Rebate vs. Promo Rate Savings Calculator

If you are shopping for a new car, you've probably seen dealers offering low or zero promotional financing rates OR a manufacturer's rebate. You could save money by taking the rebate from the dealer AND receiving a low rate from Georgia's Own! Take a moment to use the calculator below to see how much money you could potentially save. Note: Calculator assumes rebate would reduce finance amount.



Amount to Finance: Rebate Amount:
Dealer Promo Rate (%): Georgia's Own Rate (%):
 APR  APR*
Length of Dealer Loan (years): Length of Georgia's Own Loan (years):
Dealer GAP ($700 average) Georgia's Own GAP ($349. Always.)
Monthly Payment to Dealer: Monthly Payment to Georgia's Own:
Lowest Cost Option:

* Your Annual Percentage Rate (APR) may differ from the one shown and will be based on your credit worthiness, vehicle model year, and term of loan. Please ask a loan officer for details on how your rate is determined. Terms, rates, and conditions are subject to change without notice.

** All examples are hypothetical and are for illustrative purposes only. Results are based on information and assumptions provided by you, and we do not guarantee their applicability or accuracy. Calculators are not intended to provide investment advice. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Online Banking Login

  • Become a Fan of Georgia's Own
  • Follow Us on Twitter
  • View Our Videos
  • Text GOCU to 43704
  • Save 10% on TurboTax Deluxe Federal

If you used our old online banking and have logged in within the previous 12 months, select 'Cancel' below and enter your Georgia's Own account number in the 'Enter your username' field. You will then be asked to provide your password from the old online banking on the next screen.

Click here for a step-by-step guide on your first login into the upgraded system.

If you did NOT use our old online banking or have not logged in within the previous 12 months, select 'Continue' below.