Texas 7th Grade Math Question of the Day

Take the cash back because $2,000 upfront is always more than any interest savings.

They are effectively the same because both reduce what you pay by about the same amount.

Cash back is better only if you keep the car for the full 5 years.

Choose 0.9% financing; total interest is about $600 versus about $3,950 at 6%, so the low APR saves roughly $3,350—more than the $2,000 cash back.