Cash or finance? Do the maths before you decide
Finance is easier on your month but raises the total cost. Here is how to compare calmly.
1. How the profit rate works
Car finance is usually quoted as a flat yearly profit rate on the financed amount. Example: SAR 57,000 at 4.5% for 5 years ≈ SAR 12,825 profit, so the instalment is about SAR 1,164 a month.
Tip: Every car page has an approximate instalment calculator and the payment methods the showroom accepts.
2. The down payment changes everything
The bigger the down payment, the smaller the financed amount and the total profit. Try several percentages in the instalment calculator on each car page.
3. Bank finance or showroom instalments?
Bank finance needs the bank’s approval based on your salary and commitments. Showroom instalments can be faster; compare the rate, term and conditions in writing.
4. Other costs
Count comprehensive insurance (usually required with finance), transfer fees and regular service before you decide.
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