 72
$0
Total Interest

Sounds great — 0% is free money. But white costs $1,000 extra here, closing the real gap to $4,000. And 0% saves you only ~$900 vs a normal market rate on this loan size.

Premium RWD Better value
0.99% APR
$44,990
Price (white incl.)
~$631
Monthly / 72
~$1,020
Total Interest

0.99% adds only ~$1,100 in total interest over 72 months — basically nothing. You're paying ~$56/month more for panoramic roof, Autosteer, ventilated seats, rear touchscreen, and 36 more miles of range.

$56 / month

That's the real difference between Standard and Premium after accounting for the white color add-on and the 0.99% interest cost. For $56/month more you get ventilated seats (huge in Texas summers), panoramic roof, Autosteer, rear touchscreen, full leather, and 36 extra miles of range. The 0% on Standard saves you ~$900 total — not remotely close to what you give up in features.